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.
- Your coverage protects you with up to $3,000,000 aggregate liability protection. This is the maximum limit available to protect you against multiple claims within the policy year.
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 necessary. Legal fees will be paid for covered claims, in addition to your liability limit - WIN OR LOSE.
- Reimburses you up to $5,000 aggregate, up to $2,500 per deposition for attorney fees as a result of your required appearance at a deposition that arises out of professional services.
- Reimburses you 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.
- Reimburses you for your defense of license or disciplinary action and other covered expenses arising out of a covered incident, up to $25,000 aggregate, up to $10,000 per proceeding.
- 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*- Covers your medical expenses or reimburses you for damage to your property, up to $25,000 aggregate, up to $10,000 per incident if you are assaulted at work or while commuting to and from your workplace.
- 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 in the conduct of your professional services.
- You will be reimbursed for expenses you incur in rendering first aid to others- up to $2,500 aggregate.
- 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.
- Pays up to $10,000 aggregate, up to $500 per incident for damage caused accidentally by you to the property of others at your residence or workplace.
* Assault coverage is not available in Texas
To see a list of professions covered, click here.
Contact Us
- 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
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This program is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company and is offered through the Healthcare Providers Service Organization Risk Purchasing Group. CNA is in the process of seeking necessary regulatory approvals, which will enable them to offer the coverages reflected in this ad at this premium rate. If your state has approved the filing by the time your application is processed, your policy will be issued with these coverages and rates. If the filing has not been approved in your state by the time your application is processed then the current coverages and rates will be issued. Coverages, rates and limits may differ in some states. 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 & OK, AIS Affinity Insurance Agency, Inc.; and in NY, AIS Affinity Insurance Agency.
