Liability Insurance for Counselors and Counseling Students

Trusted, affordable, and high-quality professional liability insurance for counselors, supervisors, counseling students, and business owners.

The National Board for Certified Counselors and Affiliates (NBCC) has partnered with CM&F Group to offer occurrence-based professional liability insurance.

With affordable rates and high-quality, easy-to-access coverage, clinics, counselors, supervisors and counseling students can ensure they are adequately protected so that they can focus on what matters; continuing the serve the public and advance mental health efforts across the globe.

Through this partnership, NBCC continues to provide NCCs, counseling students, and the broader counseling community with high-quality, premier professional resources.

Please Note: Discounts will be available as approved by states starting April 1st, 2024

Not Having Malpractice

CM&F Counselor Liability Insurance

For over 100 years, CM&F Group has provided exceptional liability insurance for healthcare professionals. It is dedicated to supporting the ongoing work of the growing network of NCCs providing mental health resources around the world.

Whether you’re a clinician, educator, student, or business owner, CM&F Group’s 24/7 liability coverage will establish superior protection within all methods of client care.

Focus on your patients. We’ll protect your personal assets, license and reputation.

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By obtaining malpractice insurance from CM&F Group, you cover your bases protecting yourself from unforeseeable problems in the future with 24/7 portable coverage that protects you within all delivery methods of patient care – in-person or virtual.

CM&F Counselor Liability Insurance Benefit

*Full 24/7 portable coverage policy option – Recommended

  • Coverage Options up to $2 Million Per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • Telemedicine Coverage

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The Partnership Between NBCC and CM&F Group

Counselor educators and counseling students have invested their energy, enthusiasm, care, and expertise in serving clients and advancing access to counseling. CM&F Group’s liability insurance provides these dedicated professionals and professionals-in-training with peace of mind and protection as they engage in this important work.

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Find Out Why The Best Organizations And Thousands of Your Peers Recommend CM&F!

Frequently Asked Questions

What is the difference between occurrence and claims-made coverage?

An Occurrence policy covers a loss that occurs during the policy period regardless of when that claim was made. A Claims-Made policy requires the claim be made or reported while the policy is in force or during the extended reporting period (Tail). Both an Occurrence policy and Claims-Made policy have their strengths. In general, most lower premium paying medical professionals carry Occurrence coverage whereas most higher premium paying medical professionals have the option to purchase Claims-Made which can be less money during the initial years.

What are “Per Occurrence” & “Aggregate” liability limits?

Your “Per Occurrence,” or “Per Claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “Aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a “named insured.” Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

Are your plans flexible and customizable to the coverage options I need?

Our insurance plans are extremely flexible. We offer full time, part time and moonlighting policies for almost all professionals.

I work for several different employers. Will that affect my coverage or rate?

That depends. We do have a policy type that would cover you for all your work at one rate. The best option is to call our service professionals at 800-221-4904 and discuss your specific situation.

Have questions about CM&F professional liability insurance policies?
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