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Malpractice Insurance for Physician Assistants
Clinicians are demanded a complex level of responsibility. The nature of a collaborative practice unites midlevel providers and physicians not only in patient care, but also in any legal process that may develop as an outcome. Currently, “Litigation against physicians and non-physician clinicians (NPCs) is increasing. Claim settlements are in the millions of dollars in the aggregate for [physician assistants] PAs and [nurse practitioners] NPs” (Paterick, 2014, p. 310). PAs are at constant risk of liability; therefore, it is crucial to understand the importance of having a personal malpractice insurance and the different types of policies available.
NPC’s work in collaboration with supervising physicians to evaluate and treat patients. Unfortunately, when mistakes occur and a patient is harmed, both the physician and the PA may be liable for actions or errors of others. Controversy exists “regarding how PAs' malpractice litigation risk compares with that of physicians and to what extent doctors' risk of malpractice litigation is affected by supervising PAs” (Ledges, Victoroff & Ginde, 2011, p. 35). The liability that a party holds for the actions or conduct of an associate based on the relationship of two parties is known as vicarious liability (Moses & Jones, 2011). Due to …show more content…
The two main types of coverage are occurrence and claims made. According to Dembrow (2007), “Occurrence covers any incident during the life of the policy, even if the suit is filed long after the policy has expired, while claims-made covers only lawsuits brought while the policy is in force” (p. 12). Because occurrence covers an incident indefinitely, it is consider a more comprehensive policy. On the other hand, due to the gaps in coverage with a claims-made policy, it is recommended to obtain a supplemental policy to provide protection if a suit is filed

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