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Welcome Independent Brokers! ​

Healthcare Providers Service Organization (HPSO) is deeply committed to providing professional liability insurance designed for healthcare professionals. We offer brokers competitive commissions and responsive service, while offering your clients customized coverage and affordable pricing.

Who is HPSO?

HPSO is a fully owned subsidiary of Aon Affinity, a division of the world’s premier insurance broker, Aon plc (NYSE: AON). HPSO and its broker partners benefit from Aon’s leverage in the insurance industry and network of resources.

What exactly does HPSO do?

HPSO operates as a managing general underwriter. Our carrier partner, CNA, has given us the authority to underwrite, bind, and issue policies. We also provide customer service to your clients, and issue billings and late and lapse notices. CNA manages all claims.

How do I start selling the Professional Liability Insurance Program offered through HPSO?

To find out how you can make the Professional Liability Insurance Program offered through HPSO available to your clients, please call 800-982-9491 or email us at

Who is eligible for the Professional Liability Insurance Program offered through HPSO?

 90 individual healthcare professions, including:

  • Counselors

  • Fitness Professionals

  • Occupational Therapists

  • Optometrists

  • Pharmacists

  • Physical Therapists

  • Physicians

  • Physician Assistants

  • And more…

50 healthcare businesses, including:

  • Audiology

  • Fitness Centers

  • Healthcare Schools

  • Home Health Care

  • Mental Health Counseling

  • Outpatient Rehabilitation

  • Pharmacies

  • Wellness Centers

  • And more…


Overview of the Professional Liability Insurance Program offered through HPSO:

  • Professional Liability limits up to $1 million each claim/$3 million annual aggregate.

  • New Enterprise Privacy Protection Endorsement available to insure firms for a potential privacy injury claim or privacy event. Provides coverage for Privacy Injury liability, legal expenses, forensic services, privacy event expenses, notification costs, and credit monitoring services.

  • Important extensions of coverage, including License Protection, Sexual Abuse/Misconduct, and more. (See Product​​ page.)

  • HPSO and CNA have worked together for 20 years helping to insure healthcare professionals. Your clients benefit from the expertise gained after our years of collaboration.

  • CNA delivers responsive, reliable claim service. If necessary, CNA will appoint an experienced defense counsel to represent your client, and will go to great lengths, such as hiring prominent expert witnesses, to safeguardyour clients’ interests.

  • HPSO works with CNA to continually update the policy to ensure coverage is current with your clients’ needs.

  • In 2014, HPSO and CNA released their Counselor Claim Report, and in 2013 their Pharmacist Claim Report, providing healthcare professionals with vital statistical data derived from customer claims, along with recommendations that can help your clients manage their risks.

  • The HPSO website includes self-service functions that allow your clients to pay online.

  • HPSO and its sister company, Nurses Service Organization (NSO), are endorsed by more than 70 professional associations​​.​ 


Please Call 1-800-982-9491

Mon – Fri, 8am – 6pm ET.