What is HPSO insurance?
HPSO (Healthcare Providers Service Organization) is one of the largest professional liability programs in U.S. healthcare — 40+ years in business, more than 200 covered professions, and association partnerships with 85+ national, state, and specialty groups. For nursing professionals, policies are issued through its sister company NSO (Nurses Service Organization), which reports 600,000+ nursing professionals insured; the program features are the same. HPSO is also the APTA's member-benefit liability program — a partnership running since 1992 that covers roughly one in three physical therapists, with a 10% premium discount for APTA members.
What does HPSO coverage include?
The core policy is occurrence-form professional liability at $1 million per claim / $6 million annual aggregate — among the highest standard limits in this niche. Coverage is portable (it follows you between jobs and stays in force when you change employers), license defense is included up to $25,000, and legal defense fees are paid in addition to your liability limits rather than eating into them. Because it's occurrence form, there's no tail coverage to buy when you leave.
How much does HPSO insurance cost?
HPSO doesn't publish a flat rate card — premiums depend on profession, state, and employment status, and the exact figure comes from their Quick Quote (about 5 minutes online; you can also apply by fax or mail). For context, individual RN malpractice coverage in this market typically runs around $100–$150 per year; see our RN malpractice insurance and physical therapist malpractice insurance pages for profession-specific ranges.
Is HPSO a good insurance company?
Its strengths are scale and track record: four decades in the market, the highest standard aggregate limit we track ($6M), and deep association ties (APTA since 1992, 85+ partners). The trade-offs: nursing policies are technically issued through NSO (same program, different paperwork), and the online flow offers fewer customization options than digital-first carriers like Berxi. Compare directly: HPSO vs CPH, HPSO vs Proliability.