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FAQ for individuals​​​​​​​​​​​​​​​​

Frequently Asked Questions for Healthcare Professionals ​​

If you have questions about our professional liability insurance program, you may find your answers in our frequently asked questions section. 

We have organized these questions by category for your convenience.

If you have questions or concerns that have not been addressed, please feel free to e-mail your questions to us. We will respond to your inquiry within one business day. 

While HPSO has taken care to confirm the FAQ information is accurate, such information is not to be interpreted as changing the scope of the insurance terms and conditions of an applicable policy contract in effect with any insured. A policy can only be changed by an underwriter through a change in coverage forms, endorsement to a policy contract or amendment to a policyholder's certificate of insurance. The underwriting rules issued by the carrier may change from time to time which may affect the questions and answers that follow. Coverages may differ in some states. ​


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