Yes
Print Article Email Article. As a nurse practitioner, you should never be without malpractice insurance. Even so, your chances of being sued can be greatly diminished by accurate, thorough documentation and good systems and risk management in your practice. Employer's Insurance If your employer purchases your malpractice insurance, ask to see the policy to determine whether you are covered for administrative claims. Administrative claims are complaints filed with the board of nursing. The cost of malpractice insurance has been rising. More lawsuits and higher awards against nurse practitioners have been a factor in the price hikes. And as the number of NPs increases and our scope of practice widens, lawsuits against NPs will increase. Employer's Insurance If your employer purchases your malpractice insurance, ask to see the policy to determine whether you are covered for administrative claims. Administrative claims are complaints filed with the board of nursing. NPs perform many of the procedures that physicians perform, and in many states, we can practice independently. Even with the premium increases, malpractice insurance is still a bargain when you consider that a physician may pay $10,000 while a nurse practitioner pays $1,200 for the same coverage. Employer's Insurance If your employer purchases your malpractice insurance, ask to see the policy to determine whether you are covered for administrative claims. Administrative claims are complaints filed with the board of nursing. Malpractice Insurance. The State of Florida mandates liability insurance for all Advanced Practice Nurses (APN's). This group includes the Advanced Registered Nurse Practitioner (ARNP), Certified Registered Nurse Anesthetist (CRNA), Certified Nurse Midwife (CNM), and the Certified Clinical Nurse Specialist (CNS). Make sure that the liability insurance covers the APN’s practice for which certification and licensure exist. In other words if you are licensed in Family Practice then you need to carry a Family Practice policy, not an adult policy. There are two types of malpractice insurance offered in Florida: 1. Claims Made Policy. 2. Occurrence Based Policy. Claims Made Policy: Is a professional liability policy that is purchased and covers ANY claim while the APN continues to practice and carry that policy The Florida Board of Nursing does not complete a primary source verification of education for all of its Advanced Registered Nurse Practitioners (ARNP). We do not maintain a list of “approved” ARNP programs. Florida ARNP applicants are required to hold an RN license, a master’s degree or post-master’s certificate in a nursing clinical specialty area and national advanced practice certification from an approved nursing specialty board. All of us at The Doctors' Insurance Agency understand how to work toward obtaining the right fit of Malpractice Insurance for Nurse Practitioners. Our agency has been working with physicians, facilities and allied healthcare providers to find insurance solutions for 25 years.  Malpractice insurance is the subject of much discussion and angst today. Annual premium costs for nurse practitioners appear inflated in a variety of specialties and subspecialties. The general assumption is that professionals who provide higher-risk services and treat higher-risk populations would pay higher premiums. A united voice is required. Margaret Helgert and Carla Anderson are family nurse practitioners who are the founders of Advanced Practitioners of Oregon in Wilsonville. For more information, visit www.advancedpractitionersoforegon.org. References 1. Buppert C. Questions on malpractice insurance. Professional Liability Insurance for Nurse Practitioners. As a nurse practitioner, you’re able to practice within the full scope of your license, education, and expertise – which places you at greater risk. 1 Personal Injury Coverage. 2  Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged personal injuries through the performance of your professional services.
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does florida require malpractice insurance for nurse practitioner