Coverage Options for Pennsylvania Physicians

Physician Liability Insurance

Pennsylvania legislation (the MCARE Act) requires physicians to maintain professional liability insurance as a condition of licensure. PMSLIC writes individual medical professional liability insurance for Pennsylvania health-care providers in compliance with the MCARE Act.

  • Claims-made policies
  • Includes coverage for administrative defense, peer review, utilization review, quality assurance and credentialing activities
  • Broad coverage with limited restrictions
  • For policies issued in 2008, physicians conducting 50% or more of their health-care business in PA carry primary limits of $500,000 per occurrence/$1.5 million annual aggregate and excess limits of coverage of $500,000 per occurrence/$1.5 million annual aggregate through the Mcare Fund
    OR
  • Physicians conducting less than 50% of their health-care business in Pennsylvania carry primary limits of $1 million per occurrence/$3 million annual aggregate.

Reporting Endorsement Coverage

  • Available upon termination of claims-made coverage
  • Required by PA law
  • Premium waived* in the event of:
    • the insured’s death, total and permanent disability or
    • retirement at age 50 or older with five or more years of continuous PMSLIC coverage

* Please note there may be a charge for the Mcare portion of the
 reporting endorsement

Prior Acts Coverage

  • Eliminates the need to purchase a Reporting Endorsement upon cancellation of claims-made coverage with another company
  • Provides coverage for claims which arise from the prior acts of the policyholder while insured with the previous claims-made carrier
  • PMSLIC coverage begins the date that the previous carrier's policy expires

Locum Tenens Coverage

  • Provided to a physician temporarily substituting on behalf of a PMSLIC policyholder
  • Written for a short period of time as a result of illness, vacation, continuing education, or similar circumstances

Professional Corporation, Association or Partnership Coverage

  • Coverage available to entities comprised of health-care providers
  • Primary limits of $500,000 per occurrence/$1.5 million annual aggregate
  • Those eligible in accordance with the MCARE Act will also receive limits of $500,000 per occurrence/$1.5 million annual aggregate for an additional charge

Group Policy

  • One policy which includes a schedule of physicians insured
  • One invoice
  • Includes corporation coverage, physician coverage, and allied health professionals coverage

Allied Health Professionals Coverage

  • Available to employees of PMSLIC-insured physicians and entities with coverage limited to activities as an employee
  • Coverage is extended under the employer’s PMSLIC policy
  • Limits of $500,000 per occurrence/$1.5 million annual aggregate for most allied health professionals
  • Limits of $1 million per occurrence/$3 million annual aggregate are available for Certified Registered Nurse Practitioners and optometrists with a glaucoma license
Products & Services
For More Information
Medical Liability Reform
Certificate of Insurance
For Defense Counsel
Loss Prevention Discount Program