As a Fitness Professional, you may think that malpractice charges are something that only doctors and nurses need to worry about. But the truth is, today even Fitness Professionals like you can be sued.
You put yourself at risk with each client you see. Even in performing routine duties complications can arise. A dissatisfied client may file a lawsuit against you. Charges maybe totally without merit, but you may still have to defend yourself in court. These charges could result in damages awarded, in addition to the cost of an attorney to defend you.
Protect yourself against the cost and consequences of a lawsuit with Individual Professional Liability Insurance offered through HPSO
WHY CHOOSE THE PROFESSIONAL LIABILITY INSURANCE PROTECTION OFFERED THROUGH HPSO?
Stability
- The coverage offered through HPSO is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company. With over 40 years of experience providing quality professional liability insurance to healthcare professionals, CNA has an outstanding reputation of handling claims quickly and fairly. The company continues to carry an A (Excellent) rating from A.M. Best Company, one of the nation's leading independent insurance analysts. This rating is your assurance of financial strength.
- The HPSO customer service center is staffed with knowledgeable, licensed service associates who are available to answer your questions at 1-800-982-9491 (M-F, 8 am - 6pm ET).
- Once a HPSO customer, you will be able to service your account through our integrated phone system or through our online account manager, the Virtual Customer Service Representative (VCSR).
| Apply Now - you may either complete an application online using our secure server, or print out an application to complete offline, then mail or fax it to HPSO. |
"Coverage that Protects your interests first and foremost"
You will be protected with expanded coverage features and benefits.
Up to $1,000,000 per claim professional liability coverage
- Your coverage protects you for settlement of a claim or damages awarded up to $1,000,000 each claim that you become legally obligated to pay as a result of a professional liability claim arising out of a medical incident
- Your coverage protects you with up to $3,000,000 aggregate liability protection. This is the maximum limit available to protect you for all covered claims arising during the policy period.
HPSO offers other liability limit and coverage options.
Please contact us if you'd like to learn
more about these options.
- Protects you regardless of when a claim is filed, provided the policy was in force at the time the covered medical incident occurred.
- 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 limit - WIN OR LOSE.
-
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.
-
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.
- Reimburses you for your defense of disciplinary charges and other covered expenses arising out of a covered incident, up to $25,000 aggregate.
- You are protected 24/7 anywhere in the world for covered medical incidents, provided claim is brought against you in the United States, its territories, Puerto Rico, or Canada.
In addition, HPSO provides the following benefits:
Assault Coverage- 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).
- 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 in the conduct of your professional services.
-
You will be reimbursed for expenses you incur in rendering first aid to others up to $10,000 aggregate.
- 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.
-
Pays up to $10,000 aggregate for damage caused accidentally by you to property of others at your residence or workplace.
To see a list of professions covered, click here.
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!
- Call us toll free at 1-888-273-4610
- Fax us toll free at 1-800-739-8818
- e-mail us at service@hpso.com
 |
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 service mark and trade name registered with the U.S. Patent and Trademark Office.
Healthcare Providers Service Organization is a division of Affinity Insurance Services, Inc.; in CA (License #0795465), MN and OK, AIS Affinity Insurance Agency, Inc.; and in NY, AIS Affinity Insurance Agency.
