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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.
- 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.
- 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.
- 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.
- 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 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.
- 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.
- 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.
- 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.