New Hampshire Physician Assistant Malpractice Insurance
A physician assistant (PA) in New Hampshire, now titled physician associate, is licensed by the Board of Medicine and is responsible for their own medical decisions (RSA 328-D:12). State law requires PAs who actively provide care to carry professional liability insurance (RSA 328-D:18). Quote online from Manchester, Nashua or Concord and get same-day proof.
Why New Hampshire PAs Need Their Own Policy
New Hampshire is one of the few states that makes PA malpractice coverage mandatory: RSA 328-D:18 requires adequate, current and valid professional liability insurance for every physician associate actively providing care. A participating physician isn't liable just because they signed your collaboration agreement (328-D:12), so your own policy carries your defense. There's no damages cap. New Hampshire joined the PA Licensure Compact effective September 13, 2026; Maine, Massachusetts or Vermont patients still need a license or privilege there.
How much does malpractice insurance for Physician Assistants cost in New Hampshire?
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.
New Hampshire PA Laws
Coverage rule: RSA 328-D:18 requires adequate, current and valid professional liability insurance; the statute sets no dollar amount, and Manchester, Nashua and Concord employers usually ask for $1M/$3M. Damages: no statutory cap on medical injury awards. Deadline: 3 years from the act, or from when the injury was or should have been discovered (RSA 508:4), and claims need expert testimony (RSA 507-E:2).
If you have fewer than 8,000 postgraduate hours and work where no New Hampshire physician is in your group, practice or health system, you need a written collaboration agreement with a physician in a similar area of medicine (RSA 328-D:3-b). Past 8,000 hours, a Board waiver is required until January 1, 2027, when that rule ends.
New Hampshire Physician Assistant (PA) FAQs
Are New Hampshire physician assistants required to have liability insurance?
Yes, in New Hampshire. RSA 328-D:18 requires physician associates actively engaged in providing medical care to have adequate, current and valid professional liability insurance. The law sets no minimum, so employer contracts, usually $1M/$3M, decide the amount.
$1M/$3M is the usual contract minimum in New Hampshire. Since RSA 328-D:18 only says adequate, check each hospital's bylaws in Manchester, Nashua or Concord; with no damages cap, some PAs choose higher limits.
What policy limits do New Hampshire hospitals expect PAs to carry?
How much does malpractice insurance for Physician Assistants cost in New Hampshire?
In New Hampshire, 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 such as 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 and D, trauma, pain management). If practicing part-time in New Hampshire, premiums are commonly about $1012 for P1, $1317 for P2, and $1611 for P3. Premiums ultimately reflect specialty, procedures, venue, and malpractice history.
Will my clinic's malpractice insurance cover me as a New Hampshire PA?
Sometimes. In New Hampshire, an employer policy protects you only if it names you, and only for work done for that employer. Ask for a certificate showing you by name, your own limits and who pays tail.
Malpractice suits first, plus extras that vary by carrier: license defense before the New Hampshire Board of Medicine, deposition help and often HIPAA or billing-error defense. Read the declarations page for each sublimit.
What will my PA malpractice policy pay for in New Hampshire?
Does New Hampshire allow PAs to practice independently?
Often, yes. A New Hampshire PA needs a written collaboration agreement only with fewer than 8,000 postgraduate hours and no New Hampshire physician in the same group, practice or health system (RSA 328-D:3-b). PAs past 8,000 hours practicing without one need a Board waiver until January 1, 2027, when that rule ends.
Yes, within your education and experience, with a DEA registration in New Hampshire. RSA 328-D:3-b XIII also lets you prescribe Schedule II to IV drugs by telemedicine, with an in-person or video re-evaluation at least once a year.
Can a New Hampshire PA prescribe Schedule II drugs?
How many years can a patient wait to sue for malpractice in New Hampshire?
Generally 3 years from the act or omission in New Hampshire. If the injury wasn't discovered and couldn't reasonably have been, the 3 years run from discovery (RSA 508:4).
Are pain and suffering damages capped in New Hampshire malpractice cases?
No. New Hampshire has no statutory limit on noneconomic damages in medical injury cases, so limits are the main thing standing between a large verdict and your personal assets.
Is there a state excess fund that covers New Hampshire PAs?
No. New Hampshire has no patient compensation or excess fund, and no statutory cap on awards, so your own policy limits are the full protection between a verdict and your assets.
Is tail coverage required for PAs in New Hampshire?
On a claims-made policy, yes; on occurrence, never. Tail covers claims filed after the policy ends for care you already gave. In New Hampshire, claims are due 3 years from the act, or from discovery if the injury could not reasonably have been found sooner (RSA 508:4).
What is the difference between claims-made and occurrence for PAs in New Hampshire?
Occurrence covers each year's incidents permanently in New Hampshire. Claims-made costs less at first but needs tail. Because RSA 328-D:18 requires current coverage and the discovery rule can extend deadlines (RSA 508:4), arrange tail or prior acts before any gap.
Do new-grad PAs need malpractice insurance in New Hampshire?
Have coverage in place before you see patients. Your first New Hampshire employer will usually ask for proof at credentialing, and a personal occurrence policy keeps you covered if that first job ends early.
Do New Hampshire PAs need special coverage for telehealth?
It should. New Hampshire adopted the PA Licensure Compact effective September 13, 2026 (RSA 328-D:18-a), but you still need a license or compact privilege where each patient is. List telehealth and every state on your policy.
Does PA malpractice insurance cover a New Hampshire Board of Medicine complaint?
On most individual policies, yes. Board complaints are more common than lawsuits, and the New Hampshire Board of Medicine can investigate a New Hampshire PA over prescribing or documentation with no patient suing.
What happens if a New Hampshire PA practices without malpractice insurance?
You'd be out of compliance with RSA 328-D:18, part of the licensing law the Board of Medicine enforces, and any judgment would fall on your own assets because there's no cap or state fund in New Hampshire.
Will a malpractice claim show up on my record as a New Hampshire PA?
Paid claims go to the NPDB. In New Hampshire, under RSA 507-E:3, a settlement term that bars a patient from reporting to the Board is void. Tell your carrier as soon as you're named.
Can a New Hampshire PA buy malpractice insurance online?
Use the instant online quote for New Hampshire PA coverage, then send any credentialing requirements, like a certificate holder, so your proof matches what the facility asks for. Email jeff@careproinsurance.com with questions.
Do New Hampshire PAs who work in Massachusetts need both states covered?
Yes. Massachusetts licenses PAs separately and has its own rules, and New Hampshire's insurance mandate only addresses care here. Make sure your policy lists both states and each employer.
Yes, in New Hampshire. RSA 507-E:2 requires the plaintiff to prove the standard of care, breach and causation through expert testimony, and RSA 507-E:1 includes physician associates as medical care providers.
Does a New Hampshire malpractice claim need expert testimony?
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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
- Maine PA malpractice insurance
- Massachusetts PA malpractice insurance
- Vermont PA malpractice insurance
New Hampshire sources: