Individual Mental & Allied Health Professional Liability Highlights

Professional Liability Insurance provides you the following benefits:

“Occurrence Form” Coverage

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

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).

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 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

Your professional liability coverage follows you within the 50 domestic U.S. states wherever your license allows you to legally practice. This applies to both employed (W2) and self-employed (1099) professionals.

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 when you assist in the investigation or defense of a claim or suit in which you are named a defendant.

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

Policy Specimen

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