Physician Assistant Malpractice Insurance Cost by State (2025)

PA malpractice premiums typically range from $1,700–$2,650+ per year at common limits. Your state, specialty/procedures, claims history, and coverage limits ($1M/$3M or $2M/$4M) drive most of the variance.

Physician Assistant Malpractice Insurance Cost - Live pricing table (by state)

Use the search box to find your state. Click your state for local guidance and a quote pathway.

Note: Rates shown are examples only and each individual situation will be underwritten. Availability and pricing vary by state, specialty, carrier, and risk factors. Pricing based on claims-made coverage. Occurrence form is available as well.

This is a directional guide, not a binding quote. Your actual premium may be lower or higher depending on your specialty, procedures, practice setting, claims history, and endorsements (e.g., license/board defense, HIPAA defense, telemedicine, cyber).

What moves your price up or down

• State & venue risk: Some states see more litigation or higher severity.

• Specialty & procedures: Surgical assist, emergency/urgent care, and procedural work typically carry higher rates.

• Practice setting: Hospital vs. outpatient vs. telemedicine can change exposure.

• Claims history (loss runs): Past claims can increase premium.

• Coverage structure: Claims-made vs. occurrence, whether you need tail or can carry your retroactive date.

• Endorsements: Telehealth, regulatory/board defense, HIPAA defense, cyber, and others.

Claims-made vs. occurrence

Most PA policies are claims-made. They generally cost less up front but require you to maintain continuous coverage or purchase tail when you cancel/switch. Occurrence policies cover incidents that occurred during the policy term regardless of when reported—tail isn’t needed, but occurrence is often less available and more expensive. If you switch claims-made carriers, ask if the new carrier will honor your retroactive date (keeps your prior acts covered and can avoid buying tail).

Employer policy vs. your own policy

Employer coverage can be helpful but may leave gaps: shared limits, exclusions for moonlighting or telehealth, no board defense, and uncertainty about tail when you leave. Many PAs carry a personal policy to control limits, defense, and continuity.

Frequently asked questions

Do PAs have to carry malpractice insurance? Requirements vary by state and employer. Even when not required, most PAs choose coverage to protect themselves and meet credentialing needs.

What limits do PAs usually carry? Common benchmarks are $1,000,000/$3,000,000 and $2,000,000/$4,000,000. Hospitals or networks may specify minimums.

How much is PA malpractice insurance? Typical ranges are ~$1,700–$2,650+ per year for individual policies, but your actual price depends heavily on state, specialty, and claims history.

When do I need tail coverage? If you cancel or switch a claims-made policy and can’t preserve your retroactive date, you’ll likely need a tail to cover late-reported claims for past work.

Does a personal policy duplicate my employer’s? No—your policy can follow you across roles, protect you for side work, include board defense, and ensure you control settlement/defense.

How to use this table

1. Find your state in the table to see typical ranges at $1M/$3M and $2M/$4M.

2. Decide whether you need personal coverage in addition to any employer policy.

3. If you’re switching jobs or carriers, confirm whether your retroactive date can be preserved (to avoid tail).

4. Get a formal quote tailored to your specialty and procedures.

Ready to compare quotes?

We can help you evaluate options quickly and transparently. Check your state page (linked in the table) for local notes and next steps.

Compliance note

Rates shown are examples only. Each individual situation will be underwritten. Coverage availability and pricing may vary by state, specialty, carrier, and risk factors. Standard policy limits commonly offered are $1,000,000 per incident / $3,000,000 aggregate and $2,000,000 / $4,000,000 aggregate.