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Student Professional Liability Insurance FAQs

Frequently asked questions about student coverage

As a student, you probably have a lot of questions about professional liability insurance. This section will help you find out if you are eligible for coverage through HPSO and if you can receive a student discount so you can save even more on your premium.

1. Does HPSO offer coverage to student healthcare providers?

Yes, HPSO offers coverage for student healthcare providers. For a complete listing of all healthcare providers currently eligible for insurance under our program, coverage information and rates, please click here.

2. Are there any discounts available to students?

Yes, we offer a student discount that varies by state and profession. Find out your rate through our online quick quote. Additionally, if you have completed training within the previous 12 months, you are entitled to a 60% discount, depending on your profession, as a first-year graduate.

3. Will your policy protect me while I'm still in school?

What happens after I graduate? Our student policy is designed to protect you for your professional liability while doing clinical work as part of your school curriculum. After graduation you can take advantage of another benefit of our policy. We do not require that you increase your coverage to professional status until your policy's next renewal. You will be automatically covered after graduation, as a professional until your renewal -- at no additional charge!

4. I am a registered nurse studying to become a nurse practitioner. Why do I need student nurse practitioner insurance when I am not a nurse practitioner yet?

If your school is not providing coverage for you while you're completing your clinical rotation, you should purchase a student nurse practitioner policy. Your registered nurse policy will not provide adequate protection for your clinical work, which may include duties outside the scope of your RN license. Keep in mind that one of the benefits of our Nurse Practitioner and NP student coverage is that you can be covered for your RN duties at no additional cost. If you have your nursing coverage through NSO, it is very easy to make the change to a Nurse Practitioner student. You can e-mail us or call us at 1-800-982-9491 and we'll be happy to initiate this change!

5. I've recently graduated from school and have not yet obtained my license. Am I eligible for coverage?

Yes, if your state allows you to work under a temporary license, you can apply for coverage and have professional liability protection for work right away! Also, you may be eligible to receive our first year graduate discount - that's a 60% savings off of our professional rate!​


Please Call 1-800-982-9491

Mon – Fri, 8am – 6pm ET.