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), the Association for Counselor Education and Supervision (ACES), and Chi Sigma Iota (CSI), all of whom share a mission of providing resources for professional counselor identity and practice, have partnered with CM&F Group to offer occurrence-based professional liability insurance.

CM&F’s occurrence-based professional liability insurance policies are comprehensive, portable, and flexible. With affordable rates and high-quality, easy-to-access coverage, counselors, supervisors, and counseling students can trust that they are adequately protected so that they can focus on what matters—continuing to serve the public and advance mental health efforts across the globe.

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

Not Having Malpractice

Streamline Your Medical Malpractice Insurance with CM&F Group

Obtaining medical malpractice insurance, also known as professional liability, through the CM&F Group as an individual member of NBCC, ACES, or CSI is a straightforward process.

Here’s how you can secure your coverage:

  1. Collect proof of your current insurance, such as a certificate or declaration page.
  2. Determine if your policy is “occurrence” or “claims made,” noting any retroactive dates.
  3. In the application, ensure your coverage type aligns with your current policy, inputting any necessary retroactive dates.
  4. Complete the application with your personal and professional information.


Focus on your patients.

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

Patients Icon

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

  • 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
  • 24/7 Portable Coverage
  • Digital Portal Access for Insurance Documents

Get a Quote in Just 5 Minutes

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The Partnership Between NBCC, ACES, CSI, and CM&F Group

Counselors, counselor educators, and counseling students have invested their energy, enthusiasm, care, and expertise in serving clients and advancing access to counseling. Therefore, this stakeholder-driven partnership between our three organizations is intentional, as it allows CM&F Group’s liability insurance to provide these dedicated professionals and professionals-in-training peace of mind and protection as they engage in this important work.


male counselor talking to couple

Get Covered Today!

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

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?
View our full library of our most frequently asked questions.