Physician Assistant (PA) Malpractice Insurance

What is Physician Assistant Malpractice Insurance?

Physician assistant malpractice insurance, also known as PA professional liability insurance, is protection designed to cover court judgements and legal defense costs in the event of a malpractice claim. In essence, PA malpractice insurance acts as a shield to protect your personal assets, as well as your professional reputation. Malpractice insurance for physician assistants offers liability protection against claims associated with mistakes or negligence (whether true or false) that result in bodily injury, medical expenses, or even claims of mental anguish.

As a PA, you may have coverage from your employer, but unless YOU are the owner of your own liability policy – should a claim arise – your interest could likely be viewed as secondary to your employer’s interests in an organization’s group insurance policy. The most secure way to protect your career and personal assets, is owning your own individual physician assistant professional liability insurance.

Physician Assistant Working through Telemedicine Visit

Not having PA malpractice insurance leads to risk of personal damage to assets, career, finances

What Risks Do I Face That Warrant Malpractice Insurance for Physician Assistants?

Physician assistants are healthcare professionals who practice medicine in collaboration with or under the supervision of a doctor. Physician assistants can be responsible for many tasks, including ordering tests, interpreting test results, conducting physical examinations, or even in some states, writing prescriptions. If an accident or mistake were to occur while performing their job, PAs could find themselves at the center of a malpractice claim. Whether the incident was the PA’s fault or not, they can still be held liable. The smartest protection for physician assistants is to own a PA malpractice insurance policy – in their own name.

Do I Need Physician Assistant Malpractice Insurance?

Yes, all physician assistants should have their own malpractice insurance. Because legal judgements can threaten personal assets as well as future earnings, professional liability insurance for physician assistants is vital. The best malpractice insurance for physician assistants is a policy that is designed to protect your personal assets, as well as cover your legal expenses in the event of a medical malpractice lawsuit or claim. Relying solely on your employer’s group malpractice insurance policy to protect your personal assets from a lawsuit could still leave you exposed to financially devastating legal costs. Group policies often have “shared limits,” which means that if multiple people are named in a lawsuit, legal defense costs alone could easily exhaust the policy limits, still leaving PA’s personally responsible. Purchasing physician assistant malpractice insurance – in your name as the owner – is the best financial protection for you, your family, and your career.

Benefits of CM&F PA Malpractice Insurance Coverage

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

Will My Professional Liability Insurance Cover Telemedicine Malpractice?

Physician assistant telemedicine malpractice insurance coverage is included with all CM&F professional liability insurance options, as long as you are providing services within your scope of practice according to the relevant laws.

With telemedicine becoming more popular, better understood, and in-demand by patients, CM&F recognizes the importance of telemedicine malpractice insurance. If you purchase a physician assistant professional liability insurance policy from CM&F Group, you will be covered 24/7 no matter where you work or method of patient care delivery – virtual and/or in-person. There is no additional charge for this coverage. If you have any questions, or would like further clarification, please consult your policy details or reach out to us.

Want to know more about professional liability insurance? Visit our frequently asked questions or contact us.

PA telemedicine provider treating patient - providers should have telemedicine malpractice insurance for services

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Why Buy Physician Assistant Malpractice Insurance Coverage from CM&F?

Thousands of professionals have trusted CM&F with their careers for over a century, and it’s easy to understand why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings for financial stability.

For more than 70 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. CM&F is committed to protecting the livelihood of physician assistants across the US. CM&F’s dedicated customer service professionals will help you understand the best choices for your situation and ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of physician assistant malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance to physician assistant groups, as well as other healthcare groups, so we know first hand that should a claim arise, unless the policy is IN YOUR OWN NAME, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your individual malpractice policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered.

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What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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