UMHCA Professional Liability Insurance

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CPH & Associates is proud to serve Utah Mental Health Counselors Association members in support of mental health professional growth and stability. Having served mental health professionals for 20 years, CPH & Associates insures students, provisionally licensed interns, and fully licensed professionals with malpractice insurance.

As a Mental Health Counselor, you’ve dedicated your career to helping others, and you should be free to focus on clinical care without worrying about a threat to your livelihood. With Malpractice Insurance for Mental Health Counselors,  you can have peace of mind knowing you’re protected in the event of a claim or suit, a grievance from a regulatory board, plus many other coverage  benefits.

Over the course of a career, most therapists will experience this “What should I do?” moment. This is when professional liability insurance for mental health counselors is there to help you navigate the process. At CPH & Associates, we’re here so that when something like this happens, you don’t have to go it alone. Even if you don’t necessarily have a lawsuit or board complaint on your hands, we offer consultations with an attorney under our Avoiding Liability Helpline so that you can speak with someone to avoid any such situation.

This is just one benefit of our coverage. Because there can be a variety of needs when it comes to malpractice insurance for licensed mental health counselors, we provide a policy that goes beyond just providing a lawyer.

Malpractice Insurance for Mental Health Counselors Coverage Highlights:

  • Occurrence form “lifetime” coverage
  • Portable coverage: follows your licensure or certification
  • Telehealth Coverage
  • Unlimited defense coverage
  • Optional General Liability “slip and fall” Coverage and Business Personal Property Coverage (The CPH TOP™)
  • State licensing board defense coverage
  • Deposition expense coverage
  • Medical expense coverage
  • Assault coverage
  • First aid coverage
  • A++-rated carrier for Financial Stability by A.M. Best Co.

Whether you have questions before purchasing a policy or need assistance with an existing one, we have licensed insurance agents available by phone to lend knowledgeable support. At CPH & Associates, we treat professional liability insurance for Mental health Counselors similarly to how you treat your clients. We want to support you professionally so that as an individual you can be the best therapist to your clients and provide a lasting impact on the lives you touch.

NEW! Cyber liability can be added to your malpractice insurance policy starting at $87. Click here for more information!

 

Types of Counselors CPH & Associates Can Insure:

  • Certified Alcohol & Drug Counselor (CADC)
  • Licensed Clinical Professional Counselor (LCPC)
  • Licensed Mental Health Counselor (LMHC)
  • Licensed Professional Clinical Counselor (LPCC)
  • Licensed Professional Counselor (LPC)
  • Licensed / Certified School Counselor
  • Nationally Certified Counselor (NCC)
  • Provisional Licensed Professional Counselor

We also offer coverage for students and interns. For a full list of occupations we cover, click here!

What is professional liability insurance for counselors?

Professional liability insurance (or malpractice insurance) serves as a safeguard from claims or lawsuits. If a client, their spouse or parent/guardian files a complaint or lawsuit, malpractice insurance for counselors provides unlimited defense coverage and $35,000 of state licensing board defense coverage to protect your career and assets.

Why take out your own individual malpractice insurance as a counselor?

As a counselor, you know that some of the biggest breakthroughs occur once a client has settled into therapy and developed a level of trust with you. This trust comes, in part, from the intimate and private setting of the therapy itself. Unfortunately, this atmosphere also opens up counselors to claims of negligence and misconduct.

“Thanks, but I’m covered through my employer”

Sometimes, your employer’s policy is robust enough to cover your needs, but sometimes it may not be enough. Your employer’s policy is set up to cover the employer for any liability it may face from your work, but this doesn’t guarantee that the policy adequately covers you. Because employer provided insurance is shared among their employers and primarily covers the business entity and owner, it’s prudent for the individual counselor to maintain their own policy that puts them first.

Whether you operate a one-person LLC or large corporation, it’s important to adequately cover your business entity with corporate coverage. If you own a business entity, corporation, or group practice click here to apply for the appropriate coverage. This will cover both your business entity AND you as an individual (owner). For more information about business entity coverage, click here.

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The CPH Way: What Makes Us Different

Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.

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