More than 500,000 people have chosen CPH Insurance for liability over the last decade.
Because our business is specialized, we can focus on your liability needs in a way that bigger companies cannot. We are able to service a large client base while maintaining a small-office approach because our team of associates has more than 50 years collective experience in this field.
Information about CPH Insurance
Customer service and support are our top priorities as a leading provider of professional liability insurance. As a company, we’re all about giving our customers an easy experience with the resources of a big company and the personal attention of a boutique.
What is professional liability and why is it important for LMHCs?
An LMHC requires a considerable amount of education. In fact, very few occupations require such a high level of education. Even so, mental health counselors often complain that their training does not focus enough on malpractice insurance. It can be intimidating if you’re unfamiliar with the basics, leaving many providers feeling like they need to speak “legalese” just to navigate it.
In the end, mental health counselors need professional liability insurance to cover their clinical services. It protects your livelihood and your assets against board complaints and lawsuits. It’s important, but it doesn’t have to be complicated. That’s where we come in and help you obtain insurance that is straightforward, complete, and convenient.
How Does Professional Liability Insurance Work?
Your company or yourself is protected if you make a mistake when handling the needs of a client if you have professional liability insurance. It helps reduce financial losses associated with lawsuits or similar legal actions involving accusations of negligence, misrepresentation, or inaccurate advice, including costs associated with securing a legal defense and expenses arising from judgments.
What is the difference between professional liability insurance and malpractice insurance?
In technical terms, malpractice insurance is a type of liability insurance. Professional liability insurance is available to a wide range of professionals, but malpractice insurance is generally reserved for legal and medical professionals.
Errors and omissions (E&O) insurance is also a specialized form of professional liability coverage. However, it emphasizes accounting, real estate, tech, and similar professions rather than legal and medical practices.
Generally speaking, professional liability insurance is a blanket term that refers to any coverage in the broader category. Malpractice insurance, however, is a specialty policy that targets legal and medical professionals.
CPH Professional Liability and Malpractice Insurance: What Is It?
Professional liability and malpractice insurance are coverage options available through CPH & Associates. In addition to providing insurance products to those working in mental health and health and wellness, the company has been operating for 19 years. Professionals working in these sectors, as well as companies operating in those niches, are covered.
In general, CPH & Associates specializes in professional liability and malpractice insurance. It is primarily focused on mental health professionals – such as counselors or therapists – as well as life coaches, wellness professionals, fitness trainers, and others. A special event insurance policy is also available for those operating in the sectors outlined above, which covers unique occurrences.
CPH Professional Liability and Malpractice Insurance: Pros and Cons
While CPH & Associates is smaller than other providers, it’s a tech-savvy company that allows people to explore options online and obtain coverage electronically.
Additionally, CPH & Associates is highly customer service-oriented. Along with having access to a free consultation when you begin exploring your options, you can usually reach a representative fairly easily. You can also contact the company directly in addition to the online contact form, which is refreshing given how many businesses are eschewing toll-free numbers in favor of online contact.
From a cost perspective, CPH professional liability and malpractice insurance is generally considered competitive. However, the exact rate varies depending on a person’s location, credentials, hours worked, coverage levels, and other factors. Prior Acts Coverage may alter your pricing, as the retroactive date could affect it.
The company is also generally respected, securing a range of endorsements from mental health and wellness-oriented professional organizations, including the American Mental Health Counselors Association, International Association of Marriage and Family Counselors, International Fitness Professionals Association, etc.
One of the biggest drawbacks is that CPH professional liability and malpractice insurance focuses exclusively on a limited set of professions and fields, making it quite niche. As a result, the company can also create highly curated solutions for those working in the selected industries, since they understand the selected industries.
If you have an individual policy, you can’t add employees to it. Therefore, any employees you hire – including interns – will need their own coverage if you don’t have a policy that covers your entire practice.
How Does CPH Professional Liability and Malpractice Insurance Compare?
CPH professional liability and malpractice insurance generally stacks up to the competition when it comes to coverage specifically for mental health professionals, wellness specialists, and others working in the health and wellness industry as a whole. The customer experience is exceptional and the coverage levels are comparable at competitive prices, often beating those offered by other insurers.
However, since CPH & Associates focuses on a smaller niche, it may not meet everyone’s needs. Aside from workers in other industries, those who could secure a policy may find fewer overall options. However, you may want to consider CPH & Associates for coverage if you are in the mental health sector, you are a trainer, you are a life coach, or you are otherwise involved in a role covered by the company.
CPH Professional Liability and Malpractice Insurance Alternatives
1. Reliability
You’re likely to find a program for Proliability if you’re working in healthcare or another industry. The company offers policies in a broad range of industries, which makes it a versatile option. Plus, the pricing is incredibly competitive, and you might get a discount if you belong to certain professional associations.
In this case, students taking part in clinical work can get coverage for about $1 per day. However, it doesn’t offer any business insurance beyond professional liability.
2. Healthcare Providers Service Organizations
The Healthcare Providers Service Organization is an insurer that specializes in healthcare – including covering many mental health professions. In addition to competitive pricing, many people are eligible for a variety of premium discounts. Additionally, portable policies can be used if providers move their offices.
Additionally, the annual aggregate coverage maximum is just $3 million, which is lower than what you might find at other companies.
3. The Nurses Service Organization
It is a niche company that focuses specifically on nurses. However, it offers competitive pricing and solid policy options, so if you are a nurse, you should consider it. Although the company does not offer other types of business insurance, students can qualify for up to 50 percent off, which is worth noting.
Here are three ways CPH & Associates can help:
Give us a call if you have questions about coverage or the application. A licensed insurance agent will pick up directly (no phone trees).
With years of experience servicing LMHCs, we created a website that allows you to apply online and print your documents.
Once you have a policy, we offer a two-hour avoiding liability helpline consultation in case of potential claim or lawsuit situations.
During the Covid-19 pandemic, CPH & Associates is committed to supporting our clients.
Insurance coverage for allied health professionals and mental health professionals
The terms professional liability and malpractice insurance refer to the same thing: protection of your professional services. Whether you are a licensed allied or mental health provider, CPH & Associates offers you peace of mind with the type of insurance we often refer to as “malpractice insurance.
Professional CPH Liability Insurance for Mental Health Providers: What is it?
Mental health counselors, therapists, psychologists and social workers can obtain professional liability insurance to protect them from the full cost of defending against a negligence claim filed by a client, and the damages awarded in such a civil lawsuit.
Mental health professionals must adhere to the highest ethical and moral standards. Mental health counselors are responsible for promoting client welfare and respecting the dignity of clients, according to the American Mental Health Counselors Association.
AMHCA emphasizes the importance of counselors being upfront with clients about their counseling relationship. Through a professional disclosure statement, they should elucidate their expectations and responsibilities in counseling, their orientation and values, procedures for emergencies, supervision (where applicable) as well as business practices. Additionally, the statement should include details surrounding client rights and contact information for the relevant licensure authority.
For mental health professionals, the AMHCA mantra would be sufficient if we lived under a perfect umbrella; however, in our litigious society, lawsuits can arise if a client believes their counselor, therapist, or other practitioner has violated their rights.
A typical business owner’s policy will cover bodily injury, property damage, personal injury, or advertising injury claims, but not suits involving errors and omissions when providing professional services, making professional liability insurance important for mental health professionals. Employers, public liability, and product liability are also covered by insurance.
Legal claims can arise from a variety of professional services without causing any of the specific types of harm covered by insurance policies.
Professional liability insurance covers the following claims:
A lack of care
Fraudulent representations,
A breach of good faith and fair dealing
Advice that is inaccurate
As a mental health professional, CPH Insurance offers a variety of options, including the Avoiding Liability Helpline, which helps its policyholders protect themselves by providing valuable services.
In addition to getting your questions answered by a knowledgeable attorney, airing your concerns early may help you avoid later problems with your licensing board, an ethics committee, or a civil lawsuit (malpractice action).
Professional liability insurance should be a critical component of every mental health professional’s insurance portfolio when considering mental health insurance policies.
Our expertise in the allied / mental health professional liability insurance market allows us to better serve you.
Competitive rates, up-to-date legal resources, and exceptional customer service are among the services we provide to our policyholders. In addition to our online application and renewal processes, real-time online policy changes, and knowledgeable customer service, we continue to put the needs of our customers first!
CONDITIONS OF MIND
Counselors, therapists, psychologists, social workers and many other types of mental health professionals are covered by malpractice insurance.
ASSISTANT HEALTH
We provide comprehensive malpractice insurance for many occupations within the allied health care sector, from audiologists to x-ray technicians.
ANALYSIS OF BEHAVIOR
Applied behavior analysis malpractice insurance for BCBAs/BCABAs, Behavior Consultants, Behavior Specialists, Developmental Therapists, Early Childhood Interventionists, and more!
NURSES
Nurses, LPNs, LVNs, aides, and assistants are covered by malpractice insurance.
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