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For over 40 years, Healthcare Providers Service Organization (HPSO) has been one of the country's largest providers of insurance solutions and risk management resources to allied healthcare providers and practices.  HPSO has been part of the APTA's Member Benefit Program since 1992 and provides coverage to nearly one in three PTs across the nation.

APTA partners with HPSO to provide professional liability insurance and risk education to our members and potential members. Our goals are to promote best practices, reduce risk, and learn from data to advance strategies for delivering physical therapist services safely, effectively, and efficiently.

The content provided is intended to inform physical therapy professionals of potential liability in their practice. It is for general informational purposes only and is not intended to provide individualized guidance. 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. 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.


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