HPSO / NSO
Healthcare Providers Service Organization — occurrence coverage with $1M/$6M limits
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| Item | HPSO / NSO |
|---|---|
| Coverage limits | $1M per claim / $6M annual aggregate |
| Policy form | occurrence |
| License defense | ✓ |
| Tail coverage | — |
| Rating | 4.6 |
| Best for | healthcare professionals who want widely recognized occurrence coverage with high aggregate limits |
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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