The Physician Assistant will generally work under the insurance policy provided as a part of the compensation package, by the health care facility or employing physician. The PA is named as a member under the Physician or group policy (a “rider”). If the PA is covered by a practice-supplied malpractice policy this generally does not cover situations whereby the PA “moonlights” for another facility or physician.
There are two overall types of liability coverage: claims-made and occurrence. Claims-made covers only lawsuits brought while the policy is active. With such policy, one would need a supplemental policy to remain protected if a suit is filed after the policy is no longer active. This supplement is called and “extended reporting endorsement” commonly known as a “tail” coverage. Occurrence on the other hand, covers any incident that happens during the life of the policy, even if the suit is filed long after the policy has expired.
A Physician Assistant may carry their own personal malpractice in addition to that supplied by the employer.