Professional Casualty Association (PCA) is a reciprocal insurance association formed in 2003 to protect physicians against loss due to legal liability posed by the threat of medical malpractice. We offer healthcare professionals a range of medical malpractice insurance options. A leader in the medical liability insurance industry, PCA is focused on physicians and prioritizes the reduction of risk thereby reducing the potential of receiving claims.
PCA provides medical professional liability insurance consisting of Occurrence, Claims-made, and Tail policies to its subscribers (“policyholders”).
We offer healthcare professionals a range of medical malpractice insurance options. From occurrence coverage to claims-made coverage. We can match your practice with the perfect plan based on the unique aspects of your practice.
Below is a list of coverages we offer:
- Occurrence Coverage
- Occurrence-Plus Coverage
- Claims-Made Coverage
- Prior Acts Coverage
- Tail Coverage
- Stand Alone Tail Coverage
Want to switch plans? No need to tail out and start again. We can always transition you from your claims made policy into an occurrence policy, thus providing you long term protection, without the burden of buying an extended reporting endorsement.
An occurrence policy covers alleged acts of negligence that occurred while the policy was in effect. PCA is proud to offer physicians this popular type of malpractice insurance. The advantage of this policy is that even after you no longer have the policy, you are still covered for any events that occurred while it was in force.
Prior Acts Coverage
This coverage allows you to move from another company to PCA without tailing out.
Prior acts coverage provides coverage for malpractice claims that arise from the retroactive date on your claims-made policy, until the expiration date of that policy.
Claims-made coverage provides protection for claims that occur and are reported while the policy is in effect. Claims must be reported to PCA in writing by the insured within the conditions of a claims-made policy. An extended reporting endorsement (Tail coverage) is available and will provide coverage for the claims that occur during the coverage period, but reported after the policy terminates.
Claims Made Conversion
PCA also offers Claims Made Conversion coverage which combines claims made coverage and Tail coverage onto one policy.
Our Claims Made Conversion Product enables those Claims Made policyholders who are so inclined, to convert their coverage over to an Occurrence form basis. With the existing Claims Made policy in place for three consecutive years, the normally calculated Tail premium is collected over the three years, split into three installments. At the end of that three year period, a Tail policy would be issued to the policyholder and an Occurrence policy would be issued at the beginning of year four. However, in the event a policyholder becomes eligible for a waiver due to disability or death (or technically retirement), then no future installments will be due.
Needed when leaving a claims-made policy, changing claims-made carriers, at the time of retirement, or due to death or total disability
- Tail coverage is purchased from the insured's present claims-made carrier in order to cover claims that are reported after you have stopped your claims made policy. Tail coverage is also known as extended reporting endorsement.
Free Tail Coverage
PCA provides our insureds with a free Tail for retirement, disability or death after the age of 55 and after they have been insured with PCA for 5 years
Risk Management and Risk Assessment
PCA takes an aggressive, team-oriented approach to risk management with the goal of reducing the frequency of claim submissions and the potential risk associated with each claim.
Our Integrated Risk Management programs are designed to help physicians and their staff recognize potential compensatory events (PCE). When a PCE is reported our Risk Manager will assist the practice to do what is necessary to prevent the incident from becoming a claim. We ask that a current practice employee be designated the Risk Management Coordinator ("RMC") for the practice. The RMC is asked to monitor any potential risk concern within the practice and serves as a liaison between the practice and PCA.
After your practice assigns a Risk Management Coordinator, PCA’s Risk Manager’ will train that person as to our notification process for potential compensation events. In addition, we will provide ongoing consultation including quarterly conference calls to discuss any malpractice issue or concerns. The risk management program is also designed to enhance communication between the front and back office staff to ensure a comprehensive umbrella of support. A suite of support services are available to assist in controlling physicians’ exposures to risk, including the services of Gateway Risk Services, one of the industry’s most recognized experts in claims handling and loss control.
A FREE Risk Assessment is available to your practice which involves review and evaluation of:
- New staff training activities
- Phone/message logs
- EMR (if applicable) – Templates
- Chart documentation
- Operative/Informed consents
- Infection control practices
- Patient grievance process
- Physician communication with the group
- Complication notification process
- High Risk Patients – How to Identify and Handle
- Medication management
- Facility (cleanliness/obstacles/maintenance of equipment)
The focus of PCA’s philosophy is to develop a strategy designed to extricate the insured without an indemnity payment in a timely manner. If early extrication is not possible, then PCA will obtain the support necessary to provide the best possible defense of our insured.
PCA has the advantage of an "Integrated Claim Management Program" which utilizes the services of Kurt Gingrich Esq., our TPA, to oversee the defense and implement a strategy designed to win. PCA utilizes exceptional defense attorneys who are familiar with each geographic region.
Kurt Gingrich and his team are well known to our insureds. They provide 24/7 resources for risk and claim management. They Offer a wealth of legal knowledge that guides both our defense team and defense experts in a way that is unique to our company.
As a physician driven medical malpractice company we have access to medical experts not available to the general marketplace. This is a unique component to our ability to protect our insureds.
Lunch n’ Learn
PCA offers all our clients an opportunity to have their entire staff participate in a 30-minute Lunch n’ Learn. Hosted by a certified Risk Manager, this interactive session is focused on your practice and its risk management strategy.
Our Lunch n’ Learn programs are designed to guide your entire staff through industry best practices, policies and procedures for HIPPA compliance, telephone triage, EMR, and conducting patient/physician relationships. Lunch n’ Learn sessions are customizable, concentrating on the risk management strategy which best suits your practice PCA is proud to offer this service at no cost to our clients. We encourage all our insureds to take advantage of this opportunity to educate their entire staff on how best to assess risk before it becomes a claim.
PCA goes further than our competition in both Pennsylvania and Michigan. We want to learn from and address the needs of the healthcare community.
Since 2003, we have helped countless physicians in Pennsylvania relax and continue providing the highest quality medical care to their patients. We believe that by implementing a smart risk and claims management strategy, you can reduce the probability of adverse outcomes and malpractice claims and improve overall quality of care throughout the healthcare industry.
In 2013 PCA was proud to expand its coverage to Michigan where we look forward to providing the same physician centric approach to Medical malpractice coverage.