Student Features and Benefits:

• Professional Liability Coverage - up to $1,000,000 each claim/up to $3,000,000 aggregate

  Protects you with up to $1,000,000 each claim, up to $3,000,000 aggregate professional liability coverage for covered claims arising during the policy period.

• New Higher Limits - Defendant Expense Benefit - up to $25,000 aggregate

  Reimburses you up to $25,000 aggregate for lost wages and covered expenses incurred when you attend a required trial, hearing or proceeding as a defendant in a covered claim, subject to $1,000 daily limit.

• New Higher Limits - Deposition Representation-up to $10,000 aggregate

  Pays up to $10,000 aggregate for attorney fees as a result of your required appearance at a deposition that arises out of professional services.

• 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, this feature covers your medical expenses or reimburses you for damage to your property, 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.

• New Expanded Coverage - Damage to Property of Others

  Pays up to $10,000 aggregate for damage caused accidentally by you to property of others at your residence or workplace.

• New Higher Limits - First Aid Expenses

  You will be reimbursed for expenses you incur in rendering first aid to others up to $10,000 aggregate.

• 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.





Once you receive your license, accreditation or certification these additional coverages will apply to your policy:




• License Protection - up to $25,000 aggregate

  Reimburses you for your defense of disciplinary charges and other covered expenses arising out of a covered incident.

• Personal Liability Coverage - up to $1,000,000 aggregate

  Protects you from legal liability for covered claims resulting from incidents at your residence, unrelated to your business activities.

• New Higher Limits - Medical Expenses.

  This plan also covers the medical expenses of others injured while on or around your residence or business premises paying as much as up to $25,000 per person, up to $100,000 aggregate.

• Protection 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.

Current HPSO Customers: Great news! We’ve increased many of the coverage extension limits of your professional liability insurance policy through HPSO! Best of all, you don’t have to do anything to take advantage of these new enhancements. You will automatically receive these coverage upgrades at your next renewal - all at no additional cost!

Discount Opportunities!

First Year Graduate Discount. When you graduate, you will receive 50% off the regular full-time rate for your first year! *

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

*50% off the full-time annual premium. Must have graduated within the last 12 months to qualify.

**The course must be 6 contact hours in a subject related to the insured's area of specialization. Must provide a certificate of attendance showing course name, number of hours and course date. Course must have been completed within the last 12 months in order for the discount to be applied.

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