Frequently Asked Questions


HPSO-Sponsored Business Insurance Products

What is Business Insurance Coverage?
Sometimes referred to as business owner's policy (BOP), it's business insurance coverage that provides Property and General Liability insurance to small businesses. The Business Owner's Policy prepackages a group of coverages desirable to businesses. Usually coverage is provided for Property Coverage; Business Interruption and Continuation Coverage; General Liability Coverage; and Crime Protection.

Also available under small commercial property and casualty category are Workers Compensation, Commercial Auto, Commercial Liability Umbrella, Fidelity, Mechanical Systems Breakdown and Kidnap and Ransom insurance.

What is Worker's Compensation Coverage?
This coverage pays compensation and other benefits required of the firm by the workers compensation law or occupational disease law of any state listed in the policy. The coverage applies to bodily injury by accident and by disease arising out of and in the course of employee's employment.

Who needs Business Insurance Coverage?
Any firm or sole practitioner that:

  • Leases space for business purposes
  • Owns a business property
  • Has office property or equipment
  • Has employees
  • Handles client records or property
  • Handles firm or client cash/funds
  • Has clients visit their business premises.

Why is this coverage part of the HPSO Insurance Programs?
The Programs are dedicated to protecting the financial interests of America's healthcare professionals with affordable, high quality professional and personal insurance coverage. The goal is to provide a comprehensive portfolio of insurance products available to HPSO customers. Most firms must buy some or all of these coverages to conduct business. Business Insurance coverage rounds out the insurance offerings to HPSO firms.

How is the business insurance serviced by the HPSO Insurance Programs?
The HPSO Insurance Programs are administered by the Healthcare division of Affinity Insurance Services. To continue to meet the needs of business owners, we have arranged to offer commercial insurance products through Affinity Insurance Services' property and casualty division.

To Request a Quote today, contact us toll-free at 1-866-283-7128 or Click here to complete a Request for Quotation form.

Return to HPSO Business Insurance coverage page

Contact Us:

HPSO-Sponsored Business Insurance Program
159 E. County Line Road
Hatboro, PA 19040-1218
Phone: 1-866-283-7128
Fax: 1-800-567-4028
Email: businessinsurance@hpso.com