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