HPSO's Professional Liability Insurance for Physician Assistants

Finally -- A Better Choice for Physician Assistants, from HPSO.

Request a 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 your career.

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.

"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 written permission.

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 in claims-made coverage. It is important for PAs 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 as of October 12, 2007. Together with HPSO, CNA has been providing professional liability insurance to healthcare professionals for over 30 years. Plus, you also get these additional coverages, at no extra cost ...

• License Protection - Reimburses you up to $25,000 aggregate, up to $10,000 per proceeding for your defense of disciplinary charges and other covered expenses arising out of a covered license protection incident.
• Defendant Expense Benefit - 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.
• Personal Injury Protection - 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.
• Medical Payments - 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.
• 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. (Assault Coverage not available in Texas.)
• Personal Liability coverage - Protects you, up to $1,000,000 aggregate, for liability damages for covered claims resulting from incidents at your residence, unrelated to your work. Personal liability aggregate limits are equal to the per-claim professional liability limits you are eligible for.
• Damage to Property of Others - 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.
• First Aid Benefit - Reimburses you up to $2,500 aggregate for expenses you incur in rendering first aid to others.
• Deposition Representation - Reimburses you up to $5,000 aggregate, up to $2,500 per deposition for attorney's fees as a result of your required appearance at a deposition that arises out of professional services.

And These Additional Benefits...

24/7 Protection. During the policy period, coverage is in force 24/7. You're covered for incidents that occur on the job and after hours as well. Your protection remains in force even if you change jobs or during a period of unemployment.

Claims-Made coverage. Protects you for covered claims made against you, and reported to the insurance company, while the policy is in force and during any applicable extended reporting period. Read more on claims-made coverage.

Legal Representation. 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 limits - WIN or LOSE.

Worldwide Protection. Coverage is available worldwide, provided claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.

Outstanding Service. More than 1,000,000 healthcare professionals are already covered by the Professional Liability Insurance Program offered through HPSO. Our insurance representatives have the knowledge and experience to help you.

Affordable Coverage for all Classes

DISCOUNTS

Student Rates
Available for all PA classes.

Part-Time Discount
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*.

*The course must be 6 contact hours in a subject related to an insured's area of specialization. Must provide a certificate of attendance showing course name, number of hours and course date. Course must have been completed within the last 12 months in order for discount to be applied.

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.

Download, print, complete and sign the application, then return it to HPSO, along with a copy of the Declarations Page from your physician's professional liability policy. This is to ensure we provide you with limits of liability that are commensurate with those of your physician. (If you are currently covered under a claims-made policy, you should also include a copy of your own current Declarations Page, so that we can ensure your coverage continues without interruption.) Then:

• Mail your completed application and Declarations Page to HPSO
• Fax it to 1-800-701-1986

Once your application is approved, we'll send you a binding quote you can use to compare our rates to what you're paying now. We think you'll find that HPSO represents an outstanding value. If you agree, just sign and return the quote form with your premium payment. Once received, we'll send you your certificate of insurance promptly.

Contact Us

Call us toll-free at 1-888-273-4686, Monday - Friday, 8:00 am to 6:00 pm, EST.
Fax us toll-free at 1-800-701-1986
E-mail us at physicianassistant@hpso.com