Your own individual coverage protects you beyond the limits of your employer provided plan.

With today's high costs of a lawsuit, professional liability insurance is a must for all healthcare providers. But counting solely on your employer's program may not provide all the coverage you need. Now with coverage through HPSO you can protect your individual interests. Liability limits protect you solely and are not shared with other employees.

• Professional Liability Coverage - up to $1,000,000 each claim/up to $5,000,000 aggregate
Covers you with up to $1,000,000 each claim, up to $5,000,000 aggregate professional liability coverage for covered claims arising during the policy period.
• License Protection - up to $25,000 aggregate
Reimburses you with up to $25,000 aggregate, up to $10,000 per proceeding for your defense of license or disciplinary action and other covered expenses arising out of a covered incident.
• Defendant Expense Benefit - up to $10,000 aggregate
You are reimbursed up to $10,000 aggregate 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 - up to $5,000 aggregate
You are reimbursed for attorney fees up to $5,000 aggregate, up to $2,500 per deposition as a result of your required appearance at a deposition that arises out of professional services.
• Personal Liability Coverage - up to $1,000,000 aggregate
In addition to professional liability protection, your coverage through HPSO also includes up to $1,000,000 aggregate protection for personal liability lawsuits. This feature protects you for covered incidents at your residence that are unrelated to your work.
• Defense Attorney Provided
If you are named in a lawsuit charging you with professional liability, this HPSO plan will defend your interests. An attorney will be provided to represent you personally when we find it necessary. Legal fees will be paid for covered claims, in addition to your liability limits - WIN OR LOSE
• Assault Coverage - up to $25,000 aggregate
If you are the victim of an assault in the workplace or while commuting to and from your workplace, your medical expenses and damage to your property are covered up to $10,000 per incident, up to $25,000 aggregate. (Not available in Texas).
• Personal Injury Coverage
Protects you, up to the applicable limits of liability, against covered claims arising from charges of privacy violation, slander, libel, assault and battery, and other alleged personal injuries committed while carrying out your professional services.
• Medical Payments
Pays up to $100,000 aggregate, up to $2,000 per person for reimbursement of medical expenses to others injured at your residence or business premises.
• Damage to Property of Others - up to $10,000 aggregate
Benefits include up to $500 per incident, up to $10,000 aggregate for damage caused accidentally by you to property of others at your residence or workplace.
• First Aid Expenses
You will be reimbursed for expenses you incur in rendering first aid to others up to $2,500 aggregate.
• Protects you on and off the job, even if you change jobs
Coverage through HPSO protects you for incidents that occur on the job. But, you're also covered off-duty as well. For example, care or advice you offer to a friend or family member, emergency care or Good Samaritan assistance you offer may result in a claim against you. Your employer's plan may provide no protection after hours. Coverage through HPSO protects you 24 hours a day. And your coverage remains in force if you change jobs, or even during a period of unemployment.
• Affordable Group Rates
Through HPSO you can now add quality protection at an affordable cost, thanks to the combined buying power of over 1,000,000 healthcare providers nationwide.

Discounted rate for students!

A 50% discount for first year graduates. *

Attend an eligible Risk Management Course and get a 10% non-cumulative credit applied to your annual premium for up to three years.**