Kansas Physician Assistant Malpractice Insurance
Kansas is one of the few states where a physician assistant (PA) must carry malpractice insurance to hold an active license: $500,000 per claim and $1.5 million a year, plus the Health Care Stabilization Fund surcharge (K.S.A. 40-3402, 40-3404). The State Board of Healing Arts checks proof at each annual renewal. Quote online from Wichita, Overland Park or Topeka and get same-day proof.
Physician Assistants Need Tailored Liability Insurance
Kansas
Why
Your Fund election sets your real limit. On top of the $500,000/$1.5 million basic policy, the Fund pays either $500,000/$1.5 million or $1.5 million/$4.5 million more for care given on or after January 1, 2022 (K.S.A. 40-3403(l)). On January 1, 2027, HB 2702 lets PAs with 4,000 postgraduate hours collaborate instead of being supervised and makes each PA responsible for the care they give. Treating Missouri patients by video? Each state needs its own license.
How much does malpractice insurance for Physician Assistants cost in Kansas?
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.
Kansas
Physician Assistant Specific Laws and Regulations
Coverage rule: an active Kansas PA license requires $500,000/$1.5 million basic coverage from an approved insurer plus the Fund surcharge, proved at each renewal (K.S.A. 40-3402, 65-28a03). The Fund pays above that basic layer. Damages: wrongful-death nonpecuniary cap $250,000 (60-1903); the injury cap's status is unsettled. Deadline: 2 years, 4-year repose (60-513).
Through 2026, Kansas PAs practice under a supervising physician, with an active practice request form and a written agreement on file with the Board (K.S.A. 65-28a08, K.A.R. 100-28a-10). From January 1, 2027, PAs with 4,000 or more postgraduate hours and no discipline may collaborate under a practice agreement kept at the practice site (HB 2702).
Kansas
Physician Assistant Frequently Asked Questions
Do physician assistants (PAs) in Kansas need malpractice insurance?
Yes. Each PA with an active Kansas license must keep at least $500,000 per claim and $1.5 million aggregate from an approved insurer and pay the Health Care Stabilization Fund surcharge (K.S.A. 40-3402, 40-3404). The Board requires proof before it renews your license (65-28a03).
The basic policy must be at least $500,000/$1.5 million. You then elect Fund coverage of $500,000/$1.5 million or $1.5 million/$4.5 million above it (40-3403(l)), so total protection is $1M/$3M or $2M/$6M. Many employers say which option to choose.
What limits do Kansas PAs carry?
How much does malpractice insurance for Physician Assistants cost in Kansas?
Physician Assistants in Kansas often see premiums starting near $972 annually for basic $100,000/$300,000 coverage. At the more common $1,000,000/$3,000,000 limits, average annual premiums are roughly $1523 for Tier P1 (behavioral health, pediatrics, family practice, dermatology), $1988 for Tier P2 (ER, urgent care, surgical centers or OR work <10 hours/week), and $2426 for Tier P3 (OB/GYN without labor & delivery, trauma, pain management, higher-risk surgical). Part-time Physician Assistants in Kansas usually see lower rates, averaging $1012, $1317, and $1611 across the same P1P3 tiers. Final premiums vary by specialty, procedures, hours worked, and individual claims history.
Does Kansas have a PA excess fund?
Yes. The Health Care Stabilization Fund pays judgments and settlements above your basic coverage, up to the option you elect. It's paid for by a surcharge your carrier collects, and you can lower your option at renewal but not raise it without approval (K.S.A. 40-3403).
The Kansas State Board of Healing Arts, under the physician assistant licensure act (K.S.A. 65-28a01 et seq.). Active licenses renew every year, with proof of continuing education, malpractice coverage and the Fund surcharge.
Who licenses physician assistants in Kansas?
Can Kansas PAs prescribe controlled substances?
Yes, when your supervising physician authorizes it in a written agreement; your authority can't exceed that physician's usual prescribing, and you need DEA registration (K.S.A. 65-28a08). From 2027, HB 2702 lets PAs prescribe Schedule II to V drugs under the CSA and DEA.
PAs are defined health care providers in K.S.A. 40-3401(f), so you must buy basic coverage, pay the surcharge and elect a Fund option. In return the Fund covers losses above your policy up to that option. PAs who practice only in federal service are excluded.
What does the Health Care Stabilization Fund mean for a Kansas PA?
Does Kansas PA coverage include telehealth?
It should. Kansas enacted the PA Licensure Compact in 2025 (K.S.A. 65-28a17, HB 2069), but privileges depend on the Compact Commission's rollout. Until then you need a license where each patient is, and your policy should list every state.
Do Kansas PAs who live in Missouri need Kansas coverage?
Yes, if you hold an active Kansas license and treat patients in Kansas. A nonresident PA must keep the same continuous coverage, which can come from a carrier that has filed the state's form, and pays the Fund surcharge directly to the Fund (K.S.A. 40-3402(b)).
What happens if a Physician Assistant in Kansas practices without malpractice insurance?
You can't keep an active license. Kansas makes basic coverage a condition of active licensure (K.S.A. 40-3402), and the Board won't renew without proof of coverage and the surcharge (65-28a03). The Fund also isn't obligated for claims against nonresident providers who haven't complied (40-3403(c)).
Are malpractice claims against Physician Assistants reportable to the state board in Kansas?
Yes. A medical liability judgment, award or settlement tied to conduct that would be grounds for discipline can itself be grounds, and failing to report one to the Board is a separate ground (K.S.A. 65-28a05). Your supervising physician must report related litigation within 10 days (K.A.R. 100-28a-10).
Do Physician Assistants in Kansas need higher limits for med spa or aesthetic procedures?
Possibly. You can only perform acts your supervising physician delegates that are within that physician's competence and customary practice (K.A.R. 100-28a-10). Aesthetic work should be listed on your policy, and the higher Fund option is worth considering.
Does malpractice insurance for Physician Assistants in Kansas cover telemedicine?
Kansas allows supervision without the physician present (K.S.A. 65-28a02), so remote care is common. Coverage is a policy question: confirm telehealth is listed and that each patient's state is covered, since out-of-state care needs a license there.
Do supervising or collaborating physicians in Kansas share liability for a Physician Assistants services?
Today the supervising physician accepts responsibility for your services (K.S.A. 65-28a02). From January 1, 2027, HB 2702 says each PA is responsible for the care they provide, so your own policy and Fund election matter more.
What does HB 2702 change for Kansas PAs in 2027?
Starting January 1, 2027, a PA who attests to 4,000 postgraduate clinical hours and has no license discipline may practice in collaboration with a physician or group under a practice agreement kept at the site. PAs with fewer hours stay supervised (2026 Kan. Sess. Laws ch. 36).
What if a Kansas PA loses a collaborating physician after 2027?
Under HB 2702, a PA without discipline may keep practicing up to 180 days, with Board approval, while referring patients who need care beyond their training. The Board can grant one more 180-day extension. Tell your carrier about changes to your practice agreement.
What are the supervision rules for Kansas PAs now?
Your supervising physician reviews and signs all of your charts within 7 days for the first 30 days, then documents a review at least once a year, and must arrange a substitute when unavailable (K.A.R. 100-28a-10). Physical presence isn't required (K.S.A. 65-28a02).
Does Kansas cap damages against PAs?
K.S.A. 60-19a02 lists a $350,000 noneconomic cap for injuries accruing after July 1, 2022, but Hilburn v. Enerpipe (Kan. 2019) held it facially unconstitutional, and its effect in malpractice cases is disputed. Nonpecuniary wrongful-death damages are capped at $250,000 (60-1903).
How long can a patient wait to sue a Kansas PA?
Two years, starting when the injury becomes reasonably ascertainable, but no more than 4 years after the act (K.S.A. 60-513(a)(7), (c)). Minors generally get one year after turning 18, up to 8 years after the act (60-515). Claims-made policies need tail coverage for that window.
Higher Fund options took effect for care on or after January 1, 2022 (K.S.A. 40-3403(l)). Kansas enacted the PA Licensure Compact in 2025 (HB 2069) and HB 2702, signed April 3, 2026, which creates collaborative practice and the physician associate title from 2027.
What changed for Kansas PAs from 2022 to 2026?
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