LLC for Nurse Practitioners: Guides for All 50 States
liability protection separate from malpractice insurance, tax savings for independent contractors, and credentialing advantages with healthcare facilities.
Solo Business Landscape for Nurse Practitioners
Nationwide, there are 2,303,883 solo health care and social assistance businesses with no employees, the U.S. Census sector that includes nurse practitioners (U.S. Census Bureau, Nonemployer Statistics (NES), 2023).
Top 5 states by solo health care and social assistance businesses
| State | Solo Businesses |
|---|---|
| CACalifornia | 290,961 |
| FLFlorida | 261,052 |
| TXTexas | 202,706 |
| NYNew York | 162,961 |
| ILIllinois | 87,106 |
Do you need business insurance?
An LLC’s liability shield protects your personal assets from the business’s debts and lawsuits, but it does not protect the business itself, client injuries, property damage, and lawsuits against the company can still put its income and assets at risk.
Nurse Practitioners LLCs typically pay around $41/month for general liability coverage (as of September 2026, per Insureon - Nurse Insurance Cost).
Business insurance providers for nurse practitioners
Typical cost for nurse practitioners: general liability $41/mo median · professional liability $45/mo · limits $1M per occurrence / $2M aggregate (GL); $1M per occurrence / $3M aggregate (malpractice), as of September 2026, per Insureon - Nurse Insurance Cost. These are industry-wide medians, not quotes from the providers below. No figure in this paragraph describes a policy offered by any provider below, and the limits shown are the basis of that median rather than terms offered by any of them.
Disclosure: NEXT Insurance (ERGO NEXT), Hiscox and Thimble pay us when you request a quote through our link, whether or not you buy a policy. Embroker does not pay us. This does not affect our editorial comparisons, and coverage details always come from the insurer's own documents.
| Provider | Stated focus | AM Best rating | Insurer’s site |
|---|---|---|---|
| NEXT Insurance (ERGO NEXT) | online small business insurance for the self-employed, freelancers, contractors, sole proprietors, and micro-businesses across 1,300+ professions | A+ | Visit NEXT Insurance (ERGO NEXT) |
| Hiscox | small-business and professional liability (errors & omissions) coverage for professional-services freelancers, consultants, and specialty professions across 180+ occupations | A | Visit Hiscox |
| Embroker | digital commercial insurance (D&O, cyber, tech E&O, EPLI, professional liability) for venture-funded startups, tech companies, law firms, VC/PE firms, and other professional-services businesses | N/A | Visit Embroker |
| Thimble | on-demand, short-term (hourly/daily/monthly) general liability and professional liability insurance for freelancers, gig workers, and small businesses across 129+ industries | N/A | Visit Thimble |
Stated focus reproduces how each insurer describes its own business on its own website. It is not our recommendation, and we do not rank these providers.
MyStateLLC is not an insurance agency, producer, or broker, and is not licensed in any state. We do not sell, solicit, or negotiate insurance, we take no applications, and we do not quote, bind, or place coverage. Every quote is requested on the insurer’s own website. This guide is general information, not insurance, legal, or financial advice. Coverage needs, requirements, and pricing vary by business, location, and carrier underwriting. Confirm policy details directly with a licensed insurance carrier or agent before making a purchasing decision.
Find Your State
50 of 50 state guides published, more coming soon.
| State | Filing Fee | Processing | Guide |
|---|---|---|---|
| ALAlabama | $200 | Not published | View guide → |
| AKAlaska | $250 | Instant online; 10 to 15 business days by mail | View guide → |
| AZArizona | $50 | Live queue, no fixed turnaround | View guide → |
| ARArkansas | $45 | Most within 2 business days | View guide → |
| CACalifornia | $70 | Live queue, no fixed turnaround | View guide → |
| COColorado | $50 | Instant (online filing only) | View guide → |
| CTConnecticut | $120 | Most online filings auto-accepted | View guide → |
| DEDelaware | $110 | Not published | View guide → |
| FLFlorida | $125 | Live queue, no fixed turnaround | View guide → |
| GAGeorgia | $110 | 7 to 10 business days online; 15 paper | View guide → |
| HIHawaii | $50 | Not published | View guide → |
| IDIdaho | $100 | Live queue, no fixed turnaround | View guide → |
| ILIllinois | $150 | Not published | View guide → |
| INIndiana | $95 | Not published | View guide → |
| IAIowa | $50 | Not published | View guide → |
| KSKansas | $85 | Within minutes (online) | View guide → |
| KYKentucky | $40 | Same day to 3 business days | View guide → |
| LALouisiana | $125 | Not published | View guide → |
| MEMaine | $175 | 40 to 55 business days | View guide → |
| MDMaryland | $100 | 6 to 8 weeks | View guide → |
| MAMassachusetts | $520 | Not published | View guide → |
| MIMichigan | $50 | Not published | View guide → |
| MNMinnesota | $155 | Not published | View guide → |
| MSMississippi | $50 | Same day (online) | View guide → |
| MOMissouri | $50 | Usually instant (online) | View guide → |
| MTMontana | $35 | Not published | View guide → |
| NENebraska | $100 | Not published | View guide → |
| NVNevada | $75 | Same day (online) | View guide → |
| NHNew Hampshire | $100 | Within 30 days (paper) | View guide → |
| NJNew Jersey | $100 | Not published | View guide → |
| NMNew Mexico | $50 | Not published | View guide → |
| NYNew York | $200 | Not published | View guide → |
| NCNorth Carolina | $125 | 15 to 20 business days | View guide → |
| NDNorth Dakota | $135 | Not published | View guide → |
| OHOhio | $99 | 3 to 7 business days (paper) | View guide → |
| OKOklahoma | $100 | Not published | View guide → |
| OROregon | $100 | Not published | View guide → |
| PAPennsylvania | $125 | 2 to 4 days | View guide → |
| RIRhode Island | $150 | Within 2 business days | View guide → |
| SCSouth Carolina | $110 | Not published | View guide → |
| SDSouth Dakota | $150 | Not published | View guide → |
| TNTennessee | from $300 | Not published | View guide → |
| TXTexas | $300 | Not published | View guide → |
| UTUtah | $59 | Instant to 7 business days | View guide → |
| VTVermont | $155 | Under 1 business day online; 7 to 10 by mail | View guide → |
| VAVirginia | $100 | Not published | View guide → |
| WAWashington | $200 | Within 15 business days (paper) | View guide → |
| WVWest Virginia | $100 | 5 to 10 business days (paper) | View guide → |
| WIWisconsin | $130 | Instant on receipt (online) | View guide → |
| WYWyoming | $100 | Instant online; up to 15 business days paper | View guide → |
Guides for Other Professions
Free Tools for Nurse Practitioners
Edmond Hui · Founder, MyStateLLC
Edmond Hui is a software engineer and serial entrepreneur based in New York who has founded multiple online businesses across e-commerce, media, and information publishing. Before transitioning into tech, he spent years as a commercial real estate professional closing deals totaling over 100,000 square feet, giving him firsthand experience with business formation and entity structuring. He built MyStateLLC to provide the free, state-specific LLC guidance he wished existed when forming his own companies.