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ELITE NP Partner

Insurance That Protects Your Practice, Your Family, and Your Future

As an ELITE NP partner, Kincaid Solutions helps nurse practitioners compare health, life, disability, and business insurance solutions designed around the way you live and practice.

  • Built for Nurse Practitioners

  • Personal & Practice Coverage

  • Trusted Insurance Guidance

Schedule a Free Consultation Request an Insurance Review

Helping Ohio and healthcare professionals across the U.S. protect their careers, families, businesses, and financial future.

ELITE NP Partner
Why nurse practitioners choose us

Your coverage should evolve with your career

Your insurance needs can look very different as you move from employed practice to independent contracting or owning your own clinic. Employer benefits may no longer be enough — or may disappear entirely when your career changes.

Kincaid Solutions helps you look at the full picture so your coverage supports your income, your family, and the practice you’re building.

  1. 01

    Employed Nurse Practitioner

    Understand what your employer benefits cover — and where personal life, disability, or health coverage may help fill the gaps.

  2. 02

    Independent or Contract NP

    When employer benefits are no longer part of the picture, we help you evaluate coverage for your health, income, and family.

  3. 03

    Practice Owner

    As your practice grows, your insurance strategy may need to protect more than you personally — including your business, employees, and long-term plans.

Wherever you are in your career, the goal is simple: understand what you have, identify what may be missing, and choose coverage that fits where you’re going.

Ready to get started?

Apply Now

It’s fast and easy. Complete the preliminary application below, then schedule a live quote session so we can review your options and answer any questions you may have.

  1. 01

    Submit the Preliminary Application

    Complete the short application below so we can learn more about your insurance needs.

  2. 02

    Schedule Your Quote Review

    After submitting the application, book a time on the calendar to review your quote and discuss your options.

Underwriting is fast, easy, and typically takes 30 days or less.

Common insurance needs

The coverages we help nurse practitioners think through

Most NPs benefit from one or more of the following. We’ll help you decide what makes sense for your situation today — and what to add as your career grows.

  • Life Insurance

    Protect your family’s financial future.

  • Disability Insurance

    Replace income if illness or injury prevents you from working.

  • Critical Illness Insurance

    Help cover unexpected expenses during serious illnesses.

  • Health Insurance

    Individual and family health coverage options.

  • Business Insurance

    Coverage for independent practices and growing healthcare businesses.

  • Medicare & Retirement Planning

    Planning for the future as your career evolves.

Starting your own practice?

We’ll help you build the insurance foundation

Many ELITE NP members are launching their own practices. Whether you’re exploring the idea or already signing a lease, here are the coverages we walk new practice owners through:

Talk Through Practice Coverage
  • Business insurance
  • Employee benefits
  • Key person protection
  • Group health benefits
  • Disability coverage
  • Business continuity planning
Why work with Kincaid Solutions?

We take time to understand your goals before recommending coverage

Our process is built around your situation — not a product script.

  1. Review your current protection

    We start by understanding what you already have in place.

  2. Identify coverage gaps

    We look for exposures most NPs miss — disability, critical illness, business coverage.

  3. Compare available options

    We shop across top national carriers so you see the trade-offs side by side.

  4. Help you choose coverage that fits

    Plain-English explanations. No pressure. The plan that fits your situation today.

  5. Provide ongoing support as your career changes

    Jobs change. Practices grow. We update your coverage as life happens.

Supporting the ELITE NP Community

A preferred partner for the ELITE NP network

Kincaid Solutions is proud to work with members of ELITE NP by providing personalized insurance guidance designed for Nurse Practitioners and healthcare professionals.

We understand the unique challenges of clinical practice, business ownership, and long-term financial planning.

Frequently asked questions

What nurse practitioners ask most often

Still curious? Reach out — we’ll get back to you within one business day.

Ask Your Question
Do I need life insurance if my employer offers benefits?

Employer-provided life insurance is a great start, but it usually tops out at 1–2× your salary and disappears the moment you leave the job. Most NPs we work with carry a personal policy on top of any employer coverage so the protection isn’t tied to a single position.

What happens if I become self-employed?

When you leave a W-2 role to start a practice or contract independently, employer-sponsored health, life, and disability coverage typically end. We help NPs replace what they lose — often with stronger, portable individual policies that follow them through every career stage.

Should I purchase disability insurance?

For most NPs, yes. Your ability to earn is your single largest financial asset. A disability policy replaces a portion of your income if illness or injury keeps you from working — and rates are lowest while you’re young and healthy.

What insurance should I have before opening my own clinic?

At minimum: general liability, professional liability (malpractice), property coverage if you have a physical space, workers’ comp once you hire, business interruption, and a personal disability policy. We can build a full review around your plan and budget.

Can I keep my current doctor?

Often, yes. Before recommending a health plan we check whether your current providers are in-network. If keeping a specific provider matters to you, we’ll prioritize plans that include them.

Can you review my existing policies?

Yes — a no-pressure policy review is one of the most useful conversations we have. We’ll tell you what you have, what’s competitive, what’s redundant, and where you have a coverage gap.

Do you work with healthcare professionals outside Ohio?

Yes. We’re licensed in 23 states and routinely serve nurse practitioners, HRT providers, and other healthcare professionals nationwide through our partnerships with ELITE NP and HRTU.

Free, no-obligation consultation

Ready to protect your career and your future?

Whether you’re just beginning your career, opening your own practice, or planning for retirement, Kincaid Solutions is here to help you explore insurance options with confidence.

Schedule Your Free Consultation Request an Insurance Review