Why does NBCCH require malpractice Insurance for all members?

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The short answer is because of lawyers.

The refined answer is to assure the general public that members maintain a level of professionalism.

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Professional liability insurance, also called errors and omissions insurance (E&O insurance) or indemnity insurance, protects your business if you are sued for negligently performing your services, even if you haven’t made a mistake. A customer could sue you because you did something you shouldn’t have, or you didn’t do something you should have, in the course of providing professional services. A professional liability insurance policy could protect you by covering the cost to defend yourself, as well as any settlement or judgment.