School Liability Insurance

Coverage is one thing. Value is another.

Is your school getting both?

Consider HPSO’s Program Benefits before your school’s current policy is renewed:

  • High aggregate limits of liability
    Up to $5,000,000 to protect your school, allied healthcare faculty and students

  • One low rate of all available student specialties
    Rates as low as $13 per student. We offer the same rate for more than 70 specialties – even if one is higher risk. School and faculty coverage are included in the rate.

  • Coverage for many allied health programs under one policy
    If your institution’s different allied health programs obtain coverage separately…now is the time to consolidate risk management for all of these programs.

  • Unparalleled customer service support
    Our licensed representatives will provide you with top-notch service. Your questions will be addressed in a timely manner by experienced, dedicated staff.

Coverage Features                Compare and Save

Apply Now

  • Download, print and complete the following application:
    School Blanket Professional Liability Insurance Occurrence Application(753 KB)
  • Once you've completed the 3-page form, simply mail or fax it along with all supporting documents to:

    Mail: Healthcare Providers Service Organization
    159 E. County Line Road
    Hatboro, PA 19040
    Fax: 1-800-701-1986

  • To speak with a service associate, please call 1-800-986-4627.
  • Email us at
  • Or, have your broker or agent contact us!

Coverage Features

HPSO can provide your school with the coverage it needs to ensure a healthy future in the face of potential lawsuits. Whether your academic program is large or small, you'll find these features to meet your needs:

Professional Liability Insurance
Your school and its allied healthcare programs, students, and the faculty who instruct and supervise them are covered with limits of liability up to $1 million per occurrence and up to $5 million annual aggregate for the duration of the policy. Higher limits of up to $2 million per occurrence, up to $5 million annual aggregate are available as well.

Plus, the following features are included in the policy at no extra cost:

  • Expert Legal Representation
    Costs which result from the investigation and defense of a claim are covered in addition to the limits of liability, whether your case is won or lost.

  • School Grievance/Disciplinary Hearing
    Reimbursement of up to $1,000 per incident, up to $10,000 annual aggregate, for covered expenses for an appearance before a school grievance committee or Academic Disciplinary Board.

  • Defendant Expense Benefit
    Reimbursement of up to $10,000 annual aggregate for lost wages and expenses incurred for the insured to appear in court to defend themselves against a covered malpractice claim.

  • Assault Coverage
    If one of your insureds is the victim of assault in clinicals, while commuting to and from clinicals, or during clinical-related travel, this plan covers up to $1,000 per incident, up to $25,000 annual aggregate. (Not available in Texas).

  • Medical Payments
    Up to $100,000 aggregate, up to $2,000 per person.

  • Damage to Property of Others
    Provides benefits up $10,000 annual aggregate, up to $250 per incident for any damage to the property of others caused by one of your insureds, for which you are responsible.

  • Deposition Representation
    Up to $5,000 aggregate, up to $1,000 per deposition.

  • First Aid Expenses
    Up to $25,000 aggregate, up to $500 per incident.

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Compare and Save!

Take a few minutes and review the following rate comparison. Then let us provide you with a cost comparison for your school. Email us at or call us at 1-800-986-4627.

The table below illustrates savings of a higher education institution.

The total allied health care student body is 378, comprised of: 48 pharmacy students, 106 nursing students, 87 physical therapist students, 52 medical technology students, 22 phlebotomist students, 35 renal dialysis tech students, 18 athletic training students and 10 perfusionist students.

Your own school's savings may differ depending on the actual number of enrolled students and composition of specialty.



Professional Liability Limits
Per claim / aggregate
$1 million / $5 million $1 million / $3 million
School Coverage
# of Students

Annual Rate
School Coverage

Annual Net Savings = $1,937.25

Nearly 30% savings over the competition

* This comparison information is current as of 8/7/09 and is subject to change. These prices may reflect differences in coverage.
Your premium may be even lower if your school is eligible for discount opportunities:

Claim-Free Discount
Size-of-School Discount

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Additional Coverage for Students

It’s important for allied healthcare students to get in the habit of maintaining their own individual professional liability policy. Students should be aware that when they enter the workforce, there could be gaps in coverage provided by their employer – especially if an employer disputes the testimony of the healthcare professional.

HPSO is the premier provider of professional liability insurance for individual healthcare professionals, and offers a special rate (as low as $29 annually) for students in over 70 healthcare specialties. In addition, all students are eligible for a discount of up to 50% on coverage as a first-year graduate. Click here for more information.

To obtain individual applications for your students:

  • Call us at 1-800-986-4627
  • Email us at
Agents or Brokers - Please contact HPSO for a quote for your client!

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.