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Healthcare Providers Insurance Coverage Description​​​​​​​​​​​​​​​​

Professional Liability Insurance - Individual Coverage through HPSO ​

"Safeguards your interests first and foremost" 

Click here for a list of eligible professions.​​

Why do I need coverage? In this series of videos, attorney for healthcare professionals, Edie Brous, R.N., Esq., provides her insights into the value of having your own individual professional liability insurance policy.

See our business owners​ section if you are looking for coverage for your business and/or employees.

Why choose the professional liability insurance coverage offered through HPSO?


  • The HPSO customer service center is staffed with knowledgeable, licensed service associates who are available to answer your questions at 1-800-982-9491 (M-F, 8 am - 6pm ET). 

  • Once a HPSO customer, you will be able to service your account through our integrated phone system or through your online account, the Virtual Customer Service Representative (VCSR).


The policy offered through HPSO is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company. With over 40 years of experience providing quality professional liability insurance to healthcare professionals, CNA has an outstanding reputation of handling claims quickly and fairly. The company continues to carry an A (Excellent) rating from A.M. Best Company, one of the nation's leading independent insurance analysts. This rating is your assurance of financial strength. 

24/7 Coverage 

The professional liability insurance coverage available through HPSO provides coverage 24 hours a day whether you're on the job, off-duty, and even if you change jobs. Whether you are employed, self-employed or a student, this broad coverage includes the following valuable benefits:

Policy Features

  • Up to $1 Million each claim professional liability coverage

  • Up to $3 Million aggregate professional liability coverage

  • Occurrence-based Coverage

  • Pays Your Defense Costs 

  • Deposition Representation

  • Defendant Expense Benefit

  • License Protection

  • 24-hour coverage

Plus, you get these additional coverages, up to the applicable limits of liability, at no extra costs:

  • Assault Coverage (not available in Texas)

  • Personal Liability coverage

  • Personal Injury coverage

  • First Aid Expense

  • Medical Payments Damage to Property of Others

Read the full details about these benefits. 

Not sure whether you qualify for coverage through HPSO? Click here for a list of eligible professions. If you have any questions, please e-mail us or call one of our representatives at 1-800-982-9491 (M-F, 8 am - 6pm ET)

Are you counting solely on your employer's malpractice coverage?

Assuming you're fully covered could be costly. Find out the facts before you need the coverage. If you don't get clear, straightforward answers to these all-important questions, it's time you had your own individual policy. Read more about why you should safeguard yourself with your own individual coverage.

Our Guarantee

Once your application is approved, you will receive a Certificate of insurance to review in the privacy of your home.  If you are not satisfied for any reason, return the Certificate within 30 days and the policy will be cancelled flat. There is no obligation whatsoever.

So give yourself the peace o​f mind you deserve and apply today: 

Get a Professional Liability Insurance Quote

This program is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company, and is offered through the Healthcare Providers Service Organization Purchasing Group. Coverages, rates and limits may differ or may not be available in all States. All products and services are subject to change without notice. This material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the products and services offered. Only the policy can provide the actual terms, coverages, amounts, conditions and exclusions. CNA is a registered trademark of CNA Financial Corporation. Copyright © 2015 CNA. All rights reserved. 

Healthcare Providers Service Organization is a registered trade name of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK , AIS Affinity Insurance Agency, Inc. (CA 0795465); in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrator and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency. ​


Please Call 1-800-982-9491

Mon – Fri, 8am6pm ET.
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