Physician Assistant Liability Insurance

Tailored malpractice coverage for Physician Assistants — primary care, urgent care, surgical first-assist, specialty clinics, hospitalist roles, and independent practice.

What it Costs What's Covered

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.

What our customers say

Nick LeRoy

Extremely pleased with the assistance that I received. He was timely with his responses.

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Devoted Doc

Ralph has been an excellent partner for our practice. He's responsive and gives us the insight we need.

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Ben G. Adams

Extremely pleased with the assistance that I received. He was timely with his responses.

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John McDonald

Responsive and detailed with necessary information to supply a solid plan and coverage.

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Jordanna Kirschner

Ralph was very helpful in answering all my questions and concerns.

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Andrane Gordon

It was a pleasure I was expecting this was going to take weeks — he was very efficient communicating with me and my assistant.

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Carolyn Gurski

Ralph was easy to work with, stayed in touch and communicated well. Very happy.

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Amanda Shrewsbury

Ralph and Amy are an awesome team to work with! 10/10 recommend working with them!

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Ren-Her Hwang

Very helpful recommendations!

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Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for Physician Assistants is to fill out our quick quote form. 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 $1M per claim / $3M aggregate, with prior-acts and tail coverage available.

Physician Assistant Insurance Can Include

Physician Assistants need coverage that reflects their expanding scope of practice and the clinical autonomy they exercise daily:

Professional Liability (Malpractice) Insurance

Your core protection against clinical claims:

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, and tail coverage.
Limits up to $1,000,000 per claim / $3,000,000 aggregate.

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 — covers electronic health records, e-prescribing, and telehealth platforms.
License Protection / Disciplinary Defense — legal representation during board proceedings.
Employment Practices Liability (EPLI) — if you own a practice with employees.
Tail Coverage — essential when switching employers or transitioning between claims-made policies.

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How Much Does Physician Assistant Malpractice Insurance Cost?

Typical Annual Premiums ($1M / $3M Limits)

PA malpractice premiums are generally lower than physician rates but vary significantly based on specialty, setting, state, and autonomy level:

Primary care PA (family medicine, internal medicine): $1,500 – $4,000 per year.
Urgent care or ER PA: $3,000 – $7,000 per year.
Surgical first-assist PA (orthopedics, general surgery, cardiothoracic): $4,000 – $10,000 per year.
Dermatology / low-risk specialty PA: $1,200 – $3,000 per year.
PA with OB or high-risk procedural scope: $5,000 – $12,000 per year.
Part-time or telehealth-only PA: $500 – $1,500 per year.

General Liability — Estimated Ranges

PA-owned practice or clinic: $500 – $2,000 per year.
Often bundled with property in a medical BOP if eligible.

Key Pricing Factors

Specialty and clinical scope — the single biggest factor. Surgical assist and ER work carry the highest premiums; dermatology and primary care are lowest.
Procedures performed — biopsies, excisions, joint injections, and I&D increase premiums beyond office-visit-only practice.
Full-time vs. part-time, visit volume, and call coverage.
Claims history and documentation quality.
State legal climate and multi-state practice — higher-litigation states cost more; multi-state telehealth adds exposure.
Supervision model (single vs. multiple supervising physicians) — more autonomy generally means higher premiums.
Employment structure — W-2 employed PAs may be covered under their employer's policy; 1099 or independent PAs need their own.
Policy type — claims-made costs less initially; occurrence costs more but eliminates tail concerns.

Do You Need Your Own Policy?

Many employed PAs are covered under their employer's facility policy. However, employer policies may not cover you for per diem shifts, side work, telehealth across state lines, or independent clinical activities. They also may not include license defense or follow you if you leave. An individual policy provides portable, reliable protection regardless of your employment situation.

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Higher-Risk Activities and Their Impact on Your Premiums

While PA malpractice is generally moderate compared to physician rates, certain practice areas and procedures draw heavier underwriting scrutiny and can significantly increase premiums.

Activity / Setting	Why It's Higher Risk	Insurance Impact
Surgical First-Assist	Shared liability for surgical complications, retained instruments, and post-operative errors. Named in suits alongside the supervising surgeon.	Premium 2–3x higher than primary care PA; carriers evaluate surgical specialty, volume, and credentialing.
Emergency / Urgent Care	Rapid triage decisions, limited patient history, and time pressure increase misdiagnosis risk. Chest pain, abdominal pain, and pediatric presentations are common claim triggers.	Premium increase over primary care; carriers evaluate training, supervision availability, and triage protocols.
Prescribing Controlled Substances	Opioids, stimulants, and high-risk medications. Allegations of over-prescribing, improper monitoring, or contributing to addiction.	+10–25% surcharge; carriers may require PDMP documentation and prescribing protocols.
Scope-of-Practice Disputes	Performing procedures or making clinical decisions beyond the supervising physician's delegation agreement. State scope-of-practice laws vary significantly.	Coverage may be denied if the PA operated outside delegated scope. Carriers evaluate delegation agreements and supervision documentation.
OB / Women's Health	Prenatal care, delivery assistance, and gynecologic procedures carry higher claim severity due to birth injury exposure.	Significant premium increase; OB scope may require separate endorsement. Long-tail exposure from birth injuries.
Multi-State Telehealth	Diagnostic limitations without physical exam, multi-state licensure compliance, and technology failures that delay care.	+10–20% surcharge; requires telehealth endorsement and proof of licensure in each state.
Aesthetic / Cosmetic Procedures	Injectables (Botox, fillers), laser treatments, and minor cosmetic procedures under physician supervision. Dissatisfaction-driven claims even without clinical error.	May require separate medspa or cosmetic endorsement; standard PA PL policies may exclude.
Independent Practice (Autonomous States)	States with Optimal Team Practice (OTP) allow PAs to practice with reduced physician oversight. Greater autonomy means greater individual liability.	Premium increase in autonomous practice states; carriers evaluate practice agreements and referral protocols.

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Other Types of Insurance Physician Assistants May Need

Homewood can often combine different types of coverage into one policy.

General Liability Insurance

Coverage for third-party injuries and property damage at your clinic or office — unrelated to direct patient care.

Professional Liability Insurance

Core malpractice coverage — protects PAs against claims of diagnostic errors, prescribing mistakes, and procedural complications.

Tail Coverage Insurance

Extended reporting coverage for claims-made policies — essential when switching employers, facilities, or transitioning to independent practice.

Cyber Liability Insurance

Covers patient data breaches from EHR systems, e-prescribing platforms, and telehealth technology.

Umbrella / Excess Liability

Additional protection above primary limits — recommended for PAs in high-risk specialties or autonomous practice states.

Workers' Compensation Insurance

Required if you own a practice with employees. Covers staff injuries and work-related illnesses.

Why Work With Homewood

PA malpractice varies significantly by specialty, supervision model, and state autonomy laws. At Homewood, we match your coverage to your actual practice:

Access to nearly 100 carriers — including specialty markets for surgical assist, ER, and autonomous practice PAs.
Expertise across all PA practice settings — primary care, urgent care, hospitalist, surgical, specialty clinics, and telehealth.
Guidance on whether you need your own policy vs. relying on employer coverage — and what gaps to watch for.
Help navigating Optimal Team Practice (OTP) and state-specific scope-of-practice changes affecting your coverage needs.
Support during claims, license investigations, board proceedings, and supervision disputes.
Competitive pricing even for higher-risk PAs in surgical, ER, or OB settings.

Call 947-274-3093 or Fill Out the Form

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.

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