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​Professional Liability Insurance for Schools ​

HPSO can offer your school professional liability coverage needed to help ensure a healthy future in the face of potential lawsuits. No matter the size of your school, you'll find that the features in our professional liability policy will help meet your insurance needs. Coverage through HPSO will help safeguard your school, its allied healthcare programs, students, and faculty members from the threat of medical malpractice lawsuits. ​

Your school will receive the following benefits: ​​  

  • Professional Liability Coverage – Up to $1,000,000 per occurrence/up to $5,000,000 annual aggregate for the duration of the policy.

    • Higher limits of up to $2,000,000 per occurrence/up to $5,000,000 annual aggregate are available ​

  • Experienced Legal Representation – Costs which result from the investigation and defense of a claim are covered in addition to the limits of liability, whether your case is won or lost.

  • School Grievance/Disciplinary Hearing – Reimbursement of up to $1,000 per incident, up to $10,000 annual aggregate, for covered expenses for an appearance before a school grievance committee or Academic Disciplinary Board. 

  • Defendant Expense Benefit – Reimbursement of up to $10,000 annual aggregate for lost wages and expenses incurred for insureds to appear in court to defend themselves against a covered malpractice claim. 

  • Assault Coverage – If one of your insureds is the victim of an assault in clinicals, while commuting to and from clinicals, or during clinical-related travel, this plan pays up to $1,000 per incident, up to $25,000 annual aggregate. (Not available in Texas). 

  • Medical Payments – Up to $2,000 per person, up to $100,000 aggregate 

  • Damage to Property of Others – Up to $250 per incident, up to $10,000 annual aggregate for damage to the property of others caused by one of your insureds for which you are responsible. 

  • Deposition Representation – Up to $1,000 per deposition, up to $5,000 aggregate

  • First Aid Expenses – Up to $500 per incident, up to $25,000 aggregate

Additional Coverage for Healthcare Students

Students often assume that because they are still learning the skills they need to practice, they cannot be named in a medical malpractice lawsuit. On the contrary, students are liable for their actions and should maintain their own individual professional liability policy. Healthcare students should be aware that when they enter the workforce, there could be gaps in coverage provided by their employer. ​

HPSO is the premier provider of professional liability insurance for healthcare students. We offer a special rate (as low as $35 annually) for students in over 70 healthcare specialties. In addition, students are eligible for a discount of up to 60% on their premium as first-year graduates. Click here​​​ for more information. ​​

To obtain individual applications for your students, please call 1-800-986-4627 or email ​​​


Call 1-800-986-4627

Mon – Fri, 8am – 6pm ET.
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