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Professional Liability Insurance
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NRA's Enhanced Professional Liability Program
NRA members have access to professional liability insurance through Healthcare Providers Service Organization (HPSO). This plan is administered by HPSO and underwritten by CNA. It is designed to meet the unique needs of healthcare providers and offers competitively priced coverage with comprehensive plan benefits.
You simply can't afford to be without financial protection. Fortunately, the National Rehabilitation Association has negotiated affordable rates and broad professional liability coverage on behalf of our members, underwritten by HPSO, s/b CNA
The NRA professional liability program includes:
Occurrence form policy
Covers professional services up to $1 million per incident, with a $3 million annual aggregate. The policy is based on the Occurrence Form. This means you are insured for life, even if you change employers, professions or stop working, as long as the covered incidents occur while the policy is in effect.
Damage to property of others
Pays up to $250 per occurrence for damage you cause to others' property while it is in your care.
Defendants' reimbursements
Pays up to $250 per day/$5,000 per suit for time and expenses associated with your attendance at a trial or arbitration hearing. The suit or proceedings mus result from an injury covered by the policy.
Defense costs for licensing board and civil investigations
Defense coverage up to $2,500 per incident and $5,000 per year will be provided for civil investigations and/or licensing board disciplinary proceedings from rendering of professional services.
Defense costs
Legal fees and court costs involving claims or allegations covered by the policy will be paid on you behalf at no additional cost.
First aid
Pays up to $500 of incurred expenses for first aid to others for an injury covered by the policy. This first aid must be given withing 48 hours of the injury.
Supplemental liability
Pays for any legal liability, up to the policy limit for bodily injury or property damage which occurred while you were rendering professional services.
Medical payments
Pays up to $1,000, subject to a $50,000 aggregate, for three years after the accident for necessary medical expenses caused by bodily injury which occurred while you were providing professional services.
Click here to determine your low-cost annual premium.
To start up your professional liability coverage, apply online!
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