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Coverage that's portable

Venturing into a career as a healthcare professional means you’ve dedicated your life to helping others. While your first instinct may be to think of your patients, it’s important that you also keep yourself and your practice front and center; especially when it comes to safeguarding your career and setting yourself up for a successful future.  

This starts with securing a professional liability policy. Having your own policy not only ensures that your interests come first, it gives you the confidence and peace of mind to build your career knowing that you are supported by industry leading insurance products and services. It’s not just a premium or a plan, it’s an investment in you, your career, and your future. 

You’re probably aware that an individual professional liability policy can provide coverage in the event of a lawsuit, deposition, subpoena request, and/or licensing agency complaint.*  However, you may have overlooked one of the most significant benefits of having your own policy: portability. 

An individual professional liability policy through HPSO goes with you, wherever you go.*   

Move jobs? So does your coverage.  

Moonlight or freelance? Give us a call and we can make sure your coverage is the right one for you.  

Volunteering at a local event? Coverage is available.* 

The portability of our policies not only ensures that you have coverage wherever you go*, but our policies are designed with the individual healthcare provider in mind. HPSO understands that healthcare workers across a variety of fields may want to create more flexible work schedules so that they can spend more time with family, work at a variety of different facilities, offer in-home care, or get out into the local community and volunteer. Having your own policy means you are not dependent on your employer-based policy. It allows you to have the career you want on your own terms. 

An individual professional liability policy not only enables you to make the insurance choices for your career, it also offers a degree of coverage that an employer-based plan may not. For example, even if you aren’t working outside your current employer's facility, as a healthcare professional, you may be asked to volunteer your time. What may seem like a harmless conversation actually has the potential to result in exposure to lawsuits or allegations of malpractice if an incident occurs as the result of your advice. If you’re covered under your own professional liability insurance policy, that coverage may be portable*, and therefore extend to this type of situation, for professional services within the scope of your practice. In short, safeguarding your career is a 24/7 job, and an employer-based plan typically works part time. 

A policy through HPSO is focused on you, whether that means providing coverage in the event of a lawsuit, guiding you through a deposition, or offering peace of mind when you’re off the clock or out of the office*. In addition, it not only helps protect your career. It helps to safeguard your future.  

…Wherever that future may be.   

*Subject to the policy terms, conditions and exclusions, for claims brought against you in the United States, including its territories and possessions, Puerto Rico or Canada.  
This publication is intended to inform Affinity Insurance Services, Inc., customers of potential liability in their practice. This information is provided for general informational purposes only and is not intended to provide individualized guidance. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Any references to non-Aon, AIS, NSO, HPSO websites are provided solely for convenience, and Aon, AIS, NSO and HPSO disclaims any responsibility with respect to such websites. This information is not intended to offer legal advice or to establish appropriate or acceptable standards of professional conduct. Readers should consult with a lawyer if they have specific concerns. Neither Affinity Insurance Services, Inc., HPSO, nor CNA assumes any liability for how this information is applied in practice or for the accuracy of this information.

Healthcare Providers Service Organization is a registered trade name of Affinity Insurance Services, Inc., a licensed producer in all states (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.