HPSO is a leader in providing malpractice coverage for the physical therapy profession.
HPSO and APTA have been partnered for 30+ years.
The APTA Insurance Program, powered by HPSO, provides APTA members exclusive benefits for comprehensive professional liability insurance coverage designed for physical therapy professionals, including unlimited defense costs for covered claims, reimbursement for attorney fees to defend your license, and more.
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Caring for your patients and clients is your passion.
Don't let a disicplinary action or malpractice lawsuit jeopardize your career and financial future.
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APTA Members are eligible for a
10% discount on their annual individual professional liability insurance premium!
APTA Members are eligible for:
A 10% APTA member discount applied to your professional liability insurance premium as well as a waiver of the $7 purchasing group fee.
Coverage automatically included for consulting services in your area of expertise and coverage when providing fitness services.
Reimbursement up to $30,000 for your legal representation arising from a license board matter, one of the highest limits offered in the physical therapy marketplace.
Members could realize savings of up to 29%.
Not an APTA Member?
APTA membership provides access to benefits and discounts to help you thrive, including significant savings on your professional liability insurance through HPSO.
Learn more about the benefits of joining our community, including gaining unlimited access to resources to help you achieve clinical excellence and improve the lives of the patients you serve.
FAQ's
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What is professional liability insurance?
What is professional liability insurance?
As a physical therapy professional, you and your assets may be at risk if you are named in a lawsuit. Professional liability insurance, also referred to as malpractice insurance, provides coverage in the event of a lawsuit, deposition, subpoena request, and/or licensing agency complaint.
A policy through HPSO provides coverage for defense attorney fees, court costs, medical damage, settlement costs, and more, subject to the terms, conditions, and exclusions in the policy.
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What is this new product?
What is this new product?
This new product is a proprietary HPSO professional liability insurance offering available only to APTA members who are insured through HPSO on an individual basis.
This provides APTA members with significant benefits on professional liability insurance, including:
A 10% APTA membership discount applied to your professional liability insurance premium as well as a waiver of the $7 purchasing group fee.
Reimbursement up to $30,000 for your legal representation arising from a license board matter, one of the highest limits offered in the physical therapy marketplace.
Coverage automatically included for consulting services in your area of expertise and coverage when providing fitness services.
Members could realive savings of up to 29%!
Am I eligible for this discount?
Am I eligible for this discount?
All individual APTA member PTs and PTAs, with a premium of $100 or more, are eligible.
What kinds of discounts and upgrades from HPSO are APTA members eligilbe for?
What kinds of discounts and upgrades from HPSO are APTA members eligible for?
APTA member PTs and PTAs are eligible for a 10% APTA membership discount applied to your HPSO professional liability insurance premium. In addition, HPSO will waive the purchasing group fee of $7.
With your APTA membership, you will automatically receive coverage for consulting services and fitness services liability. License protection reimbursement also is provided up to a $30,000 limit.
Is there a number I can call for coverage questions?
Is there a number I can call for coverage questions?
Yes! Call 800-995-7667, HPSO’s prioritized telephone number dedicated to APTA members, staffed with trained and licensed insurance agents who are knowledgeable and available to serve APTA members.
Are business owners and private practice owners eligible for a discount?
Are business owners and private practice owners eligible for a discount?
This member benefit is currently available solely to APTA members who are insured as individuals through HPSO.
How do I apply?
How do I apply?
Visit hpso.com/apta to get a quote, learn more, and apply. Have your APTA member ID available for confirmation. Once your membership is confirmed, your discounted rate will be displayed in your quote.
If you need help finding your membership number, contact APTA Member Success.
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Have questions or need assistance? Get in touch!
Learn more about HPSO by visiting our website or calling 800-995-7667.
Rates may vary depending on state and practice setting.
Subject to the policy terms, conditions and exclusions, for claims brought against you in the United States, including its territories and possessions, Puerto Rico or Canada.
Claims will be evaluated for coverage based upon the specific facts and circumstances presented, the issued policy terms, conditions and exclusions. If coverage is afforded, the amounts payable under a policy are subject to applicable deductibles and limits of insurance. An interpretation of coverage does not predict the outcome of a claim.
All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Any references to non-HPSO websites are provided solely for convenience, and HPSO disclaims any responsibility with respect to such websites. This information is not intended to offer legal advice or to establish appropriate or acceptable standards of professional conduct. Readers should consult with a lawyer if they have specific concerns. Neither Affinity Insurance Services, Inc., HPSO, nor CNA assumes any liability for how this information is applied in practice or for the accuracy of this information.
Healthcare Providers Service Organization is a registered trade name of Affinity Insurance Services, Inc.; a licensed producer in all states (TX 13695); (AR Ins. Lic.100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY , AIS Affinity Insurance Agency.
CA Insurance License # 0795465 and #0G94493
This program is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company, and is offered through the Healthcare Providers Service Organization Purchasing Group. Coverages, rates and limits may differ or may not be available in all states. All products and services are subject to change without notice. This material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the products and services offered. Only the policy can provide the actual terms, coverages, amounts, conditions and exclusions. One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. “CNA” is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the “CNA” service mark in connection with insurance underwriting and claims activities.
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HPSO provides coverage to nearly 1 in 3 PTs across the nation.
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