As long as it is through the course of practice, it is intended to protect us financially and professionally if we are sued. The best strategy for managing malpractice is to avoid it entirely. Covers you, up to the applicable limits of liability, for covered claims arising from allegations of slander, libel, assault and battery, and other alleged personal injuries arising through the performance of your professional services. Violence in the workplace is a tragic reality. Questions? Covers you, up to $1 million each claim, for amounts that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident. If you run a high-risk practice, these higher premiums may be worth it. The American Psychological Association (APA) reports that about 2% of psychologists will face a malpractice suit at some point. The following is a de-identified composite of calls made to the ACA Risk Management Helpline, ... © document.write((new Date).getFullYear()) Affinity Insurance Services ™. Retrieved from http://www.hpso.com/Documents/pdfs/CNA_CLS_COUNS_022814p_CF_PROD_ASIZE_online_SEC.pdf. ACA-Endorsed Counselors Professional Liability Program. So even if you make the right decision, you could face a lawsuit if a client gets hurt. If you treat high-risk clients, your premiums may be higher. Your coverage through HPSO will pay for attorney’s fees of an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services, Personal Liability Coverage – up to $1 million annual aggregate. The cost of malpractice insurance depends on several factors, including: For a general liability policy that includes malpractice insurance and that has a $1 million claim limit, therapists can expect to pay between $350 to $1,750 in annual premiums. You may also be able to get discounted coverage through a professional organization such as the APA or a local organization. The CPH Way: What Makes Us Different Over the last decade, more than 500,000 people chose CPH for liability insurance. Offered through Lockton Affinity, this professional liability insurance provides essential coverage that counselors need, at specially discounted rates! Liability in patient suicide. Corporate coverage is also available to providers who own and operate their own practice (LLC, PLLC, or S-Corp) with premiums beginning at $320/year. For Mental Health Professionals - The Practice Resource Section of GoodTherapy, Practice Management Software for Therapists, Rules and Ethics of Online Therapy for Therapists, How to Send Appointment Reminders that Work, The Ethics of Therapy with Potentially Dangerous People, Ethics Check: Realigning with the Values of the Healer’s Heart. It is then up to the courts to sort it out. Your professional liability insurance policy through the PRMS Psychiatrists’ Program covers you for the rendering of psychiatric services as a volunteer in the state where you are licensed. First Aid Expenses – up to $10,000 per incident, up to $10,000 annual aggregate. Individual ACA professionals with a premium of $100 or more are eligible for a 10% ACA membership discount*. This coverage reimburses you for co​sts to notify patients of a breach of confidential personal information in compliance with privacy protection laws. Distraction, stress, and other factors may cause a therapist to make the wrong call. What puts a psychiatrist at risk for a malpractice lawsuit? Laurel Road Nurse Student Loan Refinancing, Professional Liability and Commercial Insurance, Understanding Counselor Liability Risk Claims report, 2014. Covers you, up to $3 million annual aggregate, for all covered claims within the policy period. While good therapists endeavor to protect their clients and avoid lapses in judgment, therapists are human beings who can and will make mistakes. Every policy is different, but in general you will get: The benefits of malpractice insurance include: Professional liability insurance is insurance that protects against lawsuits by providing you with a lawyer and funding the costs of the suit. James Holmes’ psychiatrist just got sued for not having him locked up. General Liability Insurance - If your clients visit your premises for a session and get hurt - you could be held liable. If a client, their spouse, or parent/guardian files a complaint or lawsuit, malpractice insurance for counselors / psychotherapists provides unlimited defense coverage and state licensing board defense coverage to protect your … We … Be found at the exact moment they are searching. Check out our FAQs for counselors. Pays for reimbursement of medical expenses to others injured at your residence or business premises up to the applicable limit. ACA partnered with HPSO in 2003 to provide comprehensive, affordable malpractice insurance coverage to its members. Most are aware of the protection they receive under the HIPAA laws. That’s a lot of time and money. Whether or not you have been sued or faced a licensing board complaint before. Retrieved from https://www.apa.org/members/your-membership/benefits/insurance, Understanding counselor liability risk [PDF]. CPH & Associates is an industry-leading provider of Professional Liability Insurance for allied health and mental health professionals nationwide. Professional and General Liability Insurance for Mental or Allied Health LLCs, Corporations and Group Practices. Malpractice insurance for psychologists is essentially a type of professional liability insurance that protects you against claims of poor care or neglect. 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