Nurse Practitioner Malpractice Insurance

No matter how caring and diligent you are as a nurse practitioner, mistakes can happen, and bad outcomes can occur. If you ever face a malpractice claim, your nurse practitioner malpractice insurance policy can protect your career, your reputation, and your license. That’s why it’s so important to get comprehensive coverage from a provider you trust: your financial future could depend on it.

An Overview of Nurse Practitioner (NP) Malpractice Insurance

Malpractice insurance for nurse practitioners is a type of professional liability insurance that protects nurse practitioners when a patient or a patient’s representative sues them for malpractice, whether individually or as part of a group of defendants.

Regardless of whether you’re actually at fault, a malpractice lawsuit can be a massive financial burden. There are the costs of your legal defense, court fees, lost wages, and other expenses. Plus, if you settle the lawsuit or are found liable for damages, you could also be responsible for a potentially enormous financial settlement.

When you buy NP malpractice insurance, you’re protecting yourself from the financial blow of a malpractice claim: The insurance company can help you cover the costs associated with the lawsuit. Coverage varies widely by policy and the company you choose, but nurse practitioner liability insurance often covers the following expenses:

• Defense counsel and legal fees
• Settlement and claim costs
• Lost wages and travel expenses
• HIPAA violations
• Defense for licensing board actions
• Good Samaritan coverage
• Reputation protection

When buying NP malpractice insurance, it’s crucial to find a policy that gives you the right protection you need. Berxi offers customized malpractice insurance for nurse practitioners, meaning your coverage is tailored to the risks you face in your job. And, as part of Berkshire Hathaway Specialty Insurance, Berxi has the resources, stability, and expertise to have your back when you need us.

Berxi Malpractice Insurance for Nurse Practitioners: Key Features

Here are some noteworthy features of our nurse practitioner liability insurance:

  • Occurrence and claims-made policy options
  • Legal defense outside the limits of liability
    • This means that money spent on your defense won’t be deducted from your NP malpractice insurance limits — so if you have a $1 million limit, you’ll still have $1 million to pay for any settlements or damages.
  • Consent to settle
    • This means that we won't settle a claim without your consent.
  • $0 deductibles
  • Flexible insurance limits based on your needs
  • Convenient payment plans for select policies
  • Customizable tail coverage options for customers with claims-made policies

And did we mention we are often 20% less than competitors because you buy directly from us?

In addition to malpractice insurance for nurse practitioners – also known as nurse practitioner liability insurance — we also offer coverage for other types of nursing professionals, including:

Malpractice Insurance for LPNs/LVNs
Malpractice Insurance for RNs
Malpractice Insurance for Student Nurses

Does Berxi Offer Nurse Practitioner Liability Insurance for My Entire Practice?

Wondering if you can insure everyone in your practice? The answer is yes! We offer the option to add additional insureds to your policy, as well as collaborating physicians. Call us at 833-24-BERXI (833-242-3794) to discuss your nurse practitioner malpractice insurance needs.

How much does malpractice insurance cost for nurse practitioners?

In general, the cost of nurse practitioner malpractice insurance can range from $1,500 to more than $2,000. However, premium prices vary significantly, and they’re impacted by a number of factors. The cost of your malpractice insurance will depend on:

  • Your location
  • The services and procedures you perform
  • The type of policy you choose
  • Your working hours
  • The limits of liability – i.e. the amount of money your policy covers
  • Whether you buy direct or through a broker
  • Your claims history

Because Berxi offers insurance directly to our customers, without a broker in the middle, we’ve eliminated many of the fees typically associated with insurance costs. That means you’re able to save an average of 20% vs. industry standards. In addition, our policies have no deductible.

As a full-time nurse practitioner buying insurance to supplement your employer-provided coverage, a typical Berxi policy with limits of liability of $1 million per claim and $3 million per year might be around $1,400. If you didn’t have other coverage, a typical cost would be closer to $1,700. The price would be lower for a claims-made policy.

The best way to get an idea of what your own personal policy would cost is by getting a free quote. Our online quote process only takes a few minutes, and – if you choose to purchase – your policy can go into effect any day you’d like, including that same day.

What's Covered Under Berxi's Professional Liability Insurance for Nurse Practitioners?

Medical Malpractice Coverage

As a nurse practitioner, medical malpractice coverage insures you against claims of negligence or of making a mistake that caused bodily harm to another. This includes providing you with a lawyer to defend yourself and the funds you can use to pay judgments or settlements.

Amount Covered: Typical limits of liability range from $500,000 per claim/$1 million aggregate to $2 million per claim/$6 million aggregate.

Defense Counsel

If a claim is filed against you, we’ll retain a lawyer for you from our network of defense attorneys specializing in medical malpractice. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs).

Note that these defense costs are outside the limits of your insurance. This means that their services don’t cut into the settlement fees you may need to pay after a ruling.

Amount Covered: Provided in addition to your policy’s limits of insurance.

Consent to Settle

We work with your defense attorney to reach the best possible outcome for you. We won't settle a claim without your approval.

Worldwide coverage

Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).

Good Samaritan Coverage

If you provide professional care to someone who is not your patient in a first aid or emergency situation, and that person files a claim against you, your policy will still apply.

Automatic Coverage Extensions

HIPAA Violation Defense

If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant HIPAA fines.

Amount Covered: $25,000 per policy period

Licensing Board Protection Defense

If the professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.

Amount Covered: $25,000 limit per policy period

Wage Loss/Deposition Expenses

If we ask you to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses you incur (e.g., travel, meals).

Amount Covered: Up to $1,000 per day

Reputation Coverage

If you face a threat to your professional reputation, we can provide you with a crisis management/public relations consultant to help clear your name.

Amount Covered: $50,000 per claim

Additional A La Carte Coverage

Business/General Liability Coverage

The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm.

Amount Covered: $1 million occurrence/$1 million aggregate

Medicare/Medicaid Reimbursement Endorsement

If you’re audited by either Medicare or Medicaid, we offer reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings.

Amount Covered: $30,000 for a covered audit and related expenses

Why Should I Choose Berxi for Nurse Practitioner Liability Insurance?

We’re working to create a simpler, faster, and better insurance experience for our customers. While we think we’re the right choice for nurse practitioners, we also know that this is a really important decision, so we want to make sure you have all the information you need. Here are a few things that set us apart from other insurance companies:

We can save you 20%.

Berxi is a direct-to-customer insurer. This means we’re not just the people who sell you an insurance policy – we’re also the people who handle your claim. Working directly with us eliminates many fees that are typical in insurance transactions, and we pass the savings along to you. In fact, our customers save an average of 20%.

You get 24/7 online access.

At Berxi, you can manage every aspect of your coverage through our easy-to-use online portal. Not only can you get a quick quote and purchase your policy in just a few clicks, but once you’ve purchased a policy, you can also access documents, update your account information, and manage your payment options online. And if you ever need to file a claim, you can do that online too.

We have world-class customer support.

When you call our support line, you won’t have to navigate through an endless phone tree or argue with a robot: You’ll reach one of our in-house product specialists who will work hard to answer all your questions. And if a claim is ever filed against you, our team will help you to navigate the claims process, every step of the way. You can reach a licensed representative Berxi member by calling our 1-833-242-3794 or contacting via email at support@berxi.com. We are available Monday to Friday 8:00am to 8:00pm ET.

We’re part of Berkshire Hathaway Specialty Insurance Co.

Berxi’s medical malpractice policies are backed by Berkshire Hathaway Specialty Insurance Company, which has an A++ (Superior) financial strength rating. Our market-leading financial stability and claims service means we’ll have your back when you need us.

What Our Customers Are Saying

“Berxi was recommended to me by a friend at another company, and now it seems that everyone where I work has them too! The quoting process was easy… and the price is better than anywhere I've found.”


– Jeremy B.

“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”


– Che H.

“[My claims representative] was so compassionate. He listened and kept me informed on the status of the case. He really cared about what I was going through and reassured me that Berxi was on my side and that I didn’t need to worry.”


– Kim P.

FAQ About NP Liability Insurance

Does a Berxi policy cover nurse practitioners who work in different locations?

Yes, we cover you if you work in different cities and states. On the application, simply select the state in which you primarily practice or do the majority of your work. Your Berxi policy follows you across all 50 states (and Washington D.C.), so work performed outside the state where you primarily practice will be covered under your policy.

Does a Berxi nurse practitioner malpractice policy cover my teaching?

Yes. Under your Berxi insurance policy, you’re covered for your part-time teaching at a community college/university or healthcare facility while you practice as an NP.

I'm starting my own practice. Do you have a policy that will cover my company for malpractice?

Yes. You can add additional insureds and collaborating physicians to your policy, ensuring that your whole practice will be covered.

I’m covered by my employer – why do I need individual liability insurance as a nurse practitioner?

Even though you may be covered by your employer’s policy, there are a number of situations in which their insurance might not protect you, or might provide inadequate financial coverage. The benefits of having your own supplemental NP malpractice insurance policy include:

• Extra funds, which can be helpful if many members of the team are named in the same suit as you.
• Personal legal counsel. Having your own policy means you are the main point of contact with your defense team.
• Protection in HIPAA-related claims and actions. This is also usually not covered by your employer.
• Legal defense for licensing board actions, which is often not covered by employer policies.
• Control over deciding whether or not to settle. Employer policies might be more likely to force your hand.
• Reputation coverage, which is usually not provided by employer policies.

In the event of a malpractice claim, your supplemental malpractice policy can give you the peace of mind that comes with knowing you have the protection you need.

How quickly can I get coverage?

With Berxi, you can get a quote and buy your insurance policy in minutes. Berxi is a direct-to-customer provider, which means there are no middlemen or brokers involved – you buy your policy directly from us, saving you time and money. In addition, Berxi’s easy-to-use digital portal allows you to do everything online, from buying your policy and managing your account information to adding additional coverage and filing a claim. It’s fast, easy, and intuitive. Plus, if you ever have questions or would like to discuss your coverages options, our team of insurance experts is here to take your call.

Are Berxi’s nurse practitioner insurance plans flexible and customizable for my needs?

Yes. We customize your policy to get the coverage you need – nothing more and nothing less. Based on your location, specialty, day-to-day responsibilities, and other factors, we will work together to provide you with the limits of liability and coverage extensions that make the most sense for you.

Related Articles

Real Story: How Berxi Supported a Licensing Board Complaint

A Berxi customer faces a licensing board complaint with the help of Berxi insurance and a Senior Claims Examiner.

How to Prepare for a Licensing Board Disciplinary Review

You have been called to appear before your licensing board. This is an important moment and being prepared is critical. Berxi has gathered the information you need to get started.

Malpractice Insurance for Nurses: Answers to Your Top Questions

Insurance can be confusing — we get it. You may have questions about what malpractice insurance does and why it matters. Luckily, Berxi can help. Find answers to your most pressing questions here.