Business Entities Corporations, Group Practices & Nonprofits

Outpatient Mental Health & Allied Health Practices

If your organization provides outpatient mental health or allied health services, please complete the application below. If you have formed a corporation, it is important the corporate name is protected under your insurance policy.

Your policy can be effective as early as the day we receive your application and we will underwrite and process a quote within 48 hours. Payment is due within 30 days of your effective date.

Apply Now

Please send your completed application to applications@cphins.com or fax to 312-987-0902.

Application for Coverage

Download, print, and complete the form below to receive a comprehensive quote for coverage.
*Please note: Instructions for submitting your completed form to CPH can be found on the document.

Download Acrobat PDF

Quote Request Form

Download, print, and complete the form below to receive a premium indication. A full application will be required to bind coverage.
*Please note: Instructions for submitting your completed form to CPH can be found on the document.

Download Acrobat PDF

Benefits of Corporate Coverage

Whether you operate a one-person LLC or large corporation, it’s important to adequately cover your business entity with corporate coverage.

  • Why do one-person businesses need to apply for corporate coverage?
  • If a claim or lawsuit arises from your professional services, it’s possible for your business entity to be named in the lawsuit. An individual policy will not provide any coverage for your business entity for claims, incidents, or lawsuits arising from your professional services.

  • Will a policy under my individual name cover my business if I’m the sole owner?
  • No, an individual policy will only cover you as an individual provider and does not cover your business entity, even if you are the sole owner or employee.

  • Can I simply add my business as an additional insured on my individual policy?
  • No, you cannot add a business entity you own or operate as an additional insured. You must upgrade your policy from individual to corporate coverage in order to appropriately cover your business entity.

  • Will having corporate coverage change my premium?
  • Corporate coverage is rated differently than individual coverage, but does not always guarantee there will be an increase. Your corporate application is subject to underwriting review.


    Mental Health   Policy Specimen

    Protect Your Business with 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)


    Business Personal Property Coverage

    Limits of Liability: $15,000

    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

          Download CPH TOP Policy Specimen

    Human Services Agencies

    The human services program is uniquely designed to provide a wide range of special insurance coverages to meet the needs of social service agencies. Starting with a stand-alone Professional Liability policy we have a broad range of optional coverage add-ons including: General liability, Personal Property, Sexual Abuse & Molestation, Business Income and Extra Expense and more.

    ELIGIBLE EXPOSURES:

    • Elderly in-home assistance
    • Respite Care
    • Cultural/linguistic assimilation programs
    • Independent living
    • Religious organizations (if church/worship exposure, camp, daycare center or school only)
    • Sheltered workshops
    • Vocational education
    • Hotline (not crisis intervention)
    • Day care centers/schools-Head Start
    • Residential-developmentally disabled
    • Adult day care
    • Fundraising organizations
    • Residential care for children with emotional or behavioral problems Substance abuse rehabilitation facilities

    INELIGIBLE EXPOSURES:

    • Adoption services
    • Alzheimers / Dementia / HIV Birth Centers / Pregnancy Clinics
    • Correctional Facilities
    • Crisis intervention (suicide prevention hotline)
    • First aid / ambulance squads
    • Foster care placement (> 25% of operation)
    • Juvenile justice
    • Legal services
    • Medical Exposure of any kind (physicians)
    • One-on-One Mentoring (Big Brother – Big Sister)
    • Physical Therapists
    • Sex Abuse offenders
    • Therapeutic or Medically Fragile Children

    Apply Now

    Please send your completed application to applications@cphins.com or fax to 312-987-0902.

    Human Services Application:   Download Acrobat PDF

    Mental Health   Policy Specimen

    Student Blanket Coverage for University Programs

    The Student Blanket Professional Liability Insurance provides comprehensive financial protection against incidents involving students.

    This policy includes:

    • Generous occurrence and aggregate limits
    • Faculty members covered for supervision of students
    • Legal defense costs in addition to the limit of liability
    • Optional coverage naming School or university as an additional insured

    Please send your completed application to applications@cphins.com or fax to 312-987-0902

    Student Blanket School Program Application (For University Programs)   Download Acrobat PDF

    Mental Health   Policy Specimen

    Health & Fitness Club/Studio/Facility

    If you are the owner of a health and fitness club/studio/facility complete the below group application and specialties supplement if applicable. Please send your completed application to applications@cphins.com or fax to 312-987-0902. Your policy can be effective as early as the day we receive your application and we will underwrite and process a quote within 48 hours. Please note we cannot provide coverage for facilities in Maryland at this time.

    General Liability Coverage Supplemental Application

    If you are applying for coverage and need General Liability (“slip and fall”) coverage, please complete the supplemental application below. Please send the completed supplemental application to Please send your completed application to applications@cphins.com or fax to 312-987-0902.

    Health & Life Coaching Businesses

    If you are the owner of a Health & Life Coaching Business, click here to complete your application online.

    Have Questions? click here, We’re happy to help!