NURSES MALPACTICE INSURANCE

• $1M/$6M Limits of Liability

• Personal Liability Coverage – up to $1 million annual aggregate 

• Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work. 

• Defendant Expense Benefit – up to $25,000 annual aggregate, up to $1,000 per day 

• Reimburses you for lost wages and covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim. 

• Disciplinary Hearing or Proceeding – up to $25,000 annual aggregate 

• Includes reimbursement for your defense of disciplinary charges and other covered expenses arising out of a covered incident if a complaint is brought against you before a state licensing board. 

• Personal Injury Coverage 

• Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged personal injuries through the performance of your professional services. 

• Medical Payments – up to $25,000 per person, up to $100,000 annual aggregate 

• Pays for reimbursement of medical expenses to others injured at your residence or business premises. 

• Assault Coverage – up to $25,000 annual aggregate 

• Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage will reimburse you for your medical expenses, including workplace violence counseling, or reimburse you for damage to your property. (Not available in Texas). 

• Damage to Property of Others – $10,000 annual aggregate 

• Pays for unintentional damage you cause to someone else's property while at your personal residence or your workplace. 

• First Aid Expenses – up to $10,000 annual aggregate 

• Reimburses you for expenses you incur while rendering first aid to another person. For example, these expenses may include supplies from your personal first aid kit that you used to help a victim of an automobile accident. 

• Deposition Representation – up to $10,000 annual aggregate 

• A patient or client is injured at the facility where you work. You’re not named in the lawsuit, but you receive a subpoena for testimony. Your coverage through NSO will pay for attorney’s fees for an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services 

• Sexual Misconduct/Abuse – up to $25,000 annual aggregate 

• Insures you, up to the applicable limit of liability, for amounts you’re legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services. 

• Information Privacy Coverage (HIPAA) – up to $25,000 annual aggregate 

• This coverage reimburses you, subject to the insurer’s approval, for costs to notify patients of a disclosure of confidential personal information in compliance with privacy protection laws. It also covers specified HIPAA fines and penalties that you become legally obligated to pay. 

• Defense Attorney Provided 

• With your own individual coverage, you’ll have your own defense attorney designated by the insurer to represent you in court, when necessary. Covered legal fees in connection with a covered claim are in addition to your liability limits—WIN OR LOSE. 

• 24/7 Coverage – During the policy period, coverage is in force 24/7

• Coverage is available for incidents that occur on the job and after hours as well. Your coverage remains in force even if you change jobs or during a period of unemployment.

• Worldwide Coverage – Helps protect you anywhere in the world provided a claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.

BROKER SERVICE | NO ADDED CHARGE

For no extra cost you will get access to a local broker so you don't have to worry about trying to navigate a call center or multiple representatives to maintain your policy. You can apply for coverage yourself at the HPSO Web site by clicking the Free Quote button below. 

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If you'd like us to manage the quote process for you, use the contact form below.