NsureMedix

Liability Insurance by Profession

70 profession-by-profession guides to malpractice and professional liability insurance — what it costs, what it covers, which carriers write your specialty, and whether your employer's policy is really enough.

Medical professions (56) Niche professions (13) Mainstream state guides (1)
Popular:

Medical professions (56)

Nursing & Advanced Practice (7)

Certified Nursing Assistant

~$50–$200 / yr (industry estimate; see note)

CRNA

~$1,500–$3,000 / yr (industry estimate; see note)

Home Health Aide

~$50–$200 / yr (industry estimate; see note)

Therapy & Rehabilitation (19)

Art Therapist

~$100–$350 / yr (industry estimate; see note)

Athletic Trainer

~$100–$350 / yr (industry estimate; see note)

Corrective Therapist

~$100–$350 / yr (industry estimate; see note)

Counseling & Mental Health (12)

Alcohol & Drug Counselor

~$100–$350 / yr (industry estimate; see note)

Behavior Therapist

~$100–$350 / yr (industry estimate; see note)

Board Certified Behavior Analyst

~$100–$350 / yr (industry estimate; see note)

Allied Health & Technicians (11)

Dialysis Technician

~$50–$200 / yr (industry estimate; see note)

EKG Technologist

~$50–$200 / yr (industry estimate; see note)

Medical Assistant

~$50–$200 / yr (industry estimate; see note)

Dental (2)

Dental Assistant

~$50–$200 / yr (industry estimate; see note)

Dental Hygienist

~$45–$150 / yr (industry estimate; see note)

Pharmacy (2)

Pharmacist

~$100–$350 / yr (industry estimate; see note)

Pharmacy Technician

~$100–$350 / yr (industry estimate; see note)

Emergency Medical (EMS) (2)

EMT

~$100–$350 / yr (industry estimate; see note)

Paramedic

~$100–$350 / yr (industry estimate; see note)

Other Medical (1)

Dietitian

~$100–$300 / yr (industry estimate; see note)

Niche professions (13)

Acupuncturist

~$300–$800 / yr (industry estimate; see note)

Dog Groomer

Varies — on-demand by job, month, or year

Dog Walker

Varies — on-demand by job, month, or year

Electrologist

~$100–$350 / yr (industry estimate; see note)

Esthetician

~$120–$300 / yr

Facialist

~$100–$350 / yr (industry estimate; see note)

Mainstream (state long-tail) (1)

Photographer

~$216 / yr ($18/mo) on average (Thimble)

How to use these guides

Every profession page answers the same four questions: whether you need your own policy, what it typically costs (an estimated annual range, never a fake exact quote), which carriers cover your specialty and on what terms, and how occurrence and claims-made forms differ for your situation. Cost figures are ranges compiled from carriers' public pages; the exact premium always comes from the carrier at quote.

If you are comparing carriers rather than professions, start at the carrier comparison hub; for the concepts behind the decisions (policy forms, tail coverage, employer-coverage gaps), see our plain-English guides.

Frequently Asked Questions

How much does malpractice insurance cost by profession? +

It varies widely by role: roughly $20–$100/yr for notary E&O, $50–$200/yr for most allied-health technicians, $100–$350/yr for therapists and counselors, about $990–$2,000/yr for nurse practitioners, and $1,500–$3,000/yr for CRNAs. Each profession page shows its own estimated range — final pricing always comes from the carrier at quote.

Do I need my own policy if my employer already covers me? +

Usually worth it. Employer policies protect the facility first, often exclude license defense, and typically end when you change jobs. A personal occurrence policy follows you across employers and settings and puts your interests first.

What is the difference between medical, niche, and mainstream professions here? +

Medical professions (nurses, therapists, technicians) face direct patient-care liability. Niche professions (massage, esthetics, pet care, notaries) are underserved by mainstream commercial insurers. Mainstream professions compete with national carriers on broad terms, so we cover them through state-specific long-tail guides instead.

How do I choose between carriers? +

Compare four things: policy form (occurrence needs no tail coverage), liability limits, whether license defense is included, and price. Our carrier comparison hub lines up the specialty carriers side by side.