Mandatory insurance in Pennsylvania
Physicians and surgeons who practice in Pennsylvania are required by law (Act 13 of 2002) to have professional liability insurance as a condition of licensure.
Limits Required
- For policies issued in 2006 and 2007, Pennsylvania law requires physicians and surgeons who are "Participating Health-care Providers" to carry:
- Basic limits of $500,000 per occurrence/$1.5 million per annual aggregate, and
- Excess limits of $500,000 per occurrence/$1.5 million per annual aggregate provided by the Medical Care Availability and Reduction of Error (MCARE) Fund.
Participating Health-care Provider is defined as a health-care provider that conducts
50% or more of its health-care business or practice within Pennsylvania or a non-participating health-care provider who chooses to participate in the Fund.
Non-participating Health-care Providers are required by Pennsylvania law to carry basic limits of $1 million per occurrence/$3 million per annual aggregate.
Non-participating Health-care Provider
is defined in the Act as a health-care provider that
conducts less than 50% of its health-care business or practice within Pennsylvania.
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