What is Malpractice Insurance for Physician Assistants?
Malpractice insurance for physician assistants provides PA professionals with protection from patients or coworkers who claim their negligence at work caused an injury. This could be a wrong diagnosis, a sexual assault claim, an infraction of HIPAA privacy laws, or any claims of negligence. While many employers may offer coverage against malpractice related claims, the interests of the employee are viewed as secondary.
With individual PA malpractice insurance coverage, the monetary coverage and policy benefits are guaranteed for the policy owner’s sole use. Physician assistants liability insurance protects you from litigation expenses, as well as gives you a team of industry experts that fight for your personal assets, professional credentials, and financial future.
What types of PA malpractice insurance policies does CM&F offer?
Basic Malpractice Insurance Policy Options:
There are two types of basic malpractice insurance policy options: Occurrence and Claims-Made. CM&F offers occurrence malpractice insurance for PAs, in addition to claims-made policies. An occurrence policy means that if a claim is made against a physician assistant regarding a past incident that occurred during a time they were previously covered under CM&F liability insurance, that claim will be covered by CM&F even if the physician assistant has since ended their liability coverage. Since most malpractice claims are made 18-24 months after an incident occurs, this type of protection is very important. Claims-made insurance policies only protect professionals if they have insurance at the time of the claim. With occurrence policy insurance, there is no need for physician assistants to renew or buy tail coverage should they choose to leave CM&F or retire.
Where is my physician assistant insurance applicable?
CM&F malpractice insurance for physician assistants is portable, which means as the physician assistant moves, so does the coverage. CM&F’s malpractice insurance is attached to the individual PA, not their place of work. Not having your own, portable coverage separate from your employer’s shared policy limits your protection to duties performed for that sole practice. For physician assistants who moonlight, work at multiple places, or have private clients, a portable malpractice insurance plan is a must – and with CM&F, only one policy is required to cover the individual at any amount of workplaces.
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