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As a fitness professional, coverage through HPSO provides you with great benefits​!

As a fitness professional, you may need coverage that goes beyond employer-provided insurance, not only from the risk of a judgment against you, but also the cost of defending a frivolous lawsuit. The coverage offered through HPSO is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company. With over 40 years of experience providing quality professional liability insurance to healthcare professionals, CNA has an outstanding reputation of handling claims quickly and fairly. The company continues to carry an A (Excellent) rating from A.M. Best Company, one of the nation's leading independent insurance analysts. This rating is your assurance of financial strength. 

As a fitness professional, coverage through HPSO provides you with the following benefits*: 


Professional Liability Coverage
  • Covers you, up to $1 million each claim, for amounts that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident.
  • Covers you, up to $3 million annual aggregate, for all covered claims in the policy period.

License Protection – $25,000 per proceeding; up to $25,000 aggregate
If your client, a spouse, family member, etc. complains about you to a state licensing board, you could face the challenge of defending your practice and license—and thousands of dollars in legal fees. A policy through HPSO will reimburse you up to the applicable limit for your defense of disciplinary charges and other covered expenses arising out of a covered incident. * 

Defendant Expense Benefit – up to $1,000 per day; $25,000 aggregate 
Your policy through HPSO will reimburse you up to the applicable limit for lost wages and covered expenses incurred when you attend a required trial, hearing, or proceeding as a defendant in a covered claim. 

Deposition Representation – $10,000 per deposition; $10,000 aggregate 
A patient or client is injured at the facility where you work. You are not named in the lawsuit, but you receive a subpoena for testimony during the policy period. Your coverage through HPSO will pay for attorney’s fees of an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services 

Personal Liability Coverage – up to $1 million aggregate 
Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work. 

Defense Attorney Provided 
With your own individual coverage, you’ll have your own defense attorney designated by the insurer to represent you in court, when necessary. Legal fees will be paid for covered claims, in addition to your liability limits - WIN OR LOSE. 

Assault Coverage – $25,000 per incident; $25,000 aggregate 
Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage will reimburse you for your medical expenses or damage to your property up to the applicable limit. (Not available in Texas). 

Personal Injury Coverage
Covers you, up to the applicable limits of liability, for covered claims arising from allegations of slander, libel, assault and battery, and other alleged personal injuries arising through the performance of your professional services. 

Medical Payments – up to $25,000 per person; $100,000 aggregate 
Pays for reimbursement of medical expenses to others injured at your residence or business premises up to the applicable limit. 

Damage to Property of Others –$10,000 per incident; $10,000 annual aggregate
While you are providing care at a patient's or client’s home, what if you accidentally break something? No worries. Your policy pays up to the applicable limit for unintentional damage you cause to someone else's property while at your personal residence or your workplace. 

First Aid Expenses – $10,000 per incident; $10,000 aggregate
This benefit provides reimbursement for expenses you incur while rendering first aid to another person. For example, these expenses may include supplies from your personal first aid kit that you used to help a victim of an automobile accident. 

Sexual Misconduct/Abuse – $25,000 aggregate sublimit of the Professional Liability limit of liability
Insures you, up to the applicable limit of liability, for amounts you are legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services. 

Information Privacy Coverage (HIPAA) – $25,000 per incident; $25,000 aggregate
People today are very conscious of their privacy. Most are aware of the protection they receive under the HIPAA laws. This coverage reimburses you for costs to notify patients of a breach of confidential personal information in compliance with privacy protection laws. It also covers HIPAA fines and penalties that you become legally obligated to pay as a result of a covered proceeding.

In addition, a professional liability insurance policy through HPSO is portable, so you can take it with you wherever you go. Whether you have a second job, volunteer, move, or change jobs, your policy will help insure you.

Get a Professional Liability Insurance Quote


Questions? Check out our FAQs​

    

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