HPSO / NSO vs Proliability (Mercer)
The “Get Quote” links below are affiliate links (rel="sponsored"). We may earn a
commission if you buy through them, at no extra cost to you.
| Item | HPSO / NSO | Proliability (Mercer) |
|---|---|---|
| Coverage limits | $1M per claim / $6M annual aggregate | Up to $1M / $3M aggregate |
| Policy form | occurrence | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | — | — |
| Rating | 4.6 | 4.4 |
| Best for | healthcare professionals who want widely recognized occurrence coverage with high aggregate limits | nurses and allied-health professionals who want occurrence coverage with no tail |
| Get Quote | Get Quote |
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
Proliability (Mercer)
Pros
- Occurrence-based coverage through Liberty Insurance Underwriters — no tail coverage needed
- Licensing board reimbursement up to $25,000 per incident / $100,000 per policy period
- HIPAA coverage up to $50,000; the only AANP-sponsored NP plan since 2008
Cons
- Standard limits cap at $1M / $3M (lower aggregate than HPSO/CM&F)
- Online self-service flow feels dated
Last reviewed: 2026-07-07