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.

Apply Now

• Download, print and complete the following application:
  School Blanket Professional Liability Insurance Occurrence Application(90 KB)
• Once you've completed the 3-page form, simply mail or fax it using the information shown below:

  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 studentblanket@hpso.com
• 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.

Return To Top

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 studentblanket@hpso.com 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.

* 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

Return To Top

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 studentblanket@hpso.com

Agents or Brokers - Please contact HPSO for a quote for your client!