Why do I need a personal professional liability policy?
Won't my employer's insurance protect me?

Professional liability insurance protects you against allegations of malpractice. Your employer may provide coverage for you, but it may not cover you in all cases. Read on, and find out why it is important to have your own professional liability coverage.

Our customers tell us the number one reason they carry their own policy, in addition to any coverage they may have at work, is that they like the peace of mind that having their own policy affords them. They like knowing that if something happens at work or even while off duty, they can rely on their own policy to protect them against allegations of professional malpractice.

Your employer's policy may cover you, but only up to a point. Your employer's policy is designed to fit their own needs and protect their interests first. If you have your own personal protection, if necessary, you will have the benefit of your own representation that is concerned specifically with your interests.

In Healthcare today, facilities are being bought while others are being closed. Many professionals are leaving their employers and beginning their own practices. What happens if you are named in a lawsuit for an incident that occurred two years ago and you no longer work at that facility, or, worse, it's now closed? Who would you turn to? This is when having your own policy truly provides peace of mind!

Your employer's policy probably only covers you while you are at work. It is unlikely that your employer's policy protects you if you give advice to a friend or neighbor after hours, perform volunteer work, or moonlight outside of your full time job. The professional liability policy offered through HPSO is individual coverage that will protect you for these activities as well as provide coverage over and above your employer's, even if you change jobs.

Should you buy your own policy? That is a personal decision that you need to make. But if you do buy your own policy, you have the comfort of knowing that you are protected against the allegations of professional malpractice, on or off the job, 24 hours a day. Our customers agree that the insurance premium is a small price to pay for a whole lot of peace of mind.