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*Number of self-employed hours refers to average client hours per week per year. All categories automatically include any number of employed (W-2 employee) hours. Choose your category by the number of hours you expect to work self-employed (if any). See Frequently Asked Questions for more information.
Annual Professional Liability Rates and Limits for Individuals – rated by occupation.
| Occupation |
Category
Average number of
Self-Employed* hours per week |
Limits of Liability (Occurrence/Aggregate) |
|
$1/3 Million |
$1/5 Million |
|
CA |
All Other States |
CA |
All Other States |
| Marriage & Family Therapist |
0 - 10 |
$115 |
$111 |
$117 |
$118 |
|
11 - 20 |
$180 |
$123 |
$184 |
$131 |
|
20+ |
$320 |
$246 |
$326 |
$263 |
| MFT Intern/Post-Masters Under supervision |
N/A (hours irrelevant) |
$90 |
$95 |
$97 |
$97 |
Mental Health Counselor, LPC, LCPC, EAP, Nationally Certified Counselor, School Counselor, Social Worker, Counselor, Drug & Alcohol Counselor, Case Manager, Rehabilitation Professional, Board Certified Behavior Analyst, Board Certified Associate Behavior Analyst, Limited Licensed Psychologist, EIA Supervisor
|
0 - 10 |
$115 |
$115 |
$117 |
$117 |
|
11 - 20 |
$180 |
$180 |
$184 |
$184 |
|
20+ |
$320 |
$320 |
$326 |
$326 |
| Licensed Clinical Psychologist |
0 - 10 |
$380 |
$380 |
$388 |
$388 |
|
11 - 20 |
$475 |
$475 |
$485 |
$485 |
|
20+ |
$950 |
$950 |
$969 |
$969 |
| Psych Assistant/Associate, School Psychologist, Licensed Educational Psychologist, Post-Doctoral under supervision |
N/A (hours irrelevant) |
$175 |
$175 |
$179 |
$179 |
| Post-Masters/Intern under supervision |
N/A (hours irrelevant) |
$90 |
$90 |
$97 |
$97 |
| Student in accredited program |
N/A (hours irrelevant) |
N/A |
N/A |
$15 |
$15 |
CPH TOP Rates and Limits – rated by number of insured locations.
|
Location |
Limits of Liability (Occurrence/Aggregate) |
|
|
$1/3 Million |
|
1st office location |
$332 |
|
Each additional office location |
$61 |
*Property coverage not available in Florida
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