Registered Radiologist Assistant (RRA or RA) and Radiology Practitioner Assistant (RPA) Individual Professional Liability Insurance Program
Thank you for your interest in the professional liability insurance program for Registered Radiologist Assistants and Radiology Practitioner Assistants offered through Healthcare Providers Service Organization (HPSO).
Registered Radiologist Assistant and Radiological Practitioner Assistant Individual Professional Liability Insurance Application with limits of up to $1,000,000 per claim, and up to $3,000,000 aggregate in claims-made coverage.
As an RRA or RPA, you must protect your ability to practice. And, as your scope of practice increases with your role, so does your liability exposure. Protect your interests by having your own individual coverage.
Click here to read about all the features and benefits that come with coverage through HPSO
How Claims-Made Coverage Protects You
Under a claims-made policy, coverage is provided for claims made against the policyholder and reported to the insurance company while the policy remains in force and during any applicable extended reporting period.
Under a claims-made policy, as long as the policyholder has maintained continuous coverage, the company underwriting the policy at the time the incident is reported would be responsible for paying any covered claims. This may not be the same company underwriting the policy at the time the incident occurred if the policyholder moved to a new insurer.
In the first few years, each time a claims-made policy is renewed, the premium increases automatically to take into account the likelihood of clams being reported from the current and previous policy periods. Generally, claims-made coverage is offered on an annual basis.
Example: Let's say you purchased a claims-made policy from Adequate Insurance Company, with an effective date of January 1, 2011 and liability limits of $200,000. You elect to let the 1-year policy lapse at the end of 2011, and you do not purchase Extended Reporting Period (ERP, or "tail") coverage from Adequate. You are then sued in 2013 for treatment you provided in June of 2011. Since the complaint was filed after the policy period ended, and no ERP coverage was in place to extend your right to report clams, Adequate would not respond to the claim.
This program is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company, and is offered through the Healthcare Providers Service Organization Purchasing Group. Coverages, rates and limits may differ or may not be available in all States. All products and services are subject to change without notice. This material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the products and services offered. Only the policy can provide the actual terms, coverages, amounts, conditions and exclusions. CNA is a registered trademark of CNA Financial Corporation. Copyright ©2015 CNA. All rights reserved.
Healthcare Providers Service Organization is a registered trade name of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK , AIS Affinity Insurance Agency, Inc. (CA 0795465); in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrator and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency.