Connecticut Physician Assistant Malpractice Insurance
Connecticut has no cap on malpractice damages, so a physician assistant (PA) here relies entirely on policy limits. The state requires physicians to carry $500,000/$1.5 million (Conn. Gen. Stat. 20-11b) but sets no PA requirement; hospitals and groups do. PAs practice under a supervising physician and a written delegation agreement. Quote online from Bridgeport, Stamford or New Haven and get same-day proof.
Why Connecticut PAs Need Their Own Policy
With no damage cap and no state fund, the size of a Connecticut verdict is limited only by the evidence, and the supervising physician's policy is written to protect the physician. Schedule II and III orders need the physician's documented approval in the chart (20-12d), a record plaintiffs will read closely. Since Oct. 1, 2023, PA noncompetes are capped at 1 year and 15 miles (20-12k), so job changes are easier; a personal policy and tail keep coverage continuous.
How much does malpractice insurance for Physician Assistants cost in Connecticut?
Costs are based on specialties as well as full vs part- time hours:
Average $1M/$3M Coverage Premium - Part Time (less than 24 hours/week):
$1,012 - P1 (lower-risk outpatient specialties like family practice or dermatology)
$1,317 - P2 (hospital ER, urgent care, OR work under 10 hours/week)
$1,611 - P3 (surgical or OB/GYN without L&D, trauma, pain management)
Average $1M/$3M Coverage Premium - Full Time (greater than 24 hours/week):
$1,523 - P1 (lower-risk outpatient specialties like family practice or dermatology)
$1,988 - P2 (hospital ER, urgent care, OR work under 10 hours/week)
$2,426 - P3 (surgical or OB/GYN without L&D, trauma, pain management)
Sample rates only. Premium will be underwritten for your exact situation when using our Instant Online Quote portal.
Physician Assistant Insurance cost varies depending on:
* Scope of services provided
* Claims-made vs. occurrence form
* Policy limits (standard limits are $1/$3M, but $100k/$300k, $250k/$500k, $500k/$1M and $2M/$4M limits available
* Prior claims history
**Note:** Rates will be underwritten for your exact situation.
Connecticut PA Practice Rules
Coverage rule: no Connecticut statute requires PA malpractice insurance; the 20-11b mandate ($500,000/$1.5M) covers physicians only. Hospitals and groups set PA limits, usually $1M/$3M. Damages: no cap on economic or noneconomic damages, and no patient compensation fund. Deadline: 2 years from discovery, 3-year outer limit (52-584), plus an automatic 90-day extension for the good-faith inquiry (52-190a). Mediation is mandatory (52-190c).
Connecticut PAs need a clearly identified supervising physician who keeps final responsibility for patient care (Conn. Gen. Stat. 20-12c). The written delegation agreement must list services, how controlled substance prescribing is documented, and how often the physician reviews your practice, and it is reviewed at least annually (20-12d). There is no numeric ratio since 2018; supervision must be active and direct.
Connecticut Physician Assistant (PA) FAQs
Do I need my own malpractice policy as a PA in Connecticut?
Not by statute. Conn. Gen. Stat. 20-11b requires coverage for licensed physicians who provide direct patient care, and no matching provision exists for PAs in 20-12a to 20-12k. Connecticut hospitals and groups require it as a condition of privileges or employment.
Usually $1M per claim / $3M aggregate, set by hospital bylaws and employment contracts. Because Connecticut has no damage cap, some surgical and emergency groups ask for higher limits; check your contract before you bind.
What malpractice limits should a Connecticut PA carry?
How much does malpractice insurance for Physician Assistants cost in Connecticut?
In Connecticut, Physician Assistant malpractice coverage can start as low as $972 annually for $100,000/$300,000 limits. Full-time coverage at the standard $1M/$3M level often averages $1523 for P1 (lower-risk outpatient specialties like family practice or dermatology), $1988 for P2 (hospital ER, urgent care, OR work under 10 hours/week), and $2426 for P3 (surgical or OB/GYN without L&D, trauma, pain management). Part-time Physician Assistants in Connecticut usually see lower rates, averaging $1012, $1317, and $1611 across the same P1P3 tiers. Premiums ultimately reflect specialty, procedures, venue, and malpractice history.
Does my employer's malpractice policy cover me as a PA in Connecticut?
It can be enough if it names you individually with your own limits and the tail terms are in writing. If either is missing, Connecticut PAs usually add an individual policy.
Defense costs and damages for professional negligence. It does not cover intentional acts, crimes or premises claims like falls, so Connecticut PAs should list every site and service they provide.
What does PA malpractice insurance cover in Connecticut?
Can a Connecticut PA work without a supervising or collaborating physician?
No. Connecticut PAs need a clearly identified supervising physician who keeps final responsibility for patient care (Conn. Gen. Stat. 20-12c). Your written delegation agreement lists your services, controlled-substance documentation and how often the physician reviews your practice, and it is reviewed at least annually (20-12d). There has been no numeric ratio since 2018.
Yes, as delegated. In Connecticut, you may prescribe Schedule IV and V in all settings, renew II through V, and prescribe II and III if the supervising physician documents approval of each order in the record as the agreement specifies (20-12d). Review the CPMRS before prescribing more than a 72-hour supply (21a-254).
Can PAs prescribe controlled substances in Connecticut?
How long does a patient have to sue a PA for malpractice in Connecticut?
Two years from when the injury is discovered, and no more than 3 years from the act, in Connecticut (Conn. Gen. Stat. 52-584). An automatic 90-day extension is available so the plaintiff's lawyer can get a good-faith opinion from a similar health care provider (52-190a).
Does Connecticut cap malpractice damages?
No. Connecticut has no statutory cap on economic or noneconomic malpractice damages and no patient compensation fund, so your policy limits are the main ceiling on what you can be asked to pay. Hospitals and groups usually require $1M/$3M, and PAs in high-severity specialties often look at higher limits.
Does Connecticut have a patient compensation fund for PAs?
No, not in Connecticut. There is no state fund paying above a provider's limits and no statutory damage cap. The only check is judicial: when a jury awards more than $1 million in noneconomic damages against a health care provider, the court must review whether the amount shocks the sense of justice and may order a remittitur (52-228c).
Does a Connecticut PA need tail coverage after leaving a job?
On claims-made, yes. Connecticut claims must generally be filed within 2 years of discovery and no more than 3 years after the act (52-584), plus the 90-day extension. Buy tail or prior acts so the last 3 years of care stay covered.
Should a PA in Connecticut buy claims-made or occurrence coverage?
Occurrence covers each year's incidents permanently. Claims-made costs less early but requires tail. Because Connecticut has no damage cap, choose limits first, then the form; a higher limit matters more here than in capped states.
How should a new graduate PA in Connecticut set up malpractice coverage?
A temporary permit lets you practice for up to 120 days after graduation only where the supervising physician is on site, and without prescribing in Connecticut (20-12b). Bind coverage the day you start, and sign a delegation agreement before taking patients.
Am I covered for telemedicine as a PA in Connecticut?
Coverage follows the policy territory, not the Compact. With Connecticut in the Compact since 2025, confirm the policy covers each state where you hold a license or privilege, and that your delegation agreement covers virtual visits.
Do Connecticut PAs need license protection coverage?
Often, but not always on group plans. If the Connecticut Medical Examining Board sends you a complaint letter, call your carrier before you answer it; license defense coverage pays the attorney who prepares your response.
What happens if a Connecticut PA practices without malpractice insurance?
No statute bars it, but hospitals won't credential you, and with no damage cap a judgment could exceed anything a personal policy would have paid in Connecticut. The supervising physician's carrier defends the physician, not you.
Do malpractice settlements get reported to the Connecticut PA licensing board?
Payments are reported to the National Practitioner Data Bank under 45 CFR 60.7. Separately, Connecticut hospitals must notify DPH within 15 days when they terminate or restrict a PA's privileges (20-12e), which can start a board review.
How fast can a PA get malpractice insurance in Connecticut?
Yes. Get an instant online quote, pick limits and occurrence or claims-made, and apply online; most Connecticut PAs receive proof of coverage the same day.
Does Connecticut's physician malpractice insurance mandate apply to PAs?
No. The $500,000 per occurrence and $1.5 million aggregate rule in Conn. Gen. Stat. 20-11b covers licensed physicians, not PAs. Connecticut hospitals and groups still ask PAs for proof of coverage, usually at $1M/$3M, so most PAs carry a policy anyway.
You may perform only functions within the supervising physician's license, competence and actual practice (20-12d), so aesthetic work under a physician outside that field is exposed in Connecticut. List injectables and lasers by name on the policy.
Do PAs working in med spas need different malpractice insurance in Connecticut?
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Helpful Links:
- Physician assistant (PA) insurance guide
- PA malpractice insurance cost by state
- Instant PA insurance quotes
- Am I covered under my supervising physician's policy?
- Tail coverage for physician assistants
- Claims-made vs occurrence for PAs
- New York PA malpractice insurance
- Massachusetts PA malpractice insurance
- Rhode Island PA malpractice insurance
Connecticut sources:
- DPH: physician assistant licensure
- Conn. Gen. Stat. ch. 370 (20-12a to 20-12k)
- Conn. Gen. Stat. 20-11b (physician insurance)
- Conn. Gen. Stat. 20-12l (PA Compact, 2026 supplement)
- Conn. Gen. Stat. 52-584 (filing deadline)
- Conn. Gen. Stat. 52-190a (good-faith certificate)
- Conn. Gen. Stat. 21a-254 (CPMRS review)
- Conn. Gen. Stat. 19a-17m (insurance purchase program)