Profession
Professional liability insurance for Healthcare & Allied Health
Allied health practitioners, clinicians, therapists, and healthcare consultants.
Risks we see most
What actually goes wrong.
- Alleged improper treatment
- Documentation and records errors
- Licensing board complaints
Quick qualifier
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Illustrative claim scenarios
How a policy responds.
Board complaint
Patient filed a licensing complaint alleging substandard care; defense costs covered.
Scenarios are illustrative examples of how this coverage is designed to respond — they are not actual client cases, and coverage always depends on policy terms and underwriting.
Where you work
Healthcare & Allied Health coverage, state by state.
What professional liability covers for Allied Health
Allied health malpractice coverage protects the professionals around the physician core — nurses and nurse practitioners, PTs/OTs, speech therapists, medical assistants, home health aides, lab techs, and similar roles — against claims that care caused patient harm: a treatment error, missed contraindication, documentation failure named in a broader suit, or scope-of-practice allegations. Even employed clinicians with hospital coverage carry individual policies, because the employer’s insurance defends the employer’s interests first and evaporates for anything outside employment.
Allied-health policies typically bundle malpractice liability with license-protection coverage (board investigations are the most common proceeding these professionals face), HIPAA-proceeding defense, deposition assistance, and sometimes assault coverage for patient-facing roles. Independent practices (PT cash practices, NP-owned clinics where permitted, home-care agencies) add general liability, cyber liability for PHI, and workers comp for staff. High-acuity prescriber roles (NPs, CRNAs) price and underwrite closer to physician malpractice.
What allied health professionals typically pay
Individual allied-health malpractice is remarkably affordable through large association programs; prescribers and business owners price higher.
| Business profile | Typical annual E&O premium range* |
|---|---|
| RN / LPN (employed, individual policy) | ~$100 – $300 |
| PT / OT / SLP, full-time | ~$150 – $500 |
| Nurse practitioner (non-prescribing state avg.) | ~$800 – $2,000 |
| Independent clinic / home-health agency | ~$2,500 – $10,000+ |
*Illustrative market ranges based on typical small-business placements; your premium depends on revenue, limits, claims history, contracts, and carrier appetite. Not a quote or offer of coverage.
Frequently asked questions
I’m covered at work. Why buy my own malpractice policy?
The employer’s policy is built for the employer: shared limits, employer-selected defense, and no coverage for volunteering, side gigs, per-diem shifts, or board complaints against your individual license. Individual policies are inexpensive precisely because they fill those gaps rather than duplicate the employer’s.
Does the policy cover state board investigations?
License-protection coverage — a defense sublimit for board proceedings — is standard in good allied-health forms and is the most frequently used benefit. Boards can act on anonymous complaints; having counsel from the first letter changes outcomes.
Are telehealth services covered?
Generally yes where you’re licensed or practicing under a compact (NLC for nurses, PT Compact, etc.). The compact landscape is expanding; keep your carrier informed of the states you serve so the policy tracks your lawful footprint.
What about home health aides and non-licensed caregivers?
Agencies insure them under the agency’s professional liability; independent caregivers can buy individual coverage through specialty programs. For agencies, the bigger costs are workers comp and GL — the professional layer is necessary but not the premium driver.
Related: therapists · cyber liability for PHI · workers comp.