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
  • Basic limits of $500,000 per occurrence/$1.5 million annual aggregate for physicians participating in Mcare
  • Primary limits of $1 million per occurrence/$3 million annual aggregate for non-Mcare participating physicians

Reporting Endorsement Coverage

The Reporting Endorsement premium will be waived* in the event of the insured’s death, the insured’s total and permanent disability, or the insured’s retirement at age 50 or older with one year of continuous PMSLIC coverage and a retro date of at least 48 months preceding retirement.

*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

Healthcare Extender Coverage

  • Available to certain non-physician healthcare extender 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 healthcare extenders
  • Limits of $1 million per occurrence/$3 million annual aggregate are available for Certified Registered Nurse Practitioners, Physician Assistants and optometrists with a glaucoma license

Employee Shared Limits Coverage

  • Available to PMSLIC-insured physicians and entities that wish to provide coverage to employed ancillary healthcare providers such as medical assistants, technicians and nurses.
  • Coverage is extended under the employer’s PMSLIC policy
  • Shared Limit of $500,000 per occurrence/$1.5 million annual aggregate are provided
  • Limits are on a shared limits basis and separate from the employers limit of liability
Products & Services
For More Information
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Certificate of Insurance
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