Coverage every step of the way

HPSO is here for you throughout your career, from student to practice owner
Individual Practitioners
Not a practice, incorporated, or DBA
Businesses or Practices
Includes incorporated individuals
Students or Recent Graduates
In school or graduated in the past year
Schools
Educational institutions for allied healthcare students

Professions we insure

HPSO provides malpractice insurance to more than 200 healthcare professions
1 million healthcare providers insured
200+ healthcare professions covered
40+ years providing insurance solutions
5 minutes to get a quote!
Frequently asked questions about professional liability

Your employer's policy is designed to protect your employer’s needs and interests. So, while your employer-based coverage is a good start, it may result in coverage gaps. Policies issued through HPSO place your interests first and provide additional policy benefits to help protect your career against risk exposure.

It’s also important to remember that your employer’s policy probably extends solely to the duties you perform at your place of employment. Therefore, you may not be covered if you give advice to a friend or neighbor after hours, perform volunteer work, or moonlight outside of your full-time job. A professional liability policy issued through HPSO is individual coverage that goes with you wherever you go, and it stays with you even if you change jobs, subject to the policy terms, conditions and exclusions.

For additional information on the benefits of having your own coverage, click here.

Yes, HPSO offers professional liability insurance as well as other valuable coverage options to qualified allied healthcare businesses. Click here for more information on our affordable liability coverage for healthcare businesses.

A business policy is the right choice if you:

  • Provide professional services at a business you own:
  • Own a business or are incorporated (including LLC and S-Corp) or have employees; or
  • You practice under a DBA (doing business as).

If none of the above applies to you, then an individual policy is the right choice for you.

What members say about HPSO

Counselor, HPSO member
“The representatives were superior in their attention and service. CNA/HPSO have proven to be reliable, honest, and worth my money. I will continue to recommend and validate reasons that EVERY mental health professional NEEDS YOUR protection.”
Pharmacist, HPSO member
"I was seriously impressed with the excellent way my claim was handled- I have advised my professional colleagues to keep CNA and not give in to policies with lower priced companies, you get what you pay for!"
 
Physical Therapist, HPSO member
“I am so thankful for the help during a difficult lawsuit. The support has been priceless.”

Helpful Resources

Information to help you understand your malpractice insurance coverage and to better manage your risks
Everything You Need to Know About Your Coverage
Everything You Need to Know About Your Coverage
Healthcare Providers: 5 Reasons You May Need Individual Liability Coverage
Healthcare Providers: 5 Reasons You May Need Individual Liability Coverage
Interactive: Common Misconceptions About Malpractice Insurance
Interactive: Common Misconceptions About Malpractice Insurance
40+ professional healthcare
association endorsements

HPSO also offers more personal insurance options for you and your family.

Because we're committed to the health and safety of healthcare professionals everywhere.
Life Insurance
Help protect your family's future if you're not around.
Life Insurance
Exclusively priced coverage to help provide financial security to your loved ones.
Disability Income
Help replace lost income due to injury or illness.
Disability Income
Benefits that help pay the bills if you’re unable to work due to a covered accident or illness.
Long Term Care
Safeguard your retirement dreams as you age.
Long Term Care
Long-term care coverage helps assure you of continued independence as you age.
Auto & Home Insurance
Discounted Auto and Home Insurance for HPSO customers.
Auto & Home Insurance
Auto and home insurance protects you in the event of damage or loss.
Need coverage? Getting a quote is as easy as 1-2-3 Get a Quote
Are you already insured and need to renew your policy? Renew Now
*Rates, limits and coverage may vary based on state, profession, and employment status. Coverage is contingent upon approval of an application.