What is Professional Liability Program for Physician Assistants?
A Professional Liability Program for Physician Assistants (PAs) provides coverage in case a patient claims negligence, errors, or omissions related to your work. This type of insurance helps protect your personal assets and career if you're sued for malpractice or face a professional complaint. It’s also commonly referred to as malpractice insurance.
Who Needs It
Physician Assistants working in hospitals, clinics, private practices, or as independent contractors should consider professional liability insurance. Even if your employer provides coverage, it may not fully protect you in all situations. Having your own policy can give you added peace of mind and more control over your legal representation.
What It Typically Covers
Professional liability insurance for PAs generally includes coverage for:
- Legal defense costs if you're sued for malpractice
- Settlements or judgments resulting from covered claims
- Claims of errors or omissions in patient care
- Allegations of misdiagnosis or delayed diagnosis
- Licensing board investigations (varies by policy)
Common Exclusions and Limitations
While coverage can be broad, most policies do not cover:
- Criminal acts or fraud
- Services performed outside your professional scope
- Claims arising from procedures not authorized under your license
- Injuries or damages outside the policy period
Always review your policy to understand the specific exclusions and limits that apply.
Factors That Influence Cost
The cost of a professional liability policy for PAs depends on several factors, including:
- Your location and state regulations
- Years of experience and specialty area
- Whether you work full-time or part-time
- Claims history and prior lawsuits
- Policy coverage limits
Proof of Insurance & Compliance
Many employers and healthcare facilities require PAs to show proof of professional liability insurance before starting work. Some states may also have specific insurance requirements. Keeping an up-to-date certificate of insurance (COI) is important for licensing, employment, and credentialing purposes.
How to Get a Quote
Getting a quote is quick and easy. To explore coverage options and get started, request a quote today.
Frequently Asked Questions
Is professional liability insurance required for physician assistants?
Requirements vary by employer and state. While not always mandatory, many healthcare facilities require PAs to carry their own policy.
Does my employer's insurance cover me completely?
Employer-provided coverage may not fully protect you in all situations, such as actions taken outside your job scope or after you leave the position.
What is the difference between claims-made and occurrence policies?
Claims-made policies cover claims filed during the policy period, while occurrence policies cover incidents that happen during the policy period, regardless of when the claim is filed.
Will this insurance cover telemedicine services?
Many policies now include coverage for telehealth, but it's important to confirm with your insurer that your specific services are included.
Can I keep my policy if I change jobs or work at multiple locations?
Yes, individual policies typically follow you regardless of your workplace, but check with your provider to ensure continuous coverage.
Still have questions? Talk to a local insurance expert.