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.