Protect Your Career and Your Financial Future


Pharmacist Individual Professional Liability Insurance


Your license to practice pharmacy represents a smart investment, and one that must be protected. In fact, your pharmacy career depends on it. You've dedicated time, money - and a lot of yourself - to succeeding. Without the right malpractice protection, you're risking everything you've worked so hard to achieve, placing your career, your personal assets and your family's financial future in serious danger. So why would you take the risk of practicing your profession without protecting your most valuable asset — YOU?

Don't let a malpractice lawsuit jeopardize all you've worked so hard to achieve

Remember, all it takes is one lawsuit —

Why do I need coverage? In this series of videos, attorney for healthcare professionals, Edie Brous, R.N., Esq., provides her insights into the value of having your own individual professional liability insurance policy.

If you're relying solely on coverage through your employer, keep in mind, it may not be enough to adequately protect you.


In these litigious times, there is always that one chance you might get sued. While your employer may provide coverage for you, it may not protect you in all cases. You need to be clear about how your employer's coverage protects you. Often, an employer's policy is designed to protect their interests first.

With your career and reputation at stake, a malpractice lawsuit can have a profound impact on your financial well-being. Having your own APhA-sponsored professional liability coverage through HPSO will provide you with the protection you need as a licensed pharmacist.

This APhA-sponsored program provides malpractice protection that goes beyond the limitations of most employer-provided plans. One of the primary benefits of having your own individual professional liability policy is that in the event of a lawsuit, your insurance provider will ensure that you and your interests are protected above all others.

In addition, wherever your career takes you, your policy will go with you. Whether you have a second job, volunteer, give advice to a friend or neighbor, move or change jobs, your own professional liability policy is there to protect you when you are providing professional services.

HPSO is committed to providing Pharmacists an extensive malpractice insurance program. Several key points on the coverage available through HPSO are:

  • The broad scope of the coverage provides a level of security that is so important today in light of legal costs and court settlements while at the same time offering affordable rates. The professional liability insurance program also includes License Protection coverage.
  • HPSO specializes in administering malpractice insurance coverage to close to 1,000,000 healthcare professionals nationwide, including pharmacists. By working with HPSO, you'll find that we offer outstanding service to our clients and understand the needs of pharmacists.
  • The policy form is an occurrence-based coverage. This means that you are covered against professional liability claims arising from incidents that occur when the policy is in force, regardless of when the claim is reported.
  • The insurance program is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA-affiliated Company. CNA is rated "A" Excellent by A.M. Best Co., the nation's independent insurance analyst. This rating is your assurance of financial stability and sound operating performance.


  • 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 registered trademark of CNA Financial Corporation. Copyright © 2013 CNA. All rights reserved.

    Healthcare Providers Service Organization is a registered trade name of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK , AIS Affinity Insurance Agency, Inc. (CA 0795465); in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrator and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency.