CPH & Associates vs HPSO / NSO
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| Item | CPH & Associates | HPSO / NSO |
|---|---|---|
| Coverage limits | Professional liability occurrence form; optional GL $1M / $3M aggregate | $1M per claim / $6M annual aggregate |
| Policy form | occurrence | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | — | — |
| Rating | 4.3 | 4.6 |
| Best for | counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage | healthcare professionals who want widely recognized occurrence coverage with high aggregate limits |
| Get Quote | Get Quote |
CPH & Associates
Pros
- Occurrence (lifetime) form — coverage for incidents during the policy period never expires
- State Licensing Board Defense $35,000 and unlimited defense attorney fees in lawsuit defense
- A++ rated carrier (A.M. Best); talk to a licensed agent directly, no phone trees
Cons
- Sexual misconduct is defense-cost coverage only
- Higher limits and some coverages are optional add-ons
HPSO / NSO
Pros
- High $1M / $6M aggregate limits; coverage stays in force even if you change jobs
- License Defense up to $25,000, HIPAA proceedings up to $25,000, Assault up to $25,000 (annual aggregate)
- 24/7 occurrence coverage with your own designated defense attorney; legal fees paid in addition to limits
Cons
- Policy is issued through NSO rather than HPSO directly
- Fewer customization options than digital-first carriers
Last reviewed: 2026-07-07