HPSO Professional Liability Insurance Coverage Beyond Your Employer Provided Plan

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1+ Million Healthcare Professionals Insured

9.5 out of 10 Elite Customer Rating*

Defending Healthcare Professionals Since 1976

More than 40 Years Experience, Expertise and Dedicated Service

Affordable rates

Get a quote in as little as 5 minutes

Endorsed by over 40 associations

200+ professions covered


Easy breezy

So far it has been very easy to use and work with HPSO. It came highly recommended and I'm glad I followed through!

Easy, direct to the point

It was a straightforward process, easy to complete and cheaper than competitor.

Fast Self-service Application

The short application process and affordable rate made the process easier and less intimidating.

The added human experience

Having access to a person via phone is a great service that HPSO offers. Major decisions such as this to protect us professionally are not taken lightly and the human experience is appreciated and makes the entire process easier.



Occupational Therapists

Who We Cover

Clinical Social Workers

Physical Therapists

Physician Assistants

HPSO Professional Liability Insurance Coverage Beyond Your Employer Provided Plan

24/7 Liability Insurance

Portable policies

Covers You On Or Off The Job

Endorsed By Over 60 Associations

A Rating by BBB.

90+ Professions Covered

Multiple premium discounts available

Comprehensive professional liability protection

More than 35,000 healthcare businesses

More than 30 years experience, expertise, and dedicated service

More than 80 professional associations

Endorsed by Over 60 Associations

Get a Quote in as Little as 5 Minutes

200+ Professions Covered 

Affordable Rates

You have the power to help safeguard your career.


Client Testimonials

  • 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.

  • Do I have enough coverage?

    Today's astronomical malpractice awards can quickly exceed coverage limits. If you are named in a malpractice lawsuit and your legal costs and settlement or judgment exceeds your employer limits, you may need to make up the difference. With coverage through HPSO, you are covered individually for up to $1 million each claim and up to $3 million aggregate.

  • Am I covered when I am off-duty?

    Most employer-provided policies cover you only when you're at work. That means you could be financially liable for contract work performed after hours, Good Samaritan assistance, volunteer activities or even casual advice to a friend or neighbor. Your policy through HPSO covers you 24 hours a day, 365 days a year.

  • Is my coverage shared with others?

    If you're covered by an employer's policy, your liability limits may be shared by other defendants. Shared limits decrease your individual coverage and increase your personal financial liability. Even worse, in some states you could be found liable for the financial responsibility of others. Insurance through HPSO provides you 100% sole coverage with no shared limits, subject to policy limits.

  • Does your employer-provided insurance include license coverage?

    In addition to being named in a malpractice lawsuit, one of the most serious risks that healthcare professionals face is the suspension or withdrawal of their license - without which you lose your ability to work. Employers rarely provide license coverage, and in fact, are often the source of the complaint. With coverage through HPSO, you will be reimbursed for your defense of disciplinary charges and other covered expenses arising out of a covered incident.

You have the power to help safeguard your career.

4.71 / 5 – (10,986 Reviews)