Am I covered?*

Accupuncturist doing acupuncture on the back of a female patient.
Coverage is available for duties
Coverage is available for duties relating to your profession if you are practicing in accordance with state guidelines. 
Coverage is available within this policy
Coverage is available within this policy for malpractice lawsuits, license protection, deposition representation, subpoena requests and more.
Coverage is portable
Coverage is portable. Whether you have a second job, change jobs or move, our coverage stays with you wherever you go, in the United States, including its territories and possessions, and Canada.* 
Coverage offered through your employer
Coverage offered through your employer may leave gaps. HPSO policies put your interests first and provide additional policy benefits to help protect your career against allegations of malpractice.
Policy at a glance*
Provides coverage for amounts up to $1,000,000 each claim / $3,000,000 annual aggregate that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident.
If a complaint is submitted against you to an applicable licensing agency, you could face the challenge of defending your practice and license. A policy through HPSO will reimburse you up to $25,000 in aggregate for your legal representation arising out of a covered license protection incident.
Your individual professional liability coverage pays defense costs for covered claims, irrespective of whether a favorable result is achieved. This includes the cost of investigating claims. Defense costs are provided in addition to your liability limits.
The HIPAA provision reimburses you up to $25,000 aggregate to notify patients of a breach of confidential personal information in violation of privacy protection laws. It also covers HIPAA fines and penalties that you become legally obligated to pay as a result of a covered proceeding. (Fines and penalties not available in New York).
If you receive a subpoena for documents or testimony arising out of professional services related to a lawsuit in which you are not named, the HPSO policy includes deposition representation. Your coverage through HPSO will pay for attorney’s fees charged by an attorney designated by the insurer to prepare you for a deposition. 
Defendant Expense Benefit 
Your policy through HPSO will reimburse you up to $1,000/day or $25,000 annual aggregate for lost wages and other covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim. 

Assault Coverage 
If you become the victim of an assault, either at or while commuting to or from your workplace, this coverage provides reimbursement up to $25,000 annual aggregate, for your covered medical expenses or damage to your personal property. (This coverage is not available in Texas). 

Medical Payments 
Up to $25,000 per person / $100,000 annual aggregate for reimbursement of necessary medical expenses incurred by others injured at your residence or business premises as a result of a covered incident, other than a medical incident.

Personal Injury 
Coverage for charges of privacy violation, slander, libel, and other alleged personal injuries committed while carrying out your professional services. 

First Aid 
This coverage reimburses you up to $10,000 annual aggregate for expenses you incur in rendering first aid to others. 

Damage to Property of Others 
Payment up to $10,000 annual aggregate for unintentional damage you cause to someone else’s property while at your residence or your workplace. 

Sexual Misconduct 
Coverage is provided up to $25,000 annual aggregate, as a sublimit of professional liability, for amounts that you are legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services, provided that there is no determination of liability. There is no coverage for criminal acts, including consensual sexual activity. (This coverage is not available in New York). 

Media Expenses 
Coverage is provided up to $25,000 annual aggregate for certain fees, such as third party legal or public relations consultants, to address adverse publicity or media attention, including preparation of statements, press releases, and interviews arising from your professional services. (Coverage is not available in all states).

Helpful resources for you

* Claims will be evaluated for coverage based upon the specific facts and circumstances presented, the issued policy terms, conditions and exclusions. If coverage is afforded, the amounts payable under a policy are subject to applicable deductibles and limits of insurance. An interpretation of coverage does not predict the outcome of a claim.