Professional & General Liability Insurance
Insurance Coverage is available to
Current OSLHA Members ONLY, who work or live in Ohio or any Adjoining State
(Allied Professional and Consumer members are not eligible)

OSLHA Members electing to participate in the OSLHA Professional, General and Excess Liability Insurance coverage receive the following benefits:
  • The payment of up to $2,000,000 each claim on your behalf in the event that a suit is filed or the insurance company determines negligence is established.
  • $2,000,000 each claim / $4,000,000 policy year aggregate, which covers professional services as defined in the policy.
  • $2,000,000 each claim / $3,000,000 policy year aggregate,which covers general injury and damage as defined in the policy.
  • A trained professional adjuster, employed by the insurance company claims department, investigates all allegations, responds to complaints and provides legal defense in the event of suit.
  • Company employed or appointed defense counsel will defend you in the event of a covered suit, whether or not the allegations have merit.
  • All reasonable legal defense costs are paid in addition to policy limits for covered claims.
  • Reasonable expenses incurred by you and up to $100 per day is paid for your actual loss of earnings because of time off work due to a claim or suit.
  • Out of court settlements are paid up to the policy limits.
  • No deductible applies.
  • All descriptions of coverage are subject to actual policy contract.

The Professional, General & Excess Liability Insurance is a shared limit occurrence policy issued through the Cincinnati Insurance Company.  By participating in a shared limit policy, members acknowledge and undersatnd that excessive, multiple claims could reduce the policy year limits available to other members.  Participating members will be notified by OSLHA of any reduction in the available limits during the policy year.  A master policy is on file with OSLHA. Members receive confirmation of insurance coverage electronically within 3 weeks of purchasing coverage and separate non-shared limit policy options at increased premiums, independent from OSLHA, are available from montgomery Insurance and Investments. 

Which Type of Insurance will meet YOUR needs?

EMPLOYEE Liability Insurance

An "employee" is one who is paid a specified salary or wage from which the employer deducts Federal Income and Social Security Taxes, and one who does not engage in any private practice or contract work.

Fiscal Year Premium (July 1 - June 30) $66.00

PART-TIME PRIVATE PRACTICE Liability Insurance

A person who is in "part-time private practice" is self employed and receives fees for services from which Federal Income and Social Security Taxes are not deducted. These services may be provided on a part-time basis (less than 30 hours per week) only.

Fiscal Year Premium (July 1 - June 30) $56.00

EMPLOYEE & PART-TIME PRIVATE PRACTICE Liability Insurance

This insurance coverage is for the person in the "employee" setting who is also engaged in part-time private practice as described in the program above.

Fiscal Year Premium (July 1 - June 30) $76.00

FULL TIME PRIVATE PRACTICE Liability Insurance

A person who is in "Full Time private practice" is self employed and receives fees for services from which Federal Income and Social Security Taxes are not deducted. These services may be provided on a Full Time basis (30 or more hours per week). Legally established entities are not eligible for this coverage.

Fiscal Year Premium (July 1 - June 30) $106.00

STUDENT Liability Insurance

As a student, you are responsible for the results of your own actions. This liability coverage is very important during your educational activities.

Fiscal Year Premium (July 1 - June 30) $51.00

The application for Liability Insurance is included on the OSLHA Online Membership Application Form. You must be a member of OSLHA to purchase liability insurance and can purchase both on your application form or add insurance to an existing membership at any time of the year. Please indicate on the form the type of insurance you need.

To purchase, visit our Membership/Insurance Application online

Has Your Employer Asked You to Add Them as an Additional Insured Entity?

Often times private practice professionals may be asked to furnish proof that their employer is listed as an additional insured entity on the professionals liability insurance policy.  It is possible to add this type of designation on your policy. Please inquire with us if you are in need of such coverage.

Fiscal Year Premium (July 1 - June 30) $45.00 per employer listed on your policy