Skip Ribbon Commands
Skip to main content

​​​​Professional Liability Insurance Claims FAQs​​​​​​​​​​​​​​​​​​​​




Frequently asked questions about claims 

The claims process can be confusing, so we understand if you have a lot of questions. Below you will find answers to questions about what to do if you are named in a lawsuit, disciplinary actions you may face, and if your professional liability insurance coverage pays for a lawyer throughout the litigation process.

  1. How do I know that Healthcare Providers Service Organization is a company I can trust? 

  2. I have just been notified that I have been named in a lawsuit or that I am going to be sued. What do I do?

  3. I've been hearing more about healthcare providers facing disciplinary charges from their state licensing boards. Does my professional liability insurance pay for a lawyer for this type of hearing?

  4. What kinds of activities might trigger a disciplinary action by a licensing board and/or state regulatory agency?

  5. Would HPSO deny insurance coverage due to a claim against a policyholder?

1. How do I know that Healthcare Providers Service Organization is a company I can trust? 

Healthcare Providers Service Organization has been meeting the insurance needs of healthcare professionals since 1976 and now covers over 1,000,000 healthcare providers in over 80 professions nationwide. The professional liability insurance program offered through HPSO is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company. CNA has earned an A (Excellent) rating from A.M. Best, the nation's leading authority on the financial well-being of insurance companies. CNA is a registered trademark of CNA Financial Corporation.

2. I have just been notified that I have been named in a lawsuit or that I am going to be sued. What do I do? 

If you have been contacted in regards to a lawsuit, or you suspect that you may be contacted in the future, it is important to contact us immediately, so we can proceed in your defense. 

Please call us toll-free at 1-800-982-9491, Monday–Friday between 8 a.m. and 6 p.m., ET or submit an online contact form. We will then forward your information to our underwriter, CNA. A CNA claim consultant will contact you by phone within 24-48 hours to explain the next steps and discuss what attorney options are available to you. 

It is important that you make no attempt to contact the patient or the patient's attorney to discuss the subpoena or any other paperwork you may receive. Avoid the temptation to talk with your friends and colleagues about the subpoena. Your insurance provider should be the first person in which you discuss the details of the subpoena.

3. I've been hearing more about healthcare providers facing disciplinary charges from their state licensing boards. Does my professional liability insurance pay for a lawyer for this type of hearing? 

If you face professional disciplinary charges, you are eligible for defense reimbursement under our policy. You are covered, up to the applicable limits of liability, for legal representation for covered disciplinary hearings as a result of covered license protection incidents (excluding the appeals process). 

Feel free to contact us if you have any questions.

4. What kinds of activities might trigger a disciplinary action by a licensing board and/or state regulatory agency?

Any act that breaches your professional practice act or standards may prompt a disciplinary action. Common occurrences of unprofessional conduct include incompetent practices, medication errors, documentation errors, and practicing outside the scope of your license and/or certification. 

The fact is anyone can file a complaint against you with the state board for any reason—even your own employer—and it doesn’t have to be solely connected to your professional duties. You’ve studied and worked hard for your license and it should be protected. All complaints need to be taken seriously, no matter how trivial or unfounded they may appear.

Our current License Protection coverage reimburses you for your defense of disciplinary charges and other covered expenses arising out of a covered incident. We understand the importance of your license to your livelihood and will help you safeguard it.

5. Would HPSO cancel or non-renew insurance coverage due to a claim against a policyholder? 

Our current insureds and potential clients should not be concerned about the cancellation of their policy solely due to the reporting of an incident or claim. We evaluate practice methods, continuing education, and risk management techniques, along with the severity and frequency of any incidents or claims reported, before taking such serious action.

qs.pngQUESTIONS?

Please Call 1-800-982-9491

Mon – Fri, 8am – 6pm ET.