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What Coverage Do You Actually Need?

Answer 6 quick questions and get a personalized coverage recommendation based on your career stage, specialty, and practice setting.

What best describes your current career stage?

Your stage determines the type and amount of coverage you need.

  • PA Student

    Currently in a PA program, about to start or in clinical rotations.

  • New Graduate / Newly Certified

    Graduated within the last 2 years, starting your first PA position.

  • Employed PA (W-2)

    Working for a hospital, clinic, or practice as a W-2 employee.

  • Independent / Own Practice

    Self-employed, 1099 contractor, locum tenens, or running your own clinic.

What is your primary PA specialty?

Different specialties carry different risk profiles and coverage needs.

  • Primary Care / Family Medicine / Internal Medicine

    General primary care, chronic disease management, acute visits.

  • Surgical / First Assist

    Surgical first assist, orthopedics, cardiothoracic, neurosurgery, or other surgical subspecialties.

  • Emergency Medicine / Urgent Care / Hospitalist

    ER, urgent care, hospital settings, fast-track, high-acuity decision-making.

  • Other (Derm, Psych, OB/GYN, Aesthetics, Peds)

    Dermatology, psychiatry, women's health, aesthetics/MedSpa, pediatrics, or other specialty.

Does your employer provide malpractice coverage?

This is a critical factor in deciding whether you need your own policy.

  • Yes, my employer covers me

    My employer provides a group professional liability policy that includes me.

  • I'm not sure

    I think I'm covered but I haven't verified the details or seen the policy.

  • No / I'm self-employed

    My employer doesn't provide it, or I'm an independent/1099 contractor.

Do you practice telehealth or across state lines?

Cross-state practice creates additional coverage considerations.

  • Yes, I provide telehealth services

    I see patients virtually, potentially across state lines.

  • Not yet, but I'm planning to

    I'm considering adding telehealth to my practice in the near future.

  • No, in-person only

    I only see patients in person at one location in one state.

Do you do any side work or moonlighting?

Moonlighting, locum tenens, and volunteer work are often not covered by employer policies.

  • Yes, I moonlight or do locum/contract work

    I work per diem, PRN shifts, locum tenens, or contract at other facilities.

  • I do volunteer or community health work

    Free clinics, community health events, mission trips, or pro bono care.

  • No, just my primary position

    I only work at one job and don't do outside clinical work.

Do you know the difference between claims-made and occurrence policies?

Understanding your policy type is essential to avoiding dangerous coverage gaps.

  • Yes, I understand the difference

    I know how claims-made and occurrence policies work and their implications.

  • I've heard of them but I'm fuzzy on the details

    I know there are different types but couldn't confidently explain the difference.

  • No, this is all new to me

    I haven't learned about policy types yet.

Your Coverage Recommendation

Based on your answers, here's what we recommend for your situation.

Your Risk Level

Your Next Steps

    Read the Insurance Basics Guide
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