Professional & General Liability Insurance
Insurance Coverage is available to current OSLHA Members ONLY
who work or live in Ohio or adjoining states
(Allied Professionals and Consumers are not eligible)

OSLHA Members electing to participate in the OSLHA Professional & General Liability Insurance coverage receive the following benefits:
  • The payment of up to $1,000,000 each claim on your behalf in the event that a suit is filed or the insurance company determines negligence is established.
  • $1,000,000 each claim / $3,000,000 fiscal year aggregate, which covers professional services as defined in the policy.
  • $1,000,000 each claim / $2,000,000 fiscal year aggregate, covering general accident and/or injury 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 Liability Insurance is an occurrence type policy issued through the Cincinnati Insurance Company. A master policy is on file with OSLHA. Members receive an insurance confirmation card with Policy number and expiration date via mail 6-8 weeks after purchasing insurance.

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.

Fiscal Year Premium (July 1 - June 30) $45.00

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 only.

Fiscal Year Premium (July 1 - June 30) $45.00

EMPLOYEE & PART-TIME PRIVATE PRACTICE Liability Insurance

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

Fiscal Year Premium (July 1 - June 30) $57.00

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) $45.00

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. Please indicate on the form the type of insurance you need or contact us at anytime to add insurance to your existing membership.

To purchase, visit our Membership/Insurance Application online or contact OSLHA at oslhaoffice@ohioslha.org