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 $3,000,000 aggregate

  Covers you, up to $1,000,000 each claim, for amounts up to your limits of liability that you become legally obligated to pay as a result of a professional liability claim arising out of a medical incident. Covers you, up to $3,000,000 aggregate, for all covered claims arising during the policy period.

• License Protection - up to $25,000 aggregate

  Reimburses you with up to $25,000 aggregate for your defense of disciplinary charges and other covered expenses arising out of a covered incident.

• 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 a covered claim for professional services.

• 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. (Personal Liability Coverage not available to Acupuncturists and Fitness Professionals)

• 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

• New Expanded Coverage - Assault Coverage - up to $25,000 aggregate

  If you are assaulted at work or while commuting to or from your workplace, we will reimburse you, up to $25,000 aggregate, for your medical expenses, including emotional counseling, or reimburse you for damage to your property. (Assault Coverage not available in Texas)

• Personal Injury Coverage

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

• New Higher Limits - Medical Expenses.

  Pays up to $100,000 aggregate, up to $25,000 per person, for reimbursement of medical expenses to others injured at your residence or business premises.

• New Expanded Coverage - Damage to Property of Others- up to $10,000 aggregate

  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.

• 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.

New Coverage Enhancements for Healthcare Professionals!

• NEW - Sexual Misconduct/Abuse¹ - up to $25,000 aggregate

  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. Defense coverage for covered allegations of sexual abuse is in addition to the sublimit of liability. There is no coverage for criminal acts, including consensual sexual activity.

• NEW - Information Privacy Coverage¹ (HIPAA) - up to $25,000 aggregate

  Reimburses you, up to 25,000 aggregate, for costs to notify patients or clients of the violation of confidential personal information in compliance with privacy protection laws. It will also cover HIPAA fines and penalties you become legally obligated to pay.

  ¹Effective for current insureds at renewal and new policy holders beginning November 1, 2010.

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!

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.**

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