HPSO's Professional Liability Insurance for Physician Assistants
Finally -- A Better Choice for Physician Assistants.
Receive a rate quote before you renew your current coverage.*
Because you work so closely with physicians, Physician Assistants
face a unique set of legal risks. You are more likely than most other
healthcare professionals to be named in a lawsuit which also names a
physician. It's important that you have the appropriate, individual
professional liability insurance in place to protect your finances and
HPSO is the #1 provider of professional liability insurance for over 1 million healthcare professionals, and is now offering the same quality coverage, financial strength and level of service to Physician Assistants.
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.
"But I already have professional liability insurance through my doctor (or hospital)."
You may believe, as many healthcare professionals do, that if you're named in a malpractice lawsuit, your employer's coverage will fully defend you. This is not always the case. With employer-provided coverage, your limits are oftentimes shared with all defendants; you may have no coverage for off-duty incidents; or your coverage may be canceled following a job change. Plus, coverage through an employer rarely includes coverage for your defense of a license complaint.
"I've heard that if I carry my own individual policy, then I become a target for lawsuits."
This is a myth. Your insurance status is privileged information.
In fact, HPSO cannot release information about your status without your
Plaintiffs' attorneys do not know your insurance status when they name you as a defendant in a lawsuit. They won't know what insurance coverage you have in place until the discovery phase of the trial. At that point you've already been named in the suit and need your own protection.
Coverage that protects your interest first
Through HPSO, you get Professional Liability Protection with
limits of up to $1,000,000 each claim, up to $3,000,000 aggregate. Choose between the claims-made or occurrence** policy forms. For a description of the advantages and disadvantages of each policy form, along with examples on how they work, please view the
More Information Regarding the Claims-Made and Occurrence Professional Liability Policy Forms page.
It is important for Physician Assistants to carry limits of liability commensurate with those of their supervising physician. To qualify for the highest possible limits, we ask you when applying to provide a copy of your supervising physician's current Declarations Page.
This coverage is underwritten by CNA, rated 'A' (Excellent) by A.M. Best for its financial strength. Together with HPSO, CNA has been providing professional liability insurance to healthcare professionals for over 30 years.
Aesthetic Procedures Coverage for Self-Employed Physician Assistants
Extend your professional liability protection to nearly 100 non-surgical aesthetic procedures, including: dermal fillers, laser hair removal, permanent cosmetics, collagen injections, microdermabrasion, botox and more! Call 1-888-273-4686 for rates and details.
Affordable Coverage for all Classes
Available for all Physician Assistant classes.
If you work less than 24 hours per week, you are eligible for a 35% discount off the regular full-time premium. Be sure to indicate your part-time status on your application.
Retirement or Leave of Absence Discount
If you are retired but maintain an active license, or have taken a leave of absence from your career, you may qualify for a 50% discount off the regular full-time premium with reduced coverages.
Risk Management Discount
A 10% non-cumulative credit will be applied to your annual premium for up to three years for attending an eligible Risk Management Course.
If you attend a qualified risk management course, a 10% non-cumulative credit will be applied to your annual premium for up to three years. The course must be 6 contact hours in a subject related to the insured's area of specialization. You must provide a certificate of attendance indicating the course name, number of hours and course date. The course must have been completed within 12 months of the date of application. A discount is guaranteed for three years, but the base premium is subject to change.
Apply Today and Enjoy Peace of Mind!
The program available through HPSO is offered at highly competitive rates. Compare these premiums to what you're paying now.
*To view both the claims-made and occurrence rates, you will need to answer a couple of questions. Then select your state from the list. Selecting your state will open a PDF of the application. The rates are found on a chart inside the application.
**Physician assistants practicing in Florida, Indiana and Louisiana are eligible to be written on claims-made form only. Physician assistants practicing in New York are not eligible for the convertible claims-made policy form.
Call us toll-free at 1-888-273-4686, Monday - Friday, 8:30 am to 5:00 pm, EST.
Fax us toll-free at 1-800-701-1986
E-mail us at firstname.lastname@example.org
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 © 2014 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.