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 Program Highlights
 

"Occurrence Form" Coverage (see FAQ page for more information)
Protects you for your lifetime for incidents that occur while coverage is in force.

Portable Coverage
Coverage follows you for both employed and self-employed services … in your office or in your community.

Professional Liability
Philadelphia Insurance Companies protect you for the rendering of or failure to render professional services. Choose between limits of $1/3 million or $1/5 million.

Supplemental Liability
Pays for legal liability for bodily injury, property damage and personal injury liability claims that occur while you are rendering your professional services. Limits of $1/3 million or $1/5 million are available.

Unlimited Defense Coverage
Legal fees and court costs involving claims or allegations covered by the policy will be paid on your behalf at no additional cost.

Regulatory Investigation Defense
Defense coverage up to $25,000 per year will be provided for civil investigations and/or licensing board disciplinary proceedings from the rendering of professional services.

Legal Fees Reimbursement for Deposition Testimony
Pays up to $5,000 per deposition and $15,000 per policy period for legal fees and expenses you incur for appearance at a deposition related to counseling performed. This does not extend to services as an expert witness.

Medical Expense Coverage
Pays up to $2,500 per incident and $25,000 maximum per policy period regardless of fault, for necessary medical expenses incurred within a three year period from the date of an accident arising out of professional services rendered by you.

First Aid Coverage
Pays up to $2,500 for amounts which you voluntarily pay or incur for first aid rendered to others as a result of bodily injury covered by this policy.

Assault Coverage
Pays for expenses you incur, up to $5,000 for bodily injury to you or property damage to your personal property resulting from an assault on you while traveling to and from your place of employment.

Defendant’s Reimbursements
Pays up to $500 per day/$15,000 maximum for actual loss of earnings you incur for attendance at a trial or hearing. The suit or proceedings must result from an injury covered by the policy.

Avoiding Liability Helpline
The Avoiding Liability Helpline provides CPH policyholders with up to 2 free hours of consultation with an attorney per policy period for legal questions related to an existing situation with a client that is not otherwise covered under the policy benefits. The purpose of this helpline is to reduce your liability exposure in a situation that, if not handled properly, could potentially lead to a claim or complaint against your license. Policyholders can speak with attorneys knowledgeable about areas of practice such as confidentiality, child abuse reporting requirements, patient access to records, dangerous patients, dual relationships, and other topics crucial to their practices.

Newly Licensed Discount
If you have been newly licensed or certified (for the first time) within 36 months, you may be eligible for a newly licensed discount: 50% off your professional liability premium if licensed or certified  within 12 months, or 25% off if licensed or certified within 24 month.  Licensed Clinical Psychologists only, receive 15% off if licensed within 36 months

Risk Management Discount
Save 10% off your professional liability premium for completing your states Legal and Ethical CEU requirement for licensure renewal. If your state doesn’t have a requirement you can still save if you have taken 4 Law or Ethics CEUs within 2 years of your effective date. This discount applies only to fully licensed professionals. A combination of discounts cannot exceed 50% off the premium.

Internet Discount
Save 5% off your professional liability premium just for completing the application online. Receive your proof of coverage in MINUTES. Note: a combination of discounts cannot exceed 50% off the premium.

Optional Coverage:

CPH TOP:  Includes the following

GENERAL LIABILITY COVERAGE. Also known as “Slip and Fall,” or “Premises Liability", coverage. This coverage also includes:

  • Bodily Injury & Property Damage Liability
  • Personal & Advertising Injury
  • Host Liquor Liability
  • Personal Liability
  • $250,000 for Fire & Water Legal Liability (damage to the rented premises)

$15,000 PROPERTY COVERAGE, which covers damage to your property and property of others that is in your care, custody or control. This coverage also includes:

  • $5,000 Identity Theft Expense
  • $5,000 Emergency Real Estate Consulting Fee
  • $5,000 Temporary Meeting Space Reimbursement
  • $5,000 Workplace Violence Counseling 
  • $5,000 Image Restoration and Counseling
                                        AND MORE…

*Property coverage not available in Florida