Malpractice Insurance for Individual Allied and Mental Healthcare Providers

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Malpractice Insurance

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There is little to stop a disgruntled patient from filing a malpractice lawsuit or regulatory board complaint. The complaint may be unfounded, but the time and money spent proving your innocence can quickly add up. Protecting your practice is easy and affordable. Get peace of mind with Malpractice Insurance.

Our expertise in this insurance niche allows us to serve you better. Our customer service has been called “rare for this day and age,” and we’re constantly striving to provide added value to our policyholders through legal resources and educational tools. Currently we provide malpractice insurance to more than sixty eligible occupations.

Student Malpractice Insurance coverage is available for all categories. If you are enrolled in an accredited training program towards your profession, and do not already carry a license or certification, choose the student category that best suits your occupation path.

MENTAL HEALTH

Malpractice insurance coverage for counselors, therapists, psychologists, social workers and and many other types of mental health providers.

ALLIED HEALTH

From audiologists to x-ray technicians, we offer comprehensive malpractice insurance for many occupations within the allied health care industry.

BEHAVIOR ANALYSIS

For those who practice applied behavior analysis including:

  • BCBA/BCABA
  • Behavior Consultant
  • Behavior Specialist
  • Behavior Technician
  • Behavior Therapist
  • Developmental Therapist
  • Licensed Behavior Analyst
  • Licensed Assistant Behavior Analyst
  • Early Childhood Interventionist

NURSES

Malpractice Insurance for Nurse Practitioners, Clinical Nurse Specialists, RNs, LPNs, LVNs, Nurse Aides, and Nurse Assistants.

Note: This program excludes coverage for OBGYN, Neo-natal, cosmetic and aesthetic services.


Mental Health   Professions We Cover

The CPH TOP™ Coverage

GENERAL LIABILITY COVERAGE

Limits of Liability: $1,000,000 each occurrence / $3,000,000 aggregate

Also known as “Slip and Fall” or “Premises Liability" coverage.

THIS COVERAGE ALSO INCLUDES:

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


$15,000 PROPERTY COVERAGE

This covers damage to your property and property of others that is in your care, custody or control.

THIS COVERAGE ALSO INCLUDES:

$50,000 Identity Theft Expense
$50,000 Emergency Real Estate Consulting Fee
$25,000 Temporary Meeting Space Reimbursement
$50,000 Workplace Violence Counseling
$50,000 Image Restoration and Counseling AND MORE…

*Property coverage not available in Florida

CPH TOP Policy Specimen  Download Acrobat PDF

Program Highlights

Professional Liability Insurance provides you the following benefits:

“Occurrence Form” Coverage (see FAQ page for more information)

Protects you for your lifetime for incidents that occur while coverage is in force.

Professional Liability

Covers you for up to $1 million per claim for amounts you become obligated to pay as a result of a professional liability claim against you for services under your insured occupation. Aggregate limits of $3 million, and $5 million are available. Higher limits are available if required by contract.

Unlimited Defense Coverage

Legal fees and court costs involving claims or suits covered by the policy will be paid on your behalf and will not reduce the limit of liability available for a settlement or judgement of a covered claim.

State Licensing Board Defense Coverage

Defense coverage up to $35,000 per year will be provided for civil investigations and/or licensing board disciplinary proceedings from the rendering of professional services. Options to increase this coverage to $75,000 or $100,000 are also available at an additional premium.

Deposition Expense Coverage

Pays up to $10,000 per deposition and $35,000 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.

Portable Coverage

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

Medical Expense Coverage

Pays up to $5,000 per incident and $50,000 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 $15,000 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 $15,000 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 $1,000 per day/$35,000 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.

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.

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. Policyholders simply call us at 800-875-1911 and we will schedule an appointment with the next available attorney.

Follow the link below to view the full Professional Liability Policy Specimen

CPH Policy Specimen  Download Acrobat PDF

Available Discounts

Internet Discount

Save 5% off your professional liability premium just for completing the application online.

Risk Management Discount

Save 10% off your professional liability premium for completing your state’s 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.

The National Psychologist offers one (1) continuing education credit for reading and passing the CE Quiz in each issue. Also available are "stand-alone" CE programs (between 1-3 hours each). Many of these "stand-alone" programs cover Ethics and/or Risk Management topics. Here is one such article, written by Attorney Denis K. Lane. Check with your malpractice insurance provider for possible discounts for taking Risk Management Continuing Education programs.

The complete list of CE offerings is available at: nationalpsychologist.com. Click the "Got CE" icon on the right side of the page to view the courses.

Newly Licensed Discount

If you are 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 within the first year of licensure
  • 25% off if licensed or certified within 24 months of licensure
  • *Licensed Clinical Psychologists only, receive 15% off if licensed within 36 months.
FAQ

Malpractice Insurance Coverage

What is the differences between Occurrence-based and Claims Made policies?

Occurrence coverage is lifetime coverage for the policy period. This means that if there is a claim or suit against you, as long as you were insured at the time of the incident or treatment that resulted in the claim or suit, this policy will still apply. The premium will also remain the same every year and each year will be secured with its set of limits for whichever option was chosen (i.e. $1 million/ $3 million).

A Claims-Made policy will cover claims that occur while the policy is in effect. Coverage starts with a lower premium which increases as the liability increases. If policy holders wish to extend the amount of time they can report a claim after the policy expiration date, they will need to purchase what is known as a “tail coverage" or an "Extended Reporting Period".

Does CPH and Associates offer tail coverage?

We offer Prior Acts Coverage going back to your expiring claims made policy's retroactive date. Contact our office for more information.

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

Customers with Individual policies cannot add employees or interns to their policies. The employees or interns must take out their own policies. Your policy automatically covers you for supervising interns as long as such practice falls under the scope of your licensure.

If you are a customer with group/corporate coverage, you may request to add employees to the policy by accessing your account in our portal.

My Account

Log into your customer portal account to make changes, additions, and upgrades to your policy:

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to Make Changes to update your contact information and make changes (or additions) to your existing policy

*Please note is it your responsibility to notify CPH of any changes to your name or contact information.

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

Some coverage for Bodily Injury & Property Damage Liability is already included under the “Supplemental Liability” portion of your Professional Liability coverage. See the "Supplemental vs. General Liability" FAQs below or the Program Highlights above.

What do the "Limits of Liability" mean?

The first number (“Per Incident” or “Per Occurrence”) refers to the maximum amount that can be paid as "damages" for any single claim. The second number (“Aggregate”) refers to the total amount that can be paid for all claims during the policy period (in our case, the "policy period" = 1 year).

Defense costs are unlimited and are not deducted from the limits of liability.

How do I take out a group policy?

Currently, group/corporate/non-profit entities may not apply online. In order to take out a group or corporate policy, you must fill out the Group Entity application available in the Business Entities section on our website. Group policies cover the named corporation and any individuals included on the policy for practice under the umbrella of the corporation. At least one person must be listed as owner/partner/principal in order to take out a group policy. All administrative staff are automatically covered under the policy and do not need to be named on the application.

If you are currently insured under an individual policy, you do not need to take out a second policy. You may instead upgrade your current policy to corporate status. See instructions for making changes under the Customer Service section of our website.

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

If your professional practice is incorporated, you can take out a corporate policy even if you are the only employee. You would still use the Group Entity application, but you would list yourself as the sole Owner/Partner/Principal.

If you do additional practice outside the umbrella of your corporation, you may elect to add a “Work Outside” endorsement when you complete the application for coverage.

If you are currently insured under an individual policy, you do not need to take out a second policy. You may instead upgrade your current policy by accessing your account in our customer portal.

Click here to upgrade your policy through the "Make Changes to Your Policy" section.

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

If you have a corporation providing mental health services, it can be sued separately as its own entity in addition to any suits against individual counselors that may be working for the corporation. Paying an extra 10% of the premium for “Separate Limits” gives the corporation name itself its own limits of liability (for example $1Million Occurrence/$3 Million Aggregate) in addition to the existing ($1/3 Million) limits of liability covering all individuals listed under the policy. “Shared limits” means that if the corporate entity is sued in addition to any individuals, the $1/3 Million limits of liability must be shared between them, and the coverage may be exhausted more quickly.

NOTE: Separate limits will only be issued in amounts identical to those covering the individuals listed on the policy (e.g. $1/3 Million limits; $1/3 Million separate limits). Separate limits are NOT available in denominations differing from the main set of limits (e.g. $1/3 Million limits; $2/4 Million separate limits).

Can I cover my administrative staff?

If you have a group/corporate policy, administrative staff are covered automatically and do not need to be listed on the policy. If you have an individual policy, you cannot cover your administrative staff.

NOTE: Patient intake personnel are not considered to be "administrative staff." To cover them under a group policy, they must be named and paid for as employees

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

Policies written on a Claims-Made basis contain a specific date on which coverage begins (commonly known as the "retroactive date") and provides no coverage for claims arising out of occurrences that take place prior to this date.

Your policy with CPH & Associates is written on an occurrence basis, and there is no "retroactive date" named in the policy. Occurrence coverage applies to claims or suits resulting from professional incidents occurring during the policy period. See the "Occurrence Coverage vs. Claims Made" section below for additional information about the differences between the two policy types.

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

Yes - provided such practice is authorized or allowable under the scope of your license in the state where you practice and provided you are performing such services lawfully. Contact your state licensing board if you are unsure.

Applying for and Renewing Coverage

Can I submit my application online?

Apply for a New Policy

Business Entities: Click here to download the appropriate printable application. Business entities cannot apply online at this time.

Individual Professionals: Click here to receive an instant quote and apply for coverage.


Renew Your Policy

My Account

Log into your customer portal account to renew your existing CPH Malpractice Insurance policy.

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, click the green Renew my Policy button in the upper left-hand corner. This will direct you to the new CPH online application.
  • Once your application and payment information have been approved, a copy of your policy documents will be automatically emailed to you.
Can I apply over the phone?

No, we do not accept applications over the phone. Every application must be completed in full and signed by the insured.Applications may be submitted online or via mail or fax.

How do I know when I am covered?

Normal processing time for applications is 1-2 business days after the application has been received in our office. Once processed, your documents are sent immediately via email (or mail, if you do not provide an email address).

Applications submitted online will result in a confirmation page with links to your documents. In addition, the documents are automatically emailed to you.

You can also pull up copies of your most current policy documents anytime through our customer portal.

Log into your customer portal account to retrieve your proof of coverage or other policy documents:

My Account

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to My Documents to retrieve your proof of coverage (certificate of insurance) or other policy documents
What if I can't apply online but need proof of coverage as soon as possible?

Normal processing time for applications is 1-2 business days after the application has been received in our office. Once processed, your documents are sent immediately via email (or mail, if you do not provide an email address).

You may also download your documents through our customer portal.

Log into your customer portal account to retrieve your proof of coverage or other policy documents:

My Account

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to My Documents to retrieve your proof of coverage (certificate of insurance) or other policy documents

Credentialing agencies may also contact us directly to verify that you have coverage.

Can I apply by mail?

Yes, you can use our Printable Applications to apply by mail.

Business Entities: Click here to download the appropriate printable application.


Individual Professionals: Click here to find your occupation using our new Search Bar. Once you reach your occupation-specific landing page, you can download the appropriate application for coverage.

Do I need to send money?

Yes applications are considered incomplete without payments in full. Payment is made at one time each year, in the form of one single payment. Payment may be made by check, money order or Visa or MasterCard. Make sure to total your premium correctly using the space provided on the application, as incomplete payments will slow your application process.

Group entity/Corporate/Non-Profit applicants are exempt from this requirement--upon receipt of your application, we will rate the application and then bill you for the amount due. Payment is still required in full by the due date designated on your bill.

When can my coverage become effective?

New applicants may request an effective date as soon as the date the application is received in our office and up to 75 days into the future. Effective dates cannot be backdated. If you do not select a "desired effective date," we will default to the date the application was received.

Renewals become effective the date the current policy expires. Customers may renew no earlier than 75 days prior to their expiration date.

What is an Additional Insured?

An Additional Insured is usually your landlord (someone you hold a lease with), an employer, board members, or an agency you contract with. Adding them to your policy gives that entity protection (an identical set of limits of liability) under your policy. These limits will be used in the event that they are sued for a Professional Incident that arises from services that YOU provide while under contract with them.

NOTE: A business partner, employee, sublessor, intern you are supervising, or a corporation that you own CANNOT be added as Additional Insureds. These cases may require that each individual take out their own coverage or that a group/corporate policy be started. In no way will the policy cover Professional Incidents that arise out of acts, errors, or omissions made by the Additional Insured entity.

Do I qualify for any discounts?

If you have recently (within the last 24 months) been licensed or certified for the first time* as a mental health professional, or if you have taken a continuing education course**, you may qualify for discounts. See the application for more detailed instructions.

NOTE: If you are considered Category D or E (Student, Post-master’s/Intern under supervision, Post-Doctoral under supervision, Psych. Assistant/Associate, or if you are required by your state to practice under supervision), you do NOT qualify for ANY discounts.

*You do not qualify for any Newly-Licensed discounts if you have held a previous license or certification in any state and/or if you have possessed the credentials (required by your state) to practice unsupervised for more than 24 months, if your state does not require licensure or certification to practice unsupervised, or if your state has just recently passed licensure laws where licensure was not previously available or required. The key here is that this discount is meant for new professionals, not people who have recently become licensed due to changes in state law or who elected to get a higher level of licensure than the minimum required to practice in your state.

What is the Allied Health Risk Purchasing Group Fee?

This administration fee is implemented to ease the rising expenses of administration services and technology improvements. This fee enables us to continue to offer our insureds the superior services our customers have come to expect from CPH and Associates.

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

Categories A, B, and C are for professionals with full credentials (licensed, registered, or certified by your state). Category D is for students in practicum. Category E is for Post-Master's or Post-Doctoral individuals who are NOT yet fully-licensed and are required to be supervised as they complete hours toward a license.

ALL categories cover an unlimited amount of EMPLOYED work, meaning work where you are a W-2 employee and have taxes taken from a paycheck. Do not factor these hours into making any distinctions between categories.

In order to choose among the 3 categories for fully licensed or certified professionals (categories A, B, and C), choose your category based on the average number of hours you work a week as a SELF-EMPLOYED therapist (NO taxes taken out of your paycheck).

Special Cases: LEP, School Psych, and Psych Assistant/Associate are Category E.

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

For Professional Liability coverage, we only keep one address for you on file, and this is your mailing address. Your Professional Liability coverage is portable, meaning that you are covered for practice no matter what physical address you are using for counseling, provided that you are practicing under the scope of your licensure and within the U.S. To change your mailing address online, click here.

If you have purchased Commercial General Liability coverage, you must provide us with the physical premises address of each primary location you have insured. You are not required to provide us with the address of locations where you practice on a temporary or very limited basis UNLESS you have requested a certificate of insurance naming such locations as "Insured locations."

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

Coverage only extends to practice within U.S. states or territories. You are required to provide a mailing address within the continental U.S., Alaska or Hawaii. Military personnel must provide an alternate mailing address—we cannot accept APO addresses as your mailing address.

What is a DBA?

DBA is an abbreviation for "Doing Business As". This section should be completed only when you operate as an individual or partner under a registered fictitious trade name (example: ABC Therapy Group) Certificates of insurance would be issued to the individual using the business name ABC Therapy Group.

If you are incorporated this is not a DBA. In order to cover your corporate entity, you need to complete a Group Entity application. These applications are available for downloading from this website.

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

The general rule is that as long as both licenses types fit the profile of what we normally insure, you pay the higher premium of the 2 licenses (e.g. if you are a clinical psychologist and an MFT, you would pay the psychologist rate), but there is no additional charge to cover the second license. However, if the additional occupation requested is irregular and does not appear in the list of insurable occupations on our homepage, or if you are requesting that we cover additional services provided (such as mediation, biofeedback, or hypnotherapy) that are considered to fall outside of the normal scope of your licensure, there will be a charge for an additional 10% of your premium for adding the additional occupation/set of services.

If you would like coverage for more than one license or additional services provided outside the scope of your primary license, attach a separate sheet of paper to the application, outlining what you need coverage for. Provide us with all license/certification #’s that apply. The underwriter will review it to determine the best way to write your policy.

NOTE: The online applications currently only accept one occupation. Whether you are a New applicant or a Renewal, you still must make a written request each year in order to insure the second occupation. To have the policy endorsed to cover multiple licenses, we recommend applying by mail or fax. If you have already applied online and would like to insure a second occupation, you may follow your application with a written request via email. Be sure to include your name and policy number on all correspondence.

What is the "CPH TOP"?

CPH TOP is an optional enhancement that will add the following coverage to your professional liability policy:

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

  • Bodily Injury & Property Damage Liability
  • 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:

  • $25,000 Identity Theft Expense
  • $25,000 Emergency Real Estate Consulting Fee
  • $25,000 Temporary Meeting Space Reimbursement
  • $25,000 Workplace Violence Counseling
  • $25,000 Image Restoration and Counseling
  • Aan more…

This coverage is new to our program and has been added due to high demand from our many policyholders. We created this enhancement specifically to meet the needs of the counseling practitioner with a small office. Property coverage is currently unavailable in Florida.

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

Law and ethics, HIPAA. A minimum of 4 CEU's completed within 24 months prior to your policy effective date is required unless you can demonstrate that your state requires a lesser number of CEU's to fulfill re-licensing requirements for either Law, Ethics, or HIPAA.

If you are not sure if the course you have taken fulfills your state requirements, contact the course administrator or your licensing board. Typically, the course must include the words "Law," "Ethics," or "HIPAA" in its title to qualify for our discount.

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

If you are an intern/post-master’s AND you are required by your state to complete a number of supervised hours towards a license, you are eligible for the "Intern" rate. If you are currently insured and originally applied under student or trainee status, you must upgrade your policy to reflect your new employment status.

After you have completed your intern hours and receive your full state licensure or certification, you may be eligible for the 50% savings the first year off of your professional rate at the time of your next renewal. This rule is subject to review based on the state you live in.

Can faculty members be covered on Student Blanket Policies? Is there an additional cost?

Faculty members are automatically covered for claims arising out of incidents while supervising and instructing students insured under the provisions and within the limits of the student blanket policy and there is no additional premium charge for this coverage.

Can the school be covered on a Student Blanket Policy?

Yes, the school may also be covered for an additional charge of 25% of the students' total annual premium. When a lawsuit results from a student's action, the school will often be named in the suit. This policy will provide coverage for the school when it is named in the same claim or suit for damages for which a student and /or faculty member insured under the policy is also named, however, it will not provide coverage for a claim or suit if the school is solely named.

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

"Individual Student" applications are for ONE student to take out their own individual policy. "Student Blanket" applications are for universities taking out coverage for multiple students. Currently, Student Blanket group policies cannot be purchased online. To open and print a Student Blanket application, go to the Printable Applications section of this website.

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

Generally speaking, students can add supervisors or agencies where they are doing practicum. Students may not add landlords as Additional Insureds. All other cases are subject to review.

Claims and Risk Management

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?

If you are a member of a professional association such as AAMFT, CAMFT, AMHCA or ACA, we recommend to first always call your professional association. Many of them have attorneys on staff and can provide legal and ethical guidance as well as share with you valuable practical experience they have gathered from other members who may have experienced similar dilemmas. Do not underestimate the value of your professional association as a practical resource and advocate on your behalf!

If you are a policyholder, you can also call CPH and Associates at 800-875-1911. Depending on the nature of your question, we may be able to set up a phone appointment with an attorney with our "Avoiding Liability Helpline." "Helpline" calls are limited to 2 hours per policy year.

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?

First, determine whether or not you were insured with CPH and Associates at the time of the incident or treatment that led to the complaint or claim. You must have been insured with CPH and Associates at the time of the incident in order for coverage under this policy to apply.

Log into your customer portal account to report a claim:

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to Report a Claim to complete an Initial Incident Report or Subpoena Notification Form
  • If you electronically report your claim, it will be automatically sent to CPH
  • If you choose to print the PDF form and manually submit it to CPH, you can scan and email the form to claims@cphins.com or fax to 312-987-0902

*These forms are used not only to notify us in the event of a situation that may lead (or has led) to a claim or suit but also to collect other policy benefits such as reimbursement for deposition expenses or licensing board investigation expenses.

Making Policy Changes

I am already insured with CPH and Associates. How do I renew my policy?

Save time -- renew online! Individuals may renew online up to 120 days prior to your policy expiration date.

Printed renewal notices are automatically mailed out to all customers at least 60 days prior to the date your policy expires. These applications are mailed to the address on file. If your mailing address changes, it is your responsibility to notify us in writing of your new mailing address. CPH & Associates is not responsible for renewal applications that are returned to our office as a result of incorrect mailing addresses.

Your policy will expire on the expiration date if the completed application and full valid payment have not been received by our office as of that date. Any "grace period" beyond the expiration date that is extended to an Insured for processing of the renewal application is done so as a courtesy and on a case-by-case basis at the discretion of the underwriter. Any such "grace period" shall not extend beyond 30 days after the policy expiration date, and should you fail to complete the renewal process by the end of the "grace period," the policy will expire on the previously designated policy expiration date. "Grace period" eligibility will be determined upon review of your completed renewal application by an underwriter. Any representations made to you by a customer service representative regarding potential eligibility for a "grace period" will not bind CPH & Associates to any obligation to award such a "grace period" if upon review of your file we determine you are ineligible.

NOTE: If circumstances require that you answer "yes" to any of the qualification questions on the renewal application, you will not be eligible for such a grace period, and the policy will expire on the designated expiration date if the application process has not been completed as of that date.

Group entity/corporate/non-profit policies can only be renewed using the paper renewal applications. Contact our office at info@cphins.com if you need another copy. Please do not use the printable applications on this website for your renewal--this could result in duplicate coverage.

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?

No, in most cases you do not need to fill out a new application or take out a new policy. Usually, you can change your policy to fit your needs. If you fill out a new application instead of upgrading, you may actually overpay for your policy or end up with duplicate coverage. Instead, send us a request in writing to change your policy (see the next question for more detailed information).

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?

If you have become licensed during the current policy year and are upgrading your coverage, you will not receive the newly-licensed discount at the time of the upgrade. You will be able to take the 50% discount off of the full premium (as opposed to a discount off of the lower, pro-rated premium) when you renew your policy for the next year. In the end, this will be a bigger discount because you will then be eligible the next year for a 25% discount off of the full premium.

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

Yes, you can change your address online by logging into your account in the customer portal.

Log into your customer portal account to make changes, additions, and upgrades to your policy:

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to Make Changes to update your contact information and make changes (or additions) to your existing policy

*Please note is it your responsibility to notify CPH of any changes to your name or contact information.

Please remember that your coverage is portable, so the address we keep on file is a mailing address only. You do not need to inform us each time you change the location of your practice unless you would like your mailing address to change as well.

If you do make a change to your mailing address, we will send you an endorsement within the next week that amends the policy. Endorsements are not created for phone or email changes.

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

Any premium adjustments will be pro-rated and the customer will either be refunded the leftover premium or billed for additional premium owed. Unless we require more information from you, changes will be processed first and then you will be billed for any required payment.

All required information and payment must be received in our office within 30 days from the date of your request or the change will be deleted from the policy. Changes to the policy are usually processed within 5-7 business days. Documents outlining changes made to the policy are automatically mailed to the insured immediately upon completion.

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?

Log into your customer portal account to make changes, additions, and upgrades to your policy:

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to Make Changes to update your contact information and make changes (or additions) to your existing policy

*Please note is it your responsibility to notify CPH of any changes to your name or contact information.

Requests to change the policy cannot be backdated but may be requested up to 75 days in advance.

*Third parties cannot make changes to a policy. All requests must be submitted or otherwise formally authorized (in writing) by the Insured.

Is it OK to let my policy lapse?

Generally speaking, while you are practicing it is recommended that you always maintain continuous coverage. If you allow your policy to lapse, you will have to reapply for a new policy. If you have had 2 or more lapsed or canceled policies with CPH & Associates, you are ineligible for another policy with our company.

If you must allow your policy to lapse because you will not be practicing for an indefinite time period (e.g. due maternity leave, a break between completion of your professional degree and receipt of your license, a break between the end of your student practicum and provisional licensure or intern registration, or to begin retirement), please notify us in writing prior to your policy expiration date so that we may mark your record and prevent lapse notices from being sent to you. If you choose to reapply at a later date, having pro-actively notified us of your impending lapse may allow us to make an exception to the 2-lapse rule (subject to underwriter approval).

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

If you have canceled or allowed a policy to lapse and did not secure another policy to begin effective the date your previous policy lapsed or was canceled, there is a "gap" or period of time between the prior and subsequent policies where you are uninsured. This means, if a claim arises out of a Professional Incident or therapy occurring during this "gap," the insurance company will not be obligated to pay the claim on your behalf.

Other disadvantages to having coverage gaps:

  • Insurance companies (including CPH & Associates) may decline to write a new policy on your behalf due to the gaps in your coverage.
  • If a claim arises out of therapy that was conducted over a period of time during which there was a gap between policies, any assistance from any involved insurance company could become delayed or declined altogether due to the existence of a gap

Website Troubleshooting

Is your website safe for my credit card information?

Our website has been issued a QuickSSL certificate to enable server security. This security certificate is verified by GeoTrust.

"Sites secured by QuickSSL are utilizing 256-bit SSL certificates thereby offering the highest level of encryption or security possible. This means you can rest assured that communications between your browser and this site's web servers are private and secure."-- GeoTrust

Your credit card information is authorized through a secure 3rd party (a subsidiary of Visa), so the credit card information you submit is never stored or available to us in its entirety.

Note: If your browser gives you an error message stating that it "cannot establish a secure connection" to our server or that it is "unable to verify" the security certificate for this site, this is because your browser may not have a sufficient encryption level to support this site. If this happens, we recommend trying again using a newer browser or sending the application via fax or mail.

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?

Your internet browser may be the culprit--you may want to try viewing the site using a different browser. Normally, we recommend using Chrome, Safari, Firefox, and Internet Explorer (version 10.0 or newer). If you do not have a different browser installed on your computer, please consider using a different computer, or apply by mail or fax.

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

CPH & Associates does not send advertisements or share our customer information with third parties.

If you have Adware or Spyware (or a virus) on your computer, it can cause any attachments that you open to point to a different file. Try pulling up your documents directly from our customer portal. Otherwise,contact us for a mailed or faxed copy. Log into your customer portal account to retrieve your proof of coverage or other policy documents:

  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to My Documents to retrieve your proof of coverage (certificate of insurance) or other policy documents
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?

The most common reasons for this are:

  1. You answered "Yes" to one of the qualification questions on the application. "Yes" answers require additional underwriting and must be processed in our office rather than electronically. To expedite the process, provide as much detail as possible in your explanations to any "Yes" answers. Please mail or fax the application to us, and if faxing, please call 5 minutes later to confirm receipt.
  2. The credit card billing address that you entered did not match the address the card company or bank has on file for you, or you may have mis-typed your card information or used a card that has expired or reached its limit. If you think you can correct the problem, you may re-try your online application.
  3. You attempted to add an additional insured that is NOT a landlord. These too require additional underwriting. Please mail or fax the application to us.
  4. Renewal customers only: you have notified us of a claim, complaint, board action, or other professional circumstance that falls under the category of claims activity. Please mail or fax the application to us.

PLEASE NOTE: Your credit card information is authorized through a secure 3rd party (a subsidiary of Visa), so the credit card information you submit is never stored or available to us in its entirety. If your application is declined online you will need to provide payment with the application you submit by mail or fax.

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

Normally, the website demonstrates that it is processing your application by showing a scrolling message that says “Processing, please wait.” If you didn’t see this message, your internet browser may have timed out. Sometimes browsers (such as Internet Explorer) timeout after a page has been open for a certain length of time. When you successfully apply online, you should receive a confirmation page as well as an email showing your proof of coverage. To find out, first:

  • Check your email to see if your documents arrived. It can take a few minutes for your documents to be generated and sent to you. Make sure to check any “Spam” or “Bulk” folders that may filter out messages from unknown senders.
    Try to look up your policy documents through our customer portal. Once a policy has been issued, your documents will be available to download.
  • Log into your customer portal account to retrieve your proof of coverage or other policy documents:
  • Click the My Account button above to log into your CPH customer portal account
  • Once in the portal, go to My Documents to retrieve your proof of coverage (certificate of insurance) or other policy documents

Contact us if you would like us to check and see if your application was submitted OR reapply by web, mail, or fax.

  • If your internet browser timed out, most likely the application was not submitted to our database. If your credit card has not been charged, we have not processed your application, and you may try again online. If filling out the application again, try to complete it as quickly as possible to avoid another timeout.
Have Questions? click here, We’re happy to help!