Registered Radiologist Assistant Professional Liability Insurance Program
Thank you for your interest in the professional liability insurance program for Registered Radiologist Assistants offered through Healthcare Providers Service Organization (HPSO). [Please click on the link below to download your application]
This coverage is available exclusively to members of the American Society of Radiologic Technologists. To become an ASRT member, please visit www.asrt.org or call 800-444-2778.
Registered Radiologist Assistant Professional Liability Application (PDF 96K) with limits of up to $1,000,000 per claim, and up to $3,000,000 aggregate in claims-made coverage.
How Claims-Made Coverage Protects You
Under a claims-made policy, coverage is provided for claims made against the policyholder and reported to the insurance company while the policy remains in force and during any applicable extended reporting period.
Under a claims-made policy, as long as the policyholder has maintained continuous coverage, the company underwriting the policy at the time the incident is reported would be responsible for paying any covered claims. This may not be the same company underwriting the policy at the time the incident occurred if the policyholder moved to a new insurer.
In the first few years, each time a claims-made policy is renewed, the premium increases automatically to take into account the likelihood of clams being reported from the current and previous policy periods. Generally, claims-made coverage is offered on an annual basis.
Example: Let's say you purchased a claims-made policy from Adequate Insurance Company, with an effective date of January 1, 2004 and liability limits of $200,000. You elect to let the 1-year policy lapse at the end of 2004, and you do not purchase Extended Reporting Period (ERP, or "tail") coverage from Adequate. You are then sued in 2006 for treatment you provided in June of 2004. Since the complaint was filed after the policy period ended, and no ERP coverage was in place to extend your right to report clams, Adequate would not respond to the claim.
