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Malpractice Insurance for Physicians Assistants

Insurance for Physicians Assistants 

Malpractice insurance is essential for physician assistants (PAs) because they play a critical role in patient care, often working autonomously or in collaboration with physicians.

Given the complex and high-stakes nature of medical practice, PAs are at risk of facing malpractice claims, such as those related to misdiagnosis, treatment errors, or failure to obtain informed consent.

Malpractice insurance provides PAs with financial protection against the significant costs associated with defending these claims, including legal fees, settlements, and judgments, ensuring that they can continue practicing without the fear of financial devastation from a lawsuit.

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.

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Malpractice Insurance for Physicians Assistants can include:

  • Covers diagnostic errors, treatment missteps, and prescribing risks.
  • Protection for failure to diagnose, improper procedures, or referral delays.
  • Applies to primary care, urgent care, specialty clinics, surgical assistance, and hospital-based roles.
  • Includes liability for documentation issues, supervision disputes, and scope-of-practice claims.
  • Limits up to $1M per claim / $3M aggregate; tail and retroactive coverage available.

More information

why do physician assistants need insurance?

Insurance for physician assistants (PAs) is an essential safeguard in the rapidly evolving landscape of healthcare.

Because they diagnose illnesses, develop and manage treatment plans, prescribe medications, and often serve as a patient’s principal healthcare provider, PAs have a high level of responsibility and, consequently, potential liability.

The need for physician assistant malpractice insurance is underscored by data reflecting the legal challenges they face. According to the National Practitioner Data Bank (NPDB), PAs were involved in 1,682 malpractice cases from 2005 to 2014. This data highlights a significant risk that has more-than-likely only grown as PAs have taken on more autonomous roles in patient care.

The financial impact of these claims can be substantial. Jurors are increasingly awarding excessive payouts while legal defense costs continue to rise.

A study by the American Academy of PAs (AAPA) showed that while PAs face fewer malpractice cases than physicians, the impacts of claims can be catastrophic. According to the NPDB data, the average payout for PA malpractice claims continues to increase. Payout figures are increasingly reaching significant sums.

This financial burden highlights the critical importance of sourcing the best malpractice insurance for physician assistants. Insurance coverage is not just a regulatory requirement, but a crucial investment in a your professional future. It ensures that you can continue to provide care without the looming threat of financial devastation from potential litigation.

physicians-assistant2how much does liability insurance for physician assistants cost?

The cost of liability insurance for PAs varies widely depending on the State you practice in, whether you work full-time or part-time and your specialty. For coverage with limits of $1 millio per incident and $3 million aggregate, annual costs can start at $1,000 for a part-time physicians assistant working in family practice. A full time PA working in a surgical position, meanwhile can pay around $8,000 for the same coverage.

For a quick quote, fill out the simple form on this page. Homewood works with a number of different insurance companies to source the most suitable physician assistant liability insurance for you at the best price. Contact us today!

MedPro Group
Core Specialty
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Travelers Insurance
CFC Underwriting
Applied Underwriters
Tokyo Marine Insurance Group
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AIG Insurance
Ironshore
Strategic Comp
MagMutual
Genstar
Beazley
Empro Insurance
Great American Insurance
Skyward Specialty Insurance
Hudson Insurance Group
Huntersure Insurance
MIG Insurance
Kinsale Insurance

Coverage Tailored to Physician Assistants can include:

  • Covers claims involving missed diagnoses, misinterpreted test results, or delays in treatment.
  • Legal defense for medication prescribing errors, improper dosing, or failure to monitor adverse reactions.
  • Protection for minor surgical procedures, injections, wound care, and treatment planning under physician delegation.
  • Applies to PAs working in family medicine, orthopedics, cardiology, dermatology, hospitalist roles, and urgent care.
  • Includes liability for incomplete documentation, EMR errors, or failure to obtain informed consent.
  • Supports coverage for telemedicine, cross-state practice, or PAs providing care under multiple supervising physicians.
  • Optional protection for surgical assist functions, first assist roles, and extended care in post-acute or specialty settings.
  • Policy limits are available up to $1,000,000 per claim / $3,000,000 aggregate, with tail coverage, prior acts protection, and flexible endorsements to support evolving clinical roles

What types of Insurance do Physicians Assistants need?

 
General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.
 
 
Business owner's policy (BOP insurance)

Business owner's policy (BOP) insurance

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for Medical Professionals with small to medium-sized businesses. It provides a blend of liability protection and property insurance.
 
 
Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual physicians assistants during their practice. It differs from General Liability insurance, which covers the practice itself. 
 
 
Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for physicians assistants who use a vehicle for practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.
 
 
workers compensation insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law. It protects physicians assistant practices and employees in case of work-related injuries or illnesses.
 
 
Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.
 

Speak with an Insurance Professional

Call 947-274-3093 or
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Ralph Schiller

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.