New Graduate Physician Assistant (PA) Professional Liability Insurance

Affordable, Reliable Liability Insurance for PAs Who Graduated Within the Last Year

Trust Your Career With CM&F!

A Lower Annual Premium For New To Practice PAs!

At CM&F, we understand that transitioning from school to your first PA job can be a whirlwind experience. You’re focused on patient care, not expensive malpractice insurance. That’s why we offer low-cost malpractice coverage to new graduates. If you have graduated within the past year and you are applying for full-time coverage, you are eligible for a lower annual premium* while you are building your career.

Years in Practice PREMIUM DISCOUNT**
Year 1 80% Off
Year 2 60% Off
Year 3 40% Off
Year 4 20% Off
Year 5 Phase into full premium

On top of the new to practice discounts outlined above, you could qualify for the following:

  • 10% AAPA Member Credit – as a member of the AAPA, you will receive a 10% discount toward your personal professional liability policy**.
  • 10% Risk Management Credit – This AAPA course qualifies you for an additional 3-year, 10% discount on your policy with CM&F. Visit the AAPA’s Learning Central here to take the course, and then make sure to log it when applying for a policy at CM&F.

**Credits only apply to standard PA Full-Time/Part-Time Policies; this does not apply to Moonlighting, PA Asset Guard (aka Supplemental Policies), Tail, or free student policies.
**The discounts outlined above may differ for PAs practicing in WA until further notice.

New Graduate Physician Assistant (PA) Professional Liability Insurance Benefits

  • Coverage Options up to $2 Million per Claim
  • Full Consent to Settle Claims
  • Telemedicine/Telehealth Coverage
  • License Defense Coverage
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go - Even in Volunteer, Telehealth, Per Diem or Moonlighting Assignments

Convenient Online Application:

Get Covered In Minutes!

  • Outstanding IconQuote View coverage options and make sure the price fits your budget.
  • Outstanding IconApply Access your quote, finalize your options and purchase coverage
  • Outstanding IconDownload Access your proof of coverage to share or download, instantly.

Why Choose CM&F?

CM&F is the only professional liability insurance provider endorsed by the AAPA.

Family owned and operated since 1919, CM&F has been a trusted partner to millions of healthcare professionals over the years. Developing the very first liability insurance policy for registered nurses in 1947, and nurse practitioners in 1987, CM&F has been at the forefront of protecting their clients personal and professional livelihoods for over 100 years. CM&F continues to lead the way forward in protecting over 200 professional specialties across the healthcare industry, with a singular focus on providing superior service and innovative insurance products.

CM&F continues to invest in service and technology helping to support our clients wherever they are. Whether you need to quickly buy insurance online, access your policy documents in real-time, or discuss a coverage question over the phone, CM&F is there for you.

Get PA professional liability insurance coverage through CM&F today!

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!


Have questions about CM&F professional liability insurance policies?
View our full library of our most frequently asked questions.
What is the difference between "per occurrence" vs. "aggregate" liability limits?

Your “per occurrence,” sometimes written as “per claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).

Do I need occurrence or claims made coverage?

“Occurrence” or “claims made” refers to the type of policy coverage you’d be purchasing. This affects when you are able to report a claim on your policy.

What is a claims made policy?
You are only able to report a claim on a claims made policy while the policy is active. For instance, if you let your policy expire, and then six months later a former patient brings a lawsuit against you for an incident which occurred during the policy period, a claims made policy would no longer cover that claim (unless you purchased an Extended Reporting Endorsement, or “Tail Coverage”).

What is an occurrence policy?
An occurrence policy covers you indefinitely for incidents that occur within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active. It is essentially the same as a claims made policy with a built-in Tail.

For our Allied Health clients:
All CM&F insurance products include occurrence coverage, and so you never have to worry about purchasing tail coverage!

How quickly can I get liability insurance coverage?

If you apply for coverage online via CM&F’s secure Insured Access Portal, you can pay for and receive proof of coverage in just MINUTES! If you have the ability to pay with a credit card, we recommend applying for coverage online. Once you submit your application, you are emailed your coverage documents in minutes – No Delay, No Headache.

Your documents are also available for access 24/7 in your personal insured access portal account. Within the portal, all clients are able to download, print, or email their documents whenever needed.

If you are unable to purchase coverage online, please contact us for a paper application. We can accept applications through the mail or via fax. Please know, this can delay the receipt of your coverage documents by a few weeks due to processing and shipping time.

*Need help applying? Contact us for further instructions and assistance on accessing our Online Applications.

Are your liability insurance plans flexible and customizable to the coverage options I need?

Our insurance plans are extremely flexible. We offer full-time, part-time, moonlighting or contracting policies for almost all professionals. Your coverage follows you wherever you work, 24/7.

Do you offer new graduate discounts?

We offer new graduate discounts on physician assistant professional liability insurance coverage. If you have graduated within the last 5 years, you will automatically receive a discounted rate as you answer the applicable questions during the quoting process.

How do I transfer my existing liability policy under another company to CM&F so that there is no gap in time of coverage?

If you have an occurrence policy, you can simply purchase the CM&F professional liability insurance policy when the policy with your current insurance provider expires. When using our online application, you are able to select your coverage date at least 30 days in advance, so you don't have to worry about coming back to apply on the exact day.

If your current policy is a claims-made policy, it is best to discuss the transition options with a CM&F service professional. We will help to ensure there are no gaps in your liability insurance coverage.

Can I add additional insured?

You may add additional insured to your policy at anytime. This can be done during the application process, as well as throughout the lifetime of the policy.