Physician Assistant Liability Insurance

Physician Assistants provide examination, diagnosis, treatment planning, procedures, and prescribing under physician delegation. Because they function at the front line of care across primary care, urgent care, specialty clinics, and hospitals, they face meaningful exposure to claims tied to diagnosis, medications, procedures, and documentation.

Homewood Insurance helps Physician Assistants secure coverage that matches how they actually practice—single site or multi-site, in-person or telehealth, low-risk or procedural.

This page outlines the following:

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for physicians assistants is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

Insurance for PAs can include:

  • Covers diagnostic errors, treatment missteps, and prescribing risks.
  • Protection for missed diagnoses, improper procedures, and referral delays.
  • Applies in family medicine, urgent care, orthopedics, cardiology, dermatology, hospitalist roles, and surgical assist.
  • Includes liability for documentation issues, EMR mistakes, consent problems, and scope-of-practice disputes.
  • Optional protection for telemedicine, cross-state practice, and multiple supervising physicians.
  • Common limits up to $1,000,000 per claim / $3,000,000 aggregate, with prior-acts and tail coverage available.

Physician Assistant Insurance can include:

Malpractice or liability insurance can provide essential protection against these risks:

Physician Assistant Liability (Malpractice) Insurance

  • Allegations tied to work-ups, treatment plans, prescribing, procedures, follow-up, and consultation/referral.
  • Coverage for minor procedures (biopsies, excisions, simple suturing, joint injections) when within delegation.
  • Legal defense for supervision disputes and scope-of-practice claims.
  • Options for surgical first-assist, inpatient roles, urgent care, and specialty clinics.
  • Telehealth and multi-state endorsements where permitted.
  • Claims-made policies with flexible limits, prior-acts, incident-sensitive triggers (varies by carrier), and tail.

General Liability Insurance

  • Visitor slips, trips, and falls at your office or suite.
  • Damage to a patient’s property during services.
  • Personal and advertising injury (defamation or content disputes).
  • Medical payments for minor injuries— regardless of fault.

Recommended add-ons

  • Cyber Liability Insurance electronic health records, e-prescribing, telehealth platforms).
  • License protection and disciplinary defense.
  • Employment practices (if you employ staff or contractors).
  • Umbrella/excess cover for higher overall limits.

Why do Physician Assistants Need Insurance?

Real-world exposure comes from:

  • Missed or delayed diagnosis under time pressure.
  • Medication errors (dose, interaction, allergy, or monitoring).
  • Procedure-related allegations (injections, wound care, minor surgical tasks).
  • Disputed supervision or scope (working across multiple sites or specialties).
  • Documentation gaps and electronic record errors.
  • Consent and communication issues (unclear risks, inadequate follow-up).
  • Telemedicine across states with differing requirements.

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Physician Assistant Malpractice Insurance Cost:

Professional Liability Insurance(individual PA) — typical annual ranges for $1M/$3M limits

  • Primary care / lower-risk, part-time: $1,000 – $2,000
  • Urgent care / hospitalist / specialty with procedures: $3,000 – $8,000+
  • Surgical assist or procedure-heavy roles: often 2–4× primary-care baselines.

General Liability Insurance – Estimated Ranges:

  • Small office/solo entity: typically $400 – $1,200+ depending on location and foot traffic

Drivers that affect the cost of Insurance for Physicians Assistants

  • Specialty and procedure mix (surgical assist, injections, dermatology procedures, orthopedics).
  • Full-time vs. part-time, visit volume, and call coverage.
  • Claims history and documentation quality.
  • State legal climate and multi-state practice.
  • Supervision model (single vs. multiple supervising physicians) and proof of delegation.

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  • AIG Insurance
  • Applied Underwriters
  • Beazley Insurance
  • CFC Insurance
  • CNA Insurance
  • Core Specialty Insurance
  • Crum Forster Insurance
  • Travelers Insurance
  • Empro Insurance
  • Genstar Insurance
  • Great American Insurance
  • Hudson Insurance
  • Huntersure Insurance
  • Ironsure Insurance
  • Kinsale Insurance
  • Magmutual Insurance
  • Medpro Insurance
  • MIG Insurance
  • Skyward Insurance
  • Strategic Insurance
  • Tokio Marine Insurance

High-Risk Procedures and their Impact on PA Premiums

The items below often require endorsements, higher deductibles, or move you into a higher-rated tier. Clear delegation, competency logs, and consent language help control cost:

Procedure / Practice Why It’s Higher Risk Controls Required Insurance Impact
Surgical first-assist and invasive procedures Infection, nerve/vascular injury, retained items, wrong-site allegations Written delegation, competency logs, checklists, hospital privileges 2–4× baseline PL; may need procedural endorsement
Cosmetic injectables and lasers Aesthetic dissatisfaction, vascular occlusion, burns, scarring Specific cosmetic rider, training certificates, emergency meds Rider or exclusion; 2–3× premium if covered
Procedural sedation and anesthesia support Airway compromise, dosing errors, monitoring lapses Sedation policies, equipment, reversal agents, crash cart +50–150% PL; sub-limits common without dedicated endorsement
IV therapy and wellness infusions Off-label use, infiltration, infection, adverse reactions Protocolized indications, informed consent, aseptic technique Frequently excluded under standard PL; specialty markets required
Telehealth across state lines Licensure and scope mismatches; documentation gaps State-specific licensure, platform BAAs, documented consent +10–30% PL; must be listed on policy
High-acuity settings (ED, critical care, orthopedics) Time-sensitive diagnoses, higher complication rates Clear escalation rules, physician availability, pathway use Higher rating tier; larger deductibles common
Documentation, consent, and supervision disputes Claims hinge on the record and delegation details Template language, co-signature rules, audit trails Indirect—poor records drive surcharges at renewal

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Why Work With Homewood

  • Coverage aligned to your exact role— clinic, hospital, surgical assist, telehealth, or multi-site.
  • Access to nearly 100 carriers so you are not forced into a one-size-fits-all PA form.
  • Help comparing insurance packages: claims-made vs. occurrence, prior-acts, and tail so you avoid gaps when changing jobs.
  • Fast endorsements for cosmetic riders, telehealth, and multi-physician delegation.
  • Straight answers on what is—and is not—covered so there are no surprises.

Call 947-274-3093 or Fill Out the Form

Ralph — Insurance Specialist

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Physician Assistants at the best price. You can call him or fill out the form and he will get your message directly.