Understanding medical liability insurance is crucial to ensuring that you have adequate coverage, that you are not paying for excessive coverage and that you do not create gaps in coverage if you change jobs.
Most health care providers have professional liability insurance. Even if your state doesn’t require it, most hospitals require it in order to get privileges. Make sure that you have coverage in place when you start work. These resources will help you to understand its complexities and obtain appropriate coverage.
Risky Business – malpractice insurance basics
This primer explains the basics of medical liability coverage – whether you need your own policy or can be insured by your employer, how limits of coverage are established, how premiums are priced, how “claims made” and “occurrence” policies differ, and who needs “tail” coverage.
Purchase insurance through AAPA
Trusted, quality, AAPA-endorsed malpractice coverage available to AAPA members in all 50 states and the District of Columbia.
Answers About Insurance
Articles addressing common questions about:
Most health care providers have professional liability insurance. Even if your state doesn’t require it, most hospitals require it in order to get privileges. Make sure that you have coverage in place when you start work. These resources will help you to understand its complexities and obtain appropriate coverage.
Risky Business – malpractice insurance basics
This primer explains the basics of medical liability coverage – whether you need your own policy or can be insured by your employer, how limits of coverage are established, how premiums are priced, how “claims made” and “occurrence” policies differ, and who needs “tail” coverage.
Purchase insurance through AAPA
Trusted, quality, AAPA-endorsed malpractice coverage available to AAPA members in all 50 states and the District of Columbia.
Answers About Insurance
Articles addressing common questions about:
- Insurance and changing jobs
- Tail coverage
- Your own policy vs. the employer’s plan
- Understanding “limits of liability”
- Basic parts of a policy – “DICE”
- Communication and malpractice risk
National Practitioner Data Bank (NPDB)
NPDB data show that PAs have a very low incidence of paid malpractice claims. PAs are reported to the National Practitioner Data Bank when malpractice payments are made in their names, whether cases were settled or adjudicated. If a PA disagrees with a decision to settle or wishes to dispute a payment made, the NPDB has systems in place for disputes and statements.
Online risk management course – reduce your premiums!
- AAPA-sponsored CME
- Earn up to 9 credits of Category 1
- Receive a discount on AAPA-endorsed professional liability insurance
