CPH and Associates Professional Liability Insurance Counselor Malpractice

Frequently Asked Questions

Answers to most customer questions about coverage and the application process can be found here.

The Application Process

Q. Can I submit my application online?

Q. Can I apply over the phone?

Q. Can I apply by fax?

Q. How do I know when I am covered?

Q. What if I can't apply online but need proof of coverage as soon as possible?

Q. If I already sent a fax with credit card information, do you need the hard copy sent to you in the mail?

Q. If my fax machine prints a confirmation that the fax went through, should I assume that you did receive it?

Q. Why should I call your office 5 minutes after I faxed the application? Why not an hour later or the next day?

Q. Can I apply by mail?

Understanding the Application

Q. Do I need to send money?

Q. When can my coverage become effective?

Q. What is an Additional Insured?

Q. Do I qualify for any discounts?

Q. What kind of courses are acceptable to take the risk management discount?

Q. How do I choose my category? What do the "employed and/or self-employed" hours mean?

Q. Do you need the address of each place where I am practicing?

Q. I am practicing outside of the Continental U.S., Alaska or Hawaii—do I still qualify for coverage?

Q. What is a DBA?

Q. What if I have more than one license/occupation that I need coverage for?

Q. What is the "CPH TOP"?

Student Program

Q. I am a recent graduate from school. What do I do?

Q. Can faculty members be covered? Is there an additional cost?

Q. Can the school be covered?

Q. What is the difference between the "Individual Student" and "Student Blanket" applications?

Q. I am a student. Who can I add as an Additional Insured?

Current Policyholders

Q. I am already insured with CPH and Associates. How will I renew my policy next year?

Q. I am already insured with CPH and Associates, but the type of policy that I need has changed. Do I need to fill out a new application and take out a new policy?

Q. I am a new professional who recently became licensed/certified for the first time, and I am upgrading my employment category to reflect this change. When do I receive the 50% newly-licensed discount?

Q. I just want to change my mailing address, phone number, or e-mail address. Can I do this online instead of submitting a written request?

Q. What happens once I have submitted a request to make a change?

Q. I want to make a change to my policy, (upgrade limits/hours, change licensure status, correct spelling, change my mailing address, cancel my policy, etc.) How do I start the process?

Q. Is it OK to let my policy lapse?

Q. What does it mean if I have a "gap in coverage?" Are there any disadvantages to having a gap?

Professional Liability Insurance Coverage

Q. I am supervising interns. Can I cover them under my policy?

Q. Is there any coverage for the premises where I am seeing clients?

Q. What do the "Limits of Liability" mean?

Q. How do I take out a group policy?

Q. What if I am incorporated and the only employee of my corporation. Can I cover both under one policy?

Q. What does "separate limits" mean on the Group Entity application?

Q. Can I cover my administrative staff?

Q. What is a retroactive date? Does my policy have one?

Q. Does this policy cover online therapy (also called e-therapy or Internet therapy)?

CPH TOP

Q. What does my Supplemental Liability Cover?

Q. What does the CPH TOP cover?

Q. How is General Liability different from Supplemental Liability?

Q. How do I apply for CPH TOP?

Q. How does the CPH TOP compare to a Business Owners Policy?

Q. Is there a deductible?

Q. How is my Personal Property covered?

Occurrence Coverage vs. Claims Made Coverage

Q. What type of coverage do I have with CPH & Associates?

Q. What are the main differences between Occurrence-based and Claims Made policies?

Q. Does CPH and Associates offer tail coverage?

Risk Management

Q. I am not getting sued, but have legal questions regarding a situation with an existing client. Who can I talk to in order to try to prevent a claim situation from occurring?

Claims

Q. I have received notice of a claim or lawsuit against me, a subpoena, a summons, or another complaint which might result in a claim against me, or I need to collect reimbursement for one of the Additional Policy Benefits listed under Section C of Coverages listed in my policy booklet. What do I do?

Website Questions

Q. Is your website safe for my credit card information?

Q. The page does not appear to display correctly (fields seem to be missing or are out of place, or I can't seem to scroll over to view the whole page). What can I do?

Q. I received an e-mail from you, but the attachment appears to be an advertisement for another business. Did you send this to me?

Q. I attempted to apply online but received an error message that directed me to print the application and fax or mail it to you. Why did this happen?

Q. I filled out the online application and clicked "Purchase," but nothing happened. What is wrong?

Volunteering in a time of crisis...

Q. I have decided to go volunteer in a different U.S. state due to a crisis situation (such as the aftermath of Hurricane Katrina). Does my policy automatically cover me for this work?

Louisiana Tax Forms

Q. I received a form from your office requesting that I sign Louisiana tax form 1265-B in order for my coverage to be properly filed in Louisiana. What does this mean, and should I sign it?

Q. How much time do I have to return the form to you? What if I lose it?

Q. How can I send the form to you?