Shopping for professional liability insurance can be overwhelming. As you read through countless contracts and try to decipher the legalese, be sure to see what your policy includes. Cost isn’t the only thing you have to pay attention to as you shop around, if you are considering professional liability insurance coverage with anyone other than CPH & Associates, it is important to look at the supplemental benefits and coverage as well. Not all professional liability insurance policies are created equal, and when your career is on the line, it’s important to know you have the right coverage.
One main distinction between CPH & Associates is how sexual misconduct is handled. A claim of sexual misconduct can end your career. Other providers often set a sublimit for a claim of sexual misconduct. This means there is a set maximum value that will be paid for this type of claim. With CPH & Associates, sexual misconduct coverage is provided under a duty to defend, which provides unlimited defense coverage for false claims of sexual abuse or misconduct.
As a result, there is no limit to the amount of money CPH & Associates will spend on legal defense in the event that a claim of sexual misconduct is made against you. This duty to defend, however, ceases if the defendant confesses or is found guilty. Unlike other companies, CPH & Associates main priority is protecting and defending innocent people from unfounded claims. Rather than settling for a set amount of money, CPH & Associates is committed to protecting your license and your reputation so you can continue practicing for years to come.
There are countless other services that CPH & Associates provides that other insurance companies do not. For one, the “Avoiding Liability Helpline” provides one hour of legal counsel per policy period so you can have any questions answered before a legal issue arises. Various discounts are offered, and renewing your application for liability coverage for allied healthcare with CPH & Associates can easily be done online. When it comes to professional liability insurance coverage, don’t settle for anything less than the best.