FAQ > Claims
- How do I know that Healthcare Providers Service Organization is a company I can trust?
- I just received a subpoena or a letter of intent to sue. What should I do?
- I just received legal papers naming me as a defendant in a lawsuit. What should I do?
- I just received a letter from a lawyer advising me that I am going to be named as a party in a lawsuit. What should I do?
- I've been hearing more about healthcare providers facing disciplinary charges from their state licensing boards. Does my professional liability insurance pay for a lawyer for this type of hearing?
- What kinds of activities might trigger a disciplinary action by a licensing board and/or state regulatory agency?
- Would HPSO deny insurance coverage due to a claim against a policyholder?
1. How do I know that Healthcare Providers Service Organization is a company I can trust?
Healthcare Providers Service Organization has been meeting the insurance needs of healthcare providers since 1992 and now offers coverage to over 80 various healthcare professionals. We provide professional liability protection to over 1,000,000 healthcare providers nationwide. We have been meeting the insurance needs of healthcare professionals since 1976. The HPSO-administered professional liability insurance policy is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company. CNA has earned an A (Excellent) rating, from A.M. Best, the nation's leading authority on the financial well-being of insurance companies. CNA is a registered service mark and trade name of CNA Financial Corporation.
2. I just received a subpoena or a letter of intent to sue. What should I do?
If you have been contacted in regard to a lawsuit, or you suspect that you may be contacted in the future, it is important to contact us immediately, so that we can proceed in your defense, if necessary.
You can contact us by phone (1-800-982-9491, between 8 AM and 6 PM, ET) or through our on-line contact form. We will then forward your information to our underwriter, CNA. A CNA claim consultant will contact you by phone within 24-48 hours of your contact with us to explain what steps to take to proceed. CNA will discuss attorney options available to you.
Also, make no attempt to contact the patient or the patient's attorney to discuss the subpoena or any other paperwork you may receive. And please, avoid the temptation to talk with your friends and colleagues about the subpoena. It is important that your insurance provider is the first person in which you discuss the details of the subpoena.
Read more about CNA and how they will treat your claim!
3. I just received legal papers naming me as a defendant in a law suit. What should I do?
See the answer to question 2 above.
4. I just received a letter from a lawyer advising me that I am going to be named as a party in a lawsuit. What should I do?
See the answer to question 2 above.
5. I've been hearing more about healthcare providers facing disciplinary charges from their state licensing boards. Does my professional liability insurance pay for a lawyer for this type of hearing?
We are pleased to tell you that if you face professional disciplinary charges you are eligible for defense reimbursement under our policy. This coverage provides up to $10,000 for legal representation for covered disciplinary hearings as a result of covered license protection incidents (excluding the appeals process).
Feel free to e-mail us if you have any questions.
6. What kinds of activities might trigger a disciplinary action by a licensing board and/or state regulatory agency?
Any act that breaches your professional practice act or standards may prompt an action. Common occurences include such unprofessional conduct as incompetent practices, medication errors, documentation errors, and practicing outside the scope of your license and/or certification.
Our current coverage provides for expenses incurred while defending your interests in disciplinary actions. We understand the importance of your license to your livelihood and will help you to protect it.
7. Would HPSO cancel or non-renew insurance coverage due to a claim against a policyholder?
Our current insureds and potential clients should not be concerned about the cancellation of their policy solely due to the reporting of an incident or claim. We evaluate practice methods, continuing education, and risk management techniques along with the severity and frequency of any incidents or claims reported before taking such serious action.
