Nurse Practitioner Program

Exclusive Professional Liability Program for Nurse Practitioners

Nurse Practitioners: A Growing Market Opportunity
As the U.S. healthcare system evolves, the demand for nurse practitioners (NPs) continues to rise—growing by over 75% in the past five years.* With more professionals entering the field, the need for specialized professional liability coverage is greater than ever. Affinity Healthcare, through its partnership with the Nurses Service Organization (NSO), offers a robust Nurse Practitioner Program that provides tailored protection and risk management tools for this growing segment.

NSO is the nation’s largest provider of professional liability insurance for nurses, currently insuring over 25,000 nurse practitioners and 650,000 nursing professionals. This exclusive program is designed to meet the unique exposures faced by NPs in a wide variety of practice settings.

Ideal Accounts for This Program
This program is ideal for licensed nurse practitioners in clinical practice, private practice, or consulting roles. Whether your client is a recent NP graduate or a seasoned practitioner expanding into aesthetic procedures, this program offers flexible solutions. You might have a client who operates a part-time telehealth practice or one offering botox and cosmetic treatments—both are potential fits for this program.

Program Highlights and Coverage Features
•   Occurrence-based coverage**
•   Limits up to $1,000,000 per occurrence / $6,000,000 aggregate – higher limits available
•   Defense costs paid outside the policy limits
•   License Protection – $25,000 per proceeding / $25,000 aggregate
•   Sexual Misconduct Allegation Sublimit – $25,000 aggregate
•   Defendant Expense Benefit – $1,000 per day / $25,000 aggregate
•   Deposition Representation – $10,000 per deposition / $10,000 aggregate
•   Information Privacy Coverage – $25,000 aggregate
•   Assault Coverage – $25,000 per incident / $25,000 aggregate
•   Property Damage to Others – $10,000 per incident / $10,000 aggregate
•   Medical Payments – $1,000 per person / $100,000 aggregate
•   First Aid Reimbursement – $10,000 aggregate
•   Optional Endorsements Available: Service to Animals, Consulting Services Liability

Optional Aesthetic Procedures Endorsement
Enhance your client’s policy with coverage for nearly 100 non-surgical aesthetic procedures. This includes today's most common treatments such as Botox, dermal fillers, laser hair removal, microdermabrasion, and chemical peels—making it an excellent option for NPs expanding their service offerings.

Available Discounts
•   25% discount for first-year graduate nurse practitioners
•   50% discount for retired NPs who maintain an active license
•   10% premium credit for three years with completion of a qualified risk management course

Admitted Coverage Across the U.S.
This program is available in all 50 states and the District of Columbia, offering admitted coverage through American Casualty Company of Reading, PA – a CNA company. Affinity Healthcare acts as the program administrator, bringing decades of experience and dedicated service to agents placing NP liability business.

*Real-McKeighan, Tammy. “Number of Nurse Practitioners Increasing Nationwide,” Fremont Tribune, March 10, 2011.
**Coverage is written on a claims-made form in Florida.

Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.

All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.

Frequently Asked Questions

What types of accounts are a good fit for this Nurse Practitioner Program?

This program is ideal for licensed nurse practitioners working in clinical, private practice, telehealth, or consulting roles. It also fits NPs offering non-surgical aesthetic procedures.

Is the coverage admitted and available in all states?

Yes, the program is admitted and available in all 50 states and Washington, DC.

Can coverage be extended to include cosmetic or aesthetic treatments?

Yes, the optional Aesthetic Procedures Endorsement covers nearly 100 non-surgical treatments, including Botox, chemical peels, and laser hair removal.

Are there any discounts available for new or retired NPs?

Yes, new graduate NPs receive a 25% discount, and retired NPs with an active license receive a 50% discount. A 10% risk management credit is also available for three years upon course completion.

What carrier underwrites this Nurse Practitioner Program?

The program is underwritten by American Casualty Company of Reading, PA – a CNA company.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Program Administrator

Admitted:

All Available States

Carriers:

Carrier Ratings:

"A" (Excellent) by A.M. Best

Commission:

-

Min Premium:

-

Coverages:

Chemical Manufacturers Insurance nonsurgical aesthetic procedures professional liability Insurance nonsurgical cosmetic procedures professional liability Insurance professional liability for nonsurgical aesthetic procedures Insurance professional liability for nonsurgical cosmetic procedures Insurance Professional Liability Program for Aesthetic Procedures Insurance Professional Liability Program for Botox Insurance Professional Liability Program for dermal fillers Insurance Professional Liability Program for laser hair removal Insurance Professional Liability Program for Nurse Practitioners Insurance

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Affinity Healthcare has other insurance programs like Aesthetics/MediSpa Professional Liability Insurance.

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