Under most Southeast collaborative-practice agreements, the supervising physician’s malpractice policy extends to the NP/PA as a “named additional insured” as long as the practice is disclosed on the application at underwriting. Independent-practice NPs, where state scope-of-practice rules allow independent authority, should carry a separate professional liability policy — typically $2,400 to $5,800 per year for family NP practice depending on the state.
Locum tenens and 1099 contract providers should always carry their own coverage in their own name, whether or not the host practice offers additional-insured status.
