Coverage Features

Professional liability insurance is the cornerstone of insurance coverage carried by mental health professionals like you. The threat of a liability claim is a significant risk to your reputation and livelihood, our policy includes the cost to defend and resolve claims, even frivolous ones. Get covered today!

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Policy Checklist and Coverage Features

  • Professional Liability coverage created specifically to address the exposures faced by mental health professionals like you, including psychoanalysts, psychologists, psychotherapists, and social workers
  • This policy is written on an Occurrence Form — no need to buy tail coverage if you retire or stop practicing as a mental health professional
  • Liability Limits available up to $5,000,000
  • Claim/Defense expenses are in addition to and do not erode the limits of liability, protecting those limits in the event that you are faced with a covered judgment or settlement
  • Zero Dollar Deductible — provides you immediate coverage with no out of pocket costs should a covered incident or claim occur
  • Includes Combined Professional and Premises Liability*
  • Policy includes feature which requires the carrier to obtain your consent to settle a claim (not available in all states)
  • Severability of limits subject to overall aggregate limit of liability
  • A rated carrier by A.M. Best –

* In Illinois, Premises Liability offered as a separate limit with limit options

  • Loss of earnings due to court or other defense hearings — up to $500 per day
  • Coverage for services on an Accreditation or Review Board
  • Defense coverage for discrimination suits, for instance, if a client alleges they were discriminated against because of a protected class
  • $25,000 limit for Punitive, Exemplary or Multiplied damages where insurable by law
  • Covered insureds include:
    • Psychoanalysts
    • Spouse if a sole proprietorship
    • Partnerships or joint ventures if named
    • Corporations
  • Administrative Hearings Coverage included for $5,000 limit with higher sublimit options available:**
    • $10,000 | $25,000 | or $50,000
  • Corporate Identity Protection included for $10,000 limit, with higher sub-limit options available:
    • $25,000 | $50,000 | or $100,000

Corporate Identity Protection Covers:

    • Personal Liability
    • Administrative actions related to personal identity expenses
    • Identity event services — notifications cost, crisis expense, post event services such as third party corporate identity theft education and assistance and credit file monitoring expenses
  • Territory – Covers occurrences anywhere in the world if suits are brought in the U.S., its territories or possessions, Canada or Puerto Rico
  • Full & Part Time Rates

** In Maryland, $5,000 coverage is not included but available for purchase

  • Defense for Billing Errors & Omissions sub-limit options of $25,000 or $50,000***
  • Defense for HIPPA sub-limit $25,000 ***
  • Additional Insured coverages available for Managers or Lessors of Premises
  • Claims arising out of Electroconvulsive Therapy if this is one of the services you perform
  • Coverage for the prescribing of Prescription Medication

*** (not available in AZ, FL, CO)