Indiana Physician Assistant Malpractice Insurance
A physician assistant (PA) in Indiana is licensed by the Medical Licensing Board with its Physician Assistant Committee and practices under a written collaborative agreement the physician submits to the board (IC 25-27.5-5-2). PAs are health care providers under Indiana's Medical Malpractice Act, so qualification decides whether the damage cap protects you. Quote online from Indianapolis, Fort Wayne or Evansville and get same-day proof.
Physician Assistants Need Tailored Liability Insurance
Indiana
Why
To be a qualified provider, your insurer files proof with the Department of Insurance of at least $500,000 per occurrence and $1.5 million aggregate, and the Patient's Compensation Fund surcharge is paid (IC 34-18-3-2, 34-18-4-1). Then your share of any claim from after June 30, 2019 stops at $500,000, the Fund pays the rest, and the total is capped at $1.8 million (34-18-14-3). Seeing Illinois or Ohio patients by video? Each state needs its own license.
How much does malpractice insurance for Physician Assistants cost in Indiana?
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.
Indiana
Physician Assistant Specific Laws and Regulations
Coverage rule: no statute orders every PA to carry insurance, but Medical Malpractice Act protection requires qualification: $500,000/$1.5M filed with the Department of Insurance plus the Fund surcharge (IC 34-18-3-2; 34-18-4-1). Damages: total cap $1.8M; provider share $500,000 (34-18-14-3). Deadline: 2 years from the act; under age 6 until the 8th birthday (34-18-7-1).
Indiana PAs practice in a dependent relationship with a collaborating physician under a written agreement listing delegated tasks, emergency procedures and the prescribing protocol, submitted to the board (IC 25-27.5-5-2). The physician reviews charts within 10 business days and may collaborate with no more than 4 PAs at a time (25-27.5-6-1, 6-2).
Indiana
Physician Assistant Frequently Asked Questions
Do physician assistants (PAs) in Indiana need malpractice insurance?
No statute orders every PA to buy a policy, but to get the Medical Malpractice Act's cap and Patient's Compensation Fund protection you must be qualified: proof of $500,000 per occurrence and $1.5 million aggregate filed with the Department of Insurance, plus the surcharge (IC 34-18-3-2, 34-18-4-1).
The qualification minimum for acts after June 30, 2019 is $500,000 per occurrence and $1.5 million aggregate, and many Indiana contracts are built around it. A qualified provider's liability stops at $500,000 per claim and the Fund pays the rest up to the $1.8 million cap (IC 34-18-14-3).
What limits do Indiana PAs carry?
How much does malpractice insurance for Physician Assistants cost in Indiana?
For Indiana, malpractice insurance for Physician Assistants can be priced from about $972 per year at entry-level $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 work in Indiana often brings reduced premiums, roughly $1012 for Tier P1, $1317 for Tier P2, and $1611 for Tier P3. Final premiums vary by specialty, procedures, hours worked, and individual claims history.
Does Indiana have a PA excess fund?
Yes. The Patient's Compensation Fund pays the part of a judgment or settlement above all qualified providers' liability, up to the total cap (IC 34-18-14-3(c)). It's funded by an annual surcharge on qualified providers, at least $100 (34-18-5-2), and run by the Department of Insurance.
The Medical Licensing Board of Indiana, with its Physician Assistant Committee, through the Professional Licensing Agency under IC 25-27.5. The collaborating physician submits your collaborative agreement to the board, and amendments must be resubmitted (25-27.5-5-2(f)).
Who licenses physician assistants in Indiana?
Can Indiana PAs prescribe controlled substances?
Yes, to the extent your collaborating physician delegates, except Schedule I (IC 25-27.5-5-4). You need an accredited program's pharmacology training, Indiana controlled substance and DEA registrations, and INSPECT access. PAs can't administer general or regional anesthesia or deep sedation.
Yes. Ask whether your insurer has filed proof of financial responsibility for you and the surcharge is paid. An employer's filing can cover employees acting in the course of employment (IC 34-18-4-1), so confirm in writing which applies before you rely on it.
Should an Indiana PA ask about the Patient's Compensation Fund?
Do Indiana anesthesiologist assistants (AAs) need coverage?
AAs, like PAs, are listed health care providers under Indiana's Medical Malpractice Act (IC 34-18-2-14), so the same qualification rules decide whether the cap and Fund protect them. Anesthesia groups may not name you; ask, or buy your own qualified policy.
Does Indiana's damage cap protect PAs?
Only if you're qualified. For acts after June 30, 2019, total recovery is capped at $1.8 million and a qualified provider pays no more than $500,000 (IC 34-18-14-3). An unqualified PA is outside the Act's limits and could face the full verdict.
What happens if a Physician Assistant in Indiana practices without malpractice insurance?
You wouldn't be a qualified provider, so the cap, the $500,000 provider limit and the Fund wouldn't protect you, and hospitals won't credential you. Any judgment would fall on your own assets.
Are malpractice claims against Physician Assistants reportable to the state board in Indiana?
Proposed complaints against qualified providers are filed with the Department of Insurance, which keeps malpractice records, and payments go to the NPDB. A PA or physician who violates the collaborative agreement can be disciplined under IC 25-1-9 (25-27.5-5-2(g)).
Do Physician Assistants in Indiana need higher limits for med spa or aesthetic procedures?
Possibly. Your agreement must list every delegated task, and you can't give moderate sedation for procedures unless a physician is present and you hold ACLS (IC 25-27.5-5-4(f)). List aesthetic work on the policy.
Does malpractice insurance for Physician Assistants in Indiana cover telemedicine?
Only where you're authorized. Indiana isn't a PA Licensure Compact member, so treating patients in Illinois, Ohio, Michigan or Kentucky needs a license there. Confirm the policy covers telehealth and lists each state.
Do supervising or collaborating physicians in Indiana share liability for a Physician Assistants services?
Indiana puts legal responsibility for your patient care on the collaborating physician, even when a facility employs you (IC 25-27.5-6-7). You're still a health care provider under the Malpractice Act (34-18-2-14) and can be named, so carry your own qualified policy.
How many PAs can an Indiana physician collaborate with?
No more than 4 at the same time, though a physician may sign agreements with more than 4 (IC 25-27.5-6-2). Collaboration must be continuous but doesn't require the physician on site (25-27.5-6-1(a)).
How much chart review does Indiana require?
In your first year with prescriptive authority, the physician reviews at least 10% of charts with prescriptions within 10 business days. After that, the agreement sets the percentage. In-home wellness and screening visits get 14 business days (IC 25-27.5-6-1).
What is Indiana's medical review panel?
A claim against a qualified provider can't go to court until the proposed complaint is presented to a medical review panel and the panel gives an opinion (IC 34-18-8-4). Claims of $15,000 or less can skip the panel (34-18-8-6).
Do Indiana PAs need tail coverage when they change jobs?
On claims-made, yes. Claims must be filed within 2 years of the act, and a child under 6 has until age 8 (IC 34-18-7-1). Because the deadline runs from the act, tail and the Fund's qualification both need to cover the full period.
Claims-made or occurrence for an Indiana PA?
Occurrence covers each year's incidents permanently. Claims-made starts cheaper but needs tail when you leave. Either way, confirm the insurer has filed proof of financial responsibility with the Department of Insurance for every period you want the cap and Fund to protect.
P.L. 190-2023 last amended the chart-review section, which now gives in-home wellness and screening encounters a 14-business-day review window (IC 25-27.5-6-1(d)). The 4-PA limit and the $500,000/$1.8 million caps weren't changed, and Indiana hasn't joined the PA Licensure Compact.
What changed for Indiana PAs from 2023 to 2026?
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