Professional liability coverage built for PA practice
Physician assistants are taking on increasingly complex clinical responsibilities across medical specialties, aesthetic medicine, and urgent care settings. Whether you’re assisting in surgery, managing patients independently in a rural clinic, or performing cosmetic procedures at a med spa, you need malpractice insurance that reflects the reality of modern PA practice.
We specialize in malpractice insurance for physician assistants in all practice settings and all 50 states.
As a physician assistant, you operate with significant clinical autonomy while working under varying degrees of physician supervision depending on your state. You’re performing procedures, prescribing medications, making diagnoses, and managing complex patient cases. Each of these activities creates professional liability exposure.
Traditional insurers often lump PAs together with NPs or offer one-size-fits-all policies that don’t account for the specific procedures you perform or the supervision models you work under. We built our coverage specifically for physician assistants because we understand your scope of practice and the unique risks you face.
Our team includes healthcare providers who understand the complexities of PA practice: scope of practice variations by state, supervision requirements, and the procedural risks PAs face daily.
Enter your specialty, state, and practice details to get your personalized rate in minutes. No waiting days or weeks for a broker to manually calculate your premium.
If you need coverage immediately, we can issue your policy the same day. Stop working uninsured or relying solely on employer coverage that may not protect your interests.
Pay monthly instead of one large annual premium. This is especially important for PAs starting new positions, opening their own practices, or working multiple part-time jobs.
No hidden fees, no surprise exclusions. You’ll know exactly what you’re paying and what’s covered before you commit.
Your policy includes defense costs in addition to your coverage limits. This means legal fees don’t eat into the money available to settle or defend claims.
PA practice authority varies dramatically by state. We ensure your policy meets your state’s specific requirements and covers your actual scope of practice.
Supervision Requirements
We understand that PA supervision models vary significantly by state. Our policies accommodate:
Claims-Made vs. Occurrence Policies
Choose the policy structure that fits your career:
Claims-Made Policies are typically more affordable initially and work well if you’re planning to stay with your current employer long-term. They cover claims made during your active policy period.
Occurrence Policies cover any incident that happens during your policy period, regardless of when the claim is filed. They’re ideal if you change jobs frequently or want long-term protection without worrying about tail coverage.
Coverage Limits
Select limits based on your specialty and risk exposure:
Additional Coverage Options
Yes. Employer coverage protects the organization first, not you personally. If you’re named in a lawsuit, the employer’s attorney represents the employer’s interests, which may conflict with yours. Your own policy ensures you have independent legal representation and protects your personal assets.
You need coverage for all clinical work you do, regardless of employer. Your primary employer’s policy won’t cover moonlighting, locum tenens work, or side practice. We can structure a policy that covers all your practice locations.
Yes, as long as they’re within your state’s scope of practice and you have the proper training and credentialing. Be sure to disclose all procedures you perform when getting your quote so your policy accurately reflects your practice.
If you have a claims-made policy, you’ll need tail coverage (extended reporting endorsement) to protect work from your previous position. We offer competitive tail coverage rates. Alternatively, your new employer may provide “nose coverage” (prior acts coverage) to cover your previous work.
Most policies cover telehealth within your licensed states, but it’s important to verify. We can add telemedicine endorsements if needed and ensure you’re covered for virtual care.
Premiums vary based on specialty, state, and coverage limits. Most physician assistants pay between $1,200 and $4,500 annually. Surgical PAs and those in high-risk specialties typically pay more. Primary care and dermatology PAs often pay less.
Your policy includes defense coverage, meaning we pay for your legal representation separate from your policy limits. You’ll be assigned an experienced healthcare defense attorney, and we guide you through every step of the claims process.
Yes. New graduate PAs can get coverage immediately. Many policies offer reduced rates for new graduates in their first few years of practice.
Emergency Medicine PAs
High patient volume and acute care decisions create significant exposure. Our policies cover the fast-paced environment of emergency medicine with limits appropriate for ED work.
Surgical PAs
First assisting, surgical procedures, and post-operative care require higher coverage limits. We offer policies specifically designed for surgical specialties with appropriate limit options.
Aesthetic Medicine PAs
Cosmetic procedures and aesthetic treatments have unique risks. Our policies cover injectables, laser treatments, and body contouring with no aesthetic procedure exclusions.
Orthopedic PAs
Joint injections, casting, fracture care, and surgical assistance are covered with policies designed for orthopedic practice.
Dermatology PAs
Skin biopsies, Mohs surgery assistance, cosmetic procedures, and medical dermatology are fully covered.
Urgent Care PAs
High patient turnover and walk-in acute care create specific liability risks. Our policies are tailored for urgent care settings.
Ready to protect your NP practice?
Get an instant quote tailored to your specialty and state. Enter your information once and compare rates from A+ rated carriers. No sales pressure, no long applications, just transparent pricing and coverage you can understand.
How it works:
Trusted by over 850 physician assistants nationwide
Protect your career, your patients, and your peace of mind with malpractice insurance built specifically for nurse practitioners.
