As a Nurse Practitioner, what is the best liability insurance to get?

When selecting professional liability (malpractice) insurance as a Nurse Practitioner, the "best" policy is an individual, occurrence-based or claims-made policy with an independent "consent to settle" clause , rather than relying solely on your employer’s group policy.

The top-tier providers heavily favored by NPs in the industry include:

• NSO (Nurses Service Organization): Underwritten by CNA, NSO is one of the largest and most widely trusted individual providers for nursing professionals. They offer robust portable coverage, separate license defense limits, and comprehensive telehealth provisions. You can explore plans on the NSO Nurse Practitioner Malpractice Insurance Site.
• CM&F Group: CM&F partners with top carriers like MedPro Group (a Berkshire Hathaway company) and has insured nurses and NPs since 1947. They are frequently praised for high coverage limits, defense costs in addition to liability limits, and competitive pricing for self-employed or independent NPs. Quotes can be checked via the CM&F Group NP Malpractice Insurance Portal.
• Proliability (Mercer / AANP endorsed): The long-standing endorsed provider of the American Association of Nurse Practitioners (AANP), offering tailored coverage options for both employed and self-employed NPs. More details are available on the Proliability Nurse Practitioner Liability Page.
• Berxi: Backed by Berkshire Hathaway, Berxi offers a fully digital, streamlined platform with direct-to-consumer pricing and robust limits, making it a popular modern alternative.

Key Features to Look For:

To help narrow down the best choice for your practice, let me know:

• Are you employed by a health system or self-employed/independent?
• What is your clinical specialty (e.g., Family Practice, Acute Care, Psych/Mental Health)?
• Do you practice telehealth across state lines?

Yes. For a Nurse Practitioner, I would generally recommend getting your own individual professional liability (malpractice) policy, even if your employer provides malpractice coverage. Your employer's policy is primarily designed to protect the employer, and it may not fully protect you personally.

My top choices

1. nso.com — Best overall for most NPs

This would be my first quote.

NSO specializes in nursing professionals and offers NP-specific coverage. Its standard policy provides up to $1 million per claim / $6 million aggregate, plus benefits such as license-defense coverage, HIPAA proceedings coverage, subpoena assistance, personal injury coverage, and portable 24/7 coverage.

A particularly important feature is that NSO generally offers occurrence coverage. That means if an incident happens while your policy is active, you're covered even if the lawsuit is brought years after you've left the policy.

Why I like it:

• Strong NP-specific coverage
• Occurrence-based option
• Portable if you change jobs
• License-defense coverage
• Good fit for W-2, 1099, moonlighting, etc.
• Long history serving nurses

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2. cmfgroup.com — Excellent alternative

CM&F is another company I'd absolutely quote alongside NSO.

For 2026, CM&F lists NP coverage up to $1 million per claim/$6 million aggregate and offers both claims-made and occurrence-based policies. It specifically advertises occurrence coverage as having no tail coverage requirement when the policy ends.

CM&F also lists coverage for things such as:

• Telehealth
• License defense
• 24/7 portable coverage
• Locum/PRN/per-diem work
• Medical-director services
• General liability as an optional coverage

If you're doing aesthetic medicine, telehealth, medical-director work, or your own practice, I'd pay particular attention to the policy endorsements rather than simply choosing the cheapest premium.

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What I would personally look for

For an NP, I would prioritize:

Occurrence vs. claims-made is VERY important

If you have a choice, I generally favor occurrence coverage for an individual NP.

With occurrence coverage, an incident that happens while you're insured remains covered even if the claim isn't made until after you cancel the policy. With claims-made coverage, you generally need the policy to still be active when the claim is reported—or you'll need tail coverage.

Claims-made policies can initially look much cheaper. For example, CM&F currently lists first-year claims-made rates starting substantially below its occurrence rates, but the premium can increase over time and tail coverage may become an additional expense.

One important distinction

If you're simply an NP employed by a hospital, clinic, or medical group, an individual malpractice policy is usually what I'd focus on.

If you are opening your own NP practice/LLC, that's different. You may need both:

1. Individual professional liability for you, and
2. Business/practice coverage for the entity.

And if you're doing aesthetics, prescribing weight-loss medications, IV therapy, telehealth, or acting as a medical director, I'd make sure those specific services are explicitly covered.

If you tell me your NP specialty (FNP, PMHNP, AGNP, PNP, WHNP, etc.), whether you're W-2 or 1099, what state you're practicing in, and whether you do any telehealth/aesthetics/medical-director work, I can compare the best policies for your exact situation and tell you what coverage limits I'd choose.

Occurrence vs. claims-made is VERY important

If you have a choice, I generally favor occurrence coverage for an individual NP.

With occurrence coverage, an incident that happens while you're insured remains covered even if the claim isn't made until after you cancel the policy. With claims-made coverage, you generally need the policy to still be active when the claim is reported—or you'll need tail coverage.

Claims-made policies can initially look much cheaper. For example, CM&F currently lists first-year claims-made rates starting substantially below its occurrence rates, but the premium can increase over time and tail coverage may become an additional expense.

One important distinction

If you're simply an NP employed by a hospital, clinic, or medical group, an individual malpractice policy is usually what I'd focus on.

If you are opening your own NP practice/LLC, that's different. You may need both:

When choosing liability insurance as a Nurse Practitioner (NP), the "best" policy depends heavily on your specific practice setting, specialty (e.g., family practice vs. acute care or psychiatry), and whether you are covered by an employer's group policy. However, industry consensus points to a few top-tier providers that specialize explicitly in nursing and advanced practice liability.

Top Liability Insurance Providers for NPs

• CM&F Group: Widely considered a gold standard for NPs, offering coverage underwritten by carriers with top financial strength ratings (like A.M. Best A++ rated insurers). They feature high-limit portable coverage, excellent state licensing board defense, and specific discounts for recent graduates. You can look into their options directly via CM&F Group Nurse Practitioner Liability Insurance.
• NSO (Nurses Service Organization): Partnered with highly rated insurance underwriters, NSO is one of the most recognizable names in individual nursing liability. They offer dedicated individual legal representation, license defense, HIPAA penalties coverage, and portable 24/7 protection that follows you even if you change jobs. Explore their plans at NSO Nurse Practitioner Malpractice Insurance.
• Proliability (Marsh/Aon): Another major administrator providing robust individual professional liability options tailored to advanced practice nurses, featuring comprehensive limits and ancillary coverages like deposition and assault expenses. Details can be found at Proliability Liability Insurance for Nurse Practitioners.

Key Features to Look For

Regardless of the provider you choose, ensure your policy includes these critical features:

1. Occurrence vs. Claims-Made Policy:
   • Occurrence Policy: Covers you for any incident that happened while the policy was active, even if the lawsuit is filed years later or after you’ve cancelled the policy. This is generally preferred for ultimate peace of mind.
   • Claims-Made Policy: Covers incidents only if the policy is active when the claim is filed . If you choose this, you must buy "tail" coverage (ERP) if you leave the job or retire, which can be costly.
2. Dedicated/Individual Limits: Even if your employer provides malpractice insurance, a shared group policy means your coworkers' lawsuits draw from the same financial pool. An individual "own-limit" policy ($1 million per claim / $6 million aggregate is standard) ensures the defense fund is yours alone.
3. Licensing Board Defense Coverage: A patient complaint to your State Board of Nursing doesn't always mean a malpractice suit, but defending your license gets expensive fast. Look for at least$2 5,0 0 0 to$5 0,0 0 0 in separate board-hearing reimbursement.
4. HIPAA & Cyber/Information Privacy Coverage: Essential in modern practice to help cover defense costs or fines tied to inadvertent privacy violations.
5. Telehealth/Telemedicine Inclusion: Ensure your policy explicitly covers remote or virtual visits if you practice across state lines or do any telehealth work.

To help narrow down the ideal policy, let me know:

• What is your clinical specialty (e.g., FNP, PMHNP, Acute Care)?
• Do you currently have employer-provided coverage , or are you completely independent/1099?

For a Nurse Practitioner, the “best” liability insurance depends on your specialty, state, employment setup, and whether you want the policy mainly for malpractice protection, license protection, or private practice risk. There is no single best carrier for every NP, but several are consistently considered strong options.

Common top choices for NPs

Coverage I would generally look for as an NP

For many practicing NPs, a strong policy usually includes:

• Professional liability limits: commonly at least $1 million per claim / $3 million aggregate (higher limits may make sense for higher-risk specialties).
• License defense coverage — important because a board complaint can be expensive even when there is no malpractice claim.
• Defense costs outside the liability limit — so attorney costs do not reduce the money available for a settlement/judgment.
• Consent-to-settle protection — ideally you have a say before the insurer settles a claim.
• Telehealth coverage if you practice virtually.
• Coverage that follows you if you change employers, moonlight, volunteer, or start a side practice.

Occurrence vs. claims-made

• Occurrence policy: Usually more expensive, but it covers incidents that happened while the policy was active even after you leave the policy.
• Claims-made policy: Often cheaper initially, but you may need tail coverage when you leave the policy to protect against later-filed claims.

My practical shortlist

If I were an NP comparing policies, I would get quotes from:

1. CM&F Group
2. NSO
3. Berxi
4. Proliability

Then compare the actual policy wording, not just the premium. A slightly cheaper policy can be a poor value if it lacks license defense, has weaker consent-to-settle terms, or excludes part of your practice.

If you tell me:

• your NP specialty (FNP, PMHNP, AGNP, CRNA, etc.),
• state you practice in,
• W-2 employee vs 1099/private practice, and
• whether you do telehealth, aesthetics, procedures, or prescribing,

I can narrow this down to the best-fit coverage and limits.

Yes. I researched the current NP malpractice/liability market, and if I were choosing coverage as an individual Nurse Practitioner, I would put CM&F Group and NSO at the top of the list.

My top choices

🥇 My first choice: CM&F

CM&F currently offers NP policies with $1 million per claim / $6 million aggregate limits, and its occurrence policy doesn't require you to purchase tail coverage when you leave the policy. It also specifically lists telehealth, license defense, Good Samaritan coverage, portable coverage, and full consent to settle among its features.

One particularly attractive feature is that CM&F says its individual coverage follows you across settings such as full-time, part-time, PRN, locum tenens, telehealth and moonlighting, subject to the policy terms.

For 2026, CM&F publishes starting rates of $472/year for employed W-2 NPs and $857/year for self-employed 1099 NPs at $1M/$6M limits, although your actual premium can be substantially different depending on specialty, state, work setting and other factors.

🥈 NSO — very strong alternative

NSO is specifically focused on nurses and NPs. Its standard policy provides up to $1M per claim/$6M aggregate, and includes things such as license-defense expenses, HIPAA proceedings coverage, personal injury coverage, subpoena assistance and portable 24/7 coverage.

One major advantage is that NSO's NP policy uses an occurrence form. That means if the covered incident happened while your policy was active, a claim can potentially be covered even if the lawsuit is brought years after you've left the policy.

The most important thing I'd look for: occurrence coverage

If the price difference isn't huge, I'd strongly favor occurrence coverage.

With occurrence coverage:

Incident occurs while you're insured → you're covered even if the claim comes years later.

With claims-made coverage:

Incident occurs while you're insured → you generally need the claim to be reported while the policy is active, unless you have appropriate tail/prior-acts protection.

Claims-made policies can initially be cheaper, but you need to understand tail coverage and/or prior acts coverage before switching or canceling.

What I'd buy

For a typical practicing NP, I'd start by quoting:

$1 million per occurrence / $6 million aggregate + occurrence coverage

Then make sure the policy includes:

• Professional malpractice
• Occurrence coverage
• Defense attorney costs
• License/board defense
• Telehealth
• Coverage that follows you when changing employers
• Moonlighting/PRN/1099 work if applicable
• Consent-to-settle protection
• Good Samaritan coverage
• Coverage for your actual NP specialty/procedures
• No problematic exclusions for the services you perform

Also, don't assume your employer's malpractice policy is sufficient for you personally. NSO specifically notes that an employer's policy is designed primarily around the employer's interests and may not provide everything an individual NP needs.

One important caveat

The "best" policy changes considerably depending on your specialty and employment situation. For example, I'd evaluate an NP doing primary care differently from a PMHNP, FNP doing aesthetics, CRNA, acute-care NP, telehealth NP, or 1099 NP running a private practice.

If you tell me (1) your NP specialty, (2) the state where you practice, (3) W-2 vs 1099, and (4) whether you do telehealth, aesthetics, or your own practice, I can compare CM&F vs NSO vs Berxi specifically for your situation, including current pricing and what I'd choose.

When choosing professional liability (malpractice) insurance as a Nurse Practitioner, the "best" policy is one that puts your individual interests first , offers 24/7 portable coverage , and includes robust license defense and defense costs outside the liability limits.

Relying solely on your employer’s group policy leaves you vulnerable, as their legal team and policy limits ultimately protect the institution or clinic, not necessarily you.

Top Recommended Providers for Nurse Practitioners

The industry standard is led by a few premier, highly rated medical malpractice administrators backed by top-tier financial strength carriers (A.M. Best rated A or higher):

• CM&F Group : Widely favored by NPs. They offer individual, 24/7 portable policies with high limits (up to$2 million per claim), full consent-to-settle provisions, and comprehensive sub-limits for license defense, HIPAA violations, and telehealth.
• NSO (Nurses Service Organization) : Backed by CNA, NSO is one of the most widely recognized names in nursing liability. They provide exceptional individual coverage, including separate aggregate limits for state licensing board defense and HIPAA proceedings.
• Proliability : The sponsored professional liability provider for major organizations like the American Association of Nurse Practitioners (AANP), offering specialized professional discounts for certified members.
• Berxi : A digital-first division of Berkshire Hathaway that stands out by providing legal defense costs outside the liability limits (meaning legal fees don't eat into your$1 million pool for damages).

Crucial Features Your Policy Must Have

1. Occurrence vs. Claims-Made Policy Form:
   • Occurrence Policy: Protects you for any covered incident that happened while the policy was active, even if the lawsuit is filed years later after you’ve cancelled the policy or retired. (Generally preferred for peace of mind).
   • Claims-Made Policy: Covers incidents only if the policy is active when the claim is filed. If you leave the job or insurer, you must buy expensive tail coverage to cover past actions unless the insurer offers free tail upon retirement/disability.
2. Defense Costs Outside the Limit: Ensure that the money spent on attorneys, court fees, and expert witnesses does not deplete your primary liability pool (e.g., a$1 M/$3 M limit).
3. Full Consent-to-Settle: This clause ensures the insurance company cannot settle a malpractice claim out of court just to save money without your explicit written consent.
4. License Defense & Regulatory Protection: A lawsuit isn't the only risk; a complaint to your State Board of Nursing can jeopardize your livelihood. Look for at least$2 5,0 0 0 to$3 5,0 0 0 in dedicated license defense coverage. [1][2][3][4][5] 24/7 Portable Coverage: Ensure it follows you everywhere—covering your primary job, per diem work, telehealth/virtual visits, volunteer work, or Good Samaritan acts outside of work.

To help narrow down the ideal choice, let me know:

• What is your specific NP specialty (e.g., FNP, PMHNP, Acute Care)?
• Do you practice telehealth or engage in side-gig/contract work?
• Are you looking for an individual policy to supplement your employer's coverage?

Yes. For an NP, I would generally recommend having your own individual professional liability/malpractice policy, even if your employer provides coverage. The key is choosing a policy that protects you personally, follows you between jobs, and includes strong license-defense and legal-defense provisions. Employer coverage is primarily designed around the employer's interests.

My top choices

🥇 1. CM&F — my overall pick

CM&F stands out to me because its NP policy can provide $1 million per claim / $6 million aggregate, occurrence-based coverage, portable coverage, telehealth coverage, license defense, and full consent to settle—meaning they say they won't settle a claim without your consent.

The occurrence feature is particularly attractive. If something happens while you're insured, the policy can cover a later claim even after you've changed jobs or stopped carrying the policy. You don't have to purchase separate tail coverage for an occurrence policy.

CM&F currently lists NP occurrence coverage starting around $1,282/year for employed NPs and $2,329/year for self-employed NPs at $1M/$6M limits, although your actual premium can be substantially different depending on specialty, state, employment arrangement, and other factors.

🥈 2. Proliability — very strong option

Proliability is particularly compelling because its nursing/NP policies are occurrence-based, with limits up to $1M/$6M. It also provides attorney fees in addition to the liability limits, licensing-board reimbursement, HIPAA coverage, deposition expenses, and portable coverage.

If the Proliability quote is meaningfully cheaper than CM&F for essentially equivalent coverage, I'd be very comfortable choosing it.

🥉 3. NSO — excellent nursing-focused option

NSO is another major option specifically geared toward nurses and NPs. Its standard policy advertises $1M per claim / $6M aggregate, individual legal representation, 24/7 portable coverage, license-defense benefits, subpoena assistance, HIPAA-related coverage, and other supplemental protections.

I'd definitely get an NSO quote alongside CM&F and Proliability before purchasing.

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What I'd personally look for as an NP

I'd prioritize these features over simply finding the cheapest premium:

1. $1M per claim / $6M aggregate — a very reasonable baseline.
2. Occurrence coverage — my preference for an individual NP policy.
3. Defense costs outside the liability limit — extremely important.
4. License/board defense — important because a complaint to the BON can be a career-threatening issue even without a malpractice judgment.
5. HIPAA/privacy coverage.
6. Telehealth coverage, if applicable.
7. Coverage that follows you when you change employers, moonlight, work PRN, do locums, or provide care at multiple facilities.
8. Consent-to-settle provision — ideally, you have meaningful control over whether a case is settled.
9. Coverage for your specific specialty and procedures.
10. If you're an owner/1099 NP: determine whether you also need general liability, business/entity coverage, cyber liability, or medical-director coverage. Individual malpractice insurance isn't necessarily sufficient to protect an NP-owned practice.

One thing I would NOT do

I wouldn't choose a policy solely because it advertises something like "$400/year."

A low first-year premium can sometimes mean you're looking at a claims-made policy. Those policies can require expensive tail coverage when you leave the policy. Occurrence coverage costs more upfront but eliminates that particular tail issue.

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If you tell me these 5 things, I can narrow it down to the best policy for your exact situation and compare the likely cost/coverage:

• NP specialty: FNP, AGNP, PMHNP, ACNP, WHNP, etc.
• State(s) licensed/practicing:
• W-2, 1099, or both:
• Employer setting: hospital, primary care, urgent care, aesthetics, psych, telehealth, etc.
• Approximate annual income or number of hours: optional, but useful for comparing quotes.

If you're practicing in Arizona, I can also specifically compare what CM&F vs. NSO vs. Proliability offer for an Arizona NP.

When choosing liability insurance as a Nurse Practitioner (NP), the "best" policy isn't tied to just one brand—it is defined by an independent, occurrence-based policy with robust license defense and a "consent to settle" clause.

Even if your employer provides malpractice coverage, it typically protects the institution or group practice first, not your personal license or reputation. Having your own independent, portable policy ensures 24/7 protection that follows you across jobs, side gigs, or volunteer work.

Top-Rated NP Liability Insurance Providers

The vast majority of individual NP policies in the United States are underwritten by a few major, highly rated administrators:

• CM&F Group : Known for pioneering nurse liability insurance, offering high-rated occurrence and claims-made policies with exceptional marks for customer advocacy and 24/7 portable coverage.
• NSO (Nurses Service Organization) : Underwritten by CNA, NSO is the largest and most widely recognized individual nursing malpractice provider in the country, featuring extensive digital resources and easy enrollment.
• Proliability (Marsh/Liberty Mutual) : The officially sponsored provider for major organizations like the American Association of Nurse Practitioners (AANP), offering specialized member discounts.
• Berxi (Berkshire Hathaway) : Gaining popularity for streamlined, direct-to-consumer digital policies with transparent pricing and customizable features.

Key Features the "Best" Policy Must Have

1. Occurrence vs. Claims-Made Form
   • Occurrence Policy: Covers any incident that happens during the policy period, even if the lawsuit is filed years later after you’ve left the job or retired. It requires no "tail coverage". This is generally the gold standard for peace of mind.
   • Claims-Made Policy: Only covers incidents if the policy is active when the claim is filed . If you switch jobs, you must buy expensive "tail coverage" to cover past actions.
2. License Defense/Regulatory Coverage
   • Board of Nursing investigations are often a greater immediate threat to your livelihood than large malpractice suits . Ensure your policy includes at least$2 5,0 0 0 to$3 5,0 0 0 specifically for state licensing board hearings and investigations.
3. Full Consent to Settle
   • Look for a policy that explicitly states the insurer cannot settle a claim without your written consent . Employer policies sometimes settle to protect the hospital's bottom line, which can permanently mark your professional databank record.
4. Defense Costs Outside Liability Limits
   • Ensure legal representation and attorney fees are paid in addition to your policy limits (e.g.,$1 m i l l i o n/$6 m i l l i o n ), meaning legal defense costs do not eat into the pool of money available for actual damages or settlements.
5. Additional Endorsements
   • Confirm coverage for modern risks including telehealth/telemedicine, HIPAA violations/penalties , and assault/first aid protection.

To help narrow down the ideal coverage, tell me:

• What is your specific specialty (e.g., Family Practice, PMHNP, Acute Care)?
• Are you fully employed by a hospital/clinic or self-employed/independent?

When selecting liability insurance as a Nurse Practitioner, the "best" policy is an independent, occurrence-based individual policy from a reputable, specialized healthcare liability provider.

Even if your employer provides malpractice coverage, relying solely on it leaves significant gaps because an employer's policy protects the institution first—not your personal license, reputation, or independent financial assets.

Top Liability Insurance Providers for NPs

The industry standard is dominated by a few major, highly rated administrators that specialize in advanced practice nursing:

• CM&F Group : Widely regarded for comprehensive coverage, high A.M. Best financial ratings, and a strong history of protecting nurses and NPs. They offer portable, individual policies with robust license defense limits.
• NSO (Nurses Service Organization) : Underwritten by CNA, NSO is the largest and most widely recognized provider for nursing professionals and is endorsed by numerous national healthcare associations.
• Proliability (by Mercer / Liberty Mutual) : The endorsed provider for organizations like the American Association of Nurse Practitioners (AANP), offering tailored rates and specific association discounts.
• Berxi : Backed by Berkshire Hathaway, Berxi is a digital-first option known for transparent pricing, zero deductibles, and defense costs that sit outside the liability limits.

Key Policy Features to Look For

When evaluating a plan, make sure it includes these non-negotiable features:

1. Occurrence vs. Claims-Made : Opt for an occurrence policy if available. It covers any incident that happens during the policy period, even if the patient files a lawsuit years later after you've left the job or retired. If you choose a claims-made policy , you must purchase expensive "tail" coverage when you change jobs or stop practicing.
2. License Defense / Board of Nursing Coverage : State board investigations (which threaten your license directly) are often more common and career-threatening than civil malpractice lawsuits. Ensure your policy includes at least$2 5,0 0 0 to$3 5,0 0 0 specifically for administrative/licensing board hearings.
3. Full Consent to Settlement : Look for a clause stating the insurer cannot settle a claim without your written consent . Some employer-provided policies allow the insurance company to settle out of court to save money, which can permanently damage your professional data bank record and National Practitioner Data Bank (NPDB) history.
4. Defense Costs Outside Liability Limits : Ensure legal defense fees do not eat into your policy limits (e.g., if you have a$1,0 0 0,0 0 0 limit, legal defense shouldn't be subtracted from that amount, leaving the full pool available for judgments or settlements).
5. Portable, 24/7 Coverage : Your policy should follow you everywhere—covering volunteer work, telehealth/telemedicine, and side-gigs or PRN work outside of your primary hospital network.
6. Additional Endorsements : Check for sub-limits covering HIPAA violations/proceedings, sexual misconduct defense , and first-aid/Good Samaritan acts.

If you share your primary specialty (e.g., Family Practice, Psych/Mental Health, Acute Care) and whether you are employed or self-employed/contracting , I can help you figure out the ideal coverage limits (like$1 M/$3 M vs$2 M/$6 M ) for your practice.

If you’re a Nurse Practitioner, I’d generally recommend getting your own individual professional liability (malpractice) policy, even if your employer provides coverage. The employer’s policy is primarily designed to protect the employer, while your own policy can protect your interests, license, and career.

My top choices

1. CM&F — my first choice for many NPs

• Particularly attractive if you want occurrence-based coverage.
• Common limit: $1 million per claim / $6 million aggregate.
• Includes professional liability, license defense, telehealth, and other NP-specific protections.
• Their 2026 published starting price is about $1,282/year for W-2 NPs and $2,329/year for self-employed/1099 NPs for occurrence coverage, although your actual quote can be very different based on specialty and practice.
• A major advantage: no tail insurance to purchase with occurrence coverage.

2. NSO — excellent, established choice

• Very widely used by nurses and NPs.
• Standard coverage can be $1M/$6M.
• Includes license-defense coverage and HIPAA-related benefits.
• Worth getting a quote because pricing can be competitive depending on your specialty.

3. Proliability / Berxi — definitely worth comparing

• Both are commonly considered alongside NSO and CM&F.
• I wouldn't automatically choose the cheapest quote, though. Make sure you're comparing the same limits and the same policy type (occurrence vs. claims-made). NP discussions also frequently emphasize that premiums vary substantially by specialty and state.

The most important decision: occurrence vs. claims-made

If the price difference isn't enormous, I'd favor occurrence coverage.

With an occurrence policy, you're covered for an incident that happened while the policy was active, even if the lawsuit comes years later. You don't need to buy tail coverage when you leave the policy. CM&F specifically offers this structure.

With claims-made, you generally need to maintain continuous coverage and may need tail coverage when you leave the policy.

What I'd look for in your policy

For an NP, I'd ideally want:

California is also worth paying particular attention to. California law requires NPs practicing under the relevant statutory framework to maintain professional liability insurance appropriate to their practice setting, although exemptions can apply depending on employment circumstances.

If you tell me your NP specialty (FNP, PMHNP, AGNP, etc.), whether you're W-2 or 1099, whether you work in a hospital/clinic/private practice, and whether you're in California, I can compare CM&F vs. NSO vs. Proliability/Berxi specifically for your situation and tell you what I'd buy.