Benefits of CM&F Professional Liability Insurance for Psychologists, Counselors, or Behavioral Professionals

What is Professional Liability Insurance for Mental Health Providers?


Professional liability insurance for mental health providers, whether it be counselors, psychologists, or behavioral health professionals, provides protection from patients or coworkers who claim their negligence at work caused an injury. This could be a wrong diagnosis, an infraction of HIPAA privacy laws, or any number of things. While many employers may claim to cover malpractice related claims, the interest of the individual employee could be viewed as secondary to the employer, clinic, or office that owns the policy.

With individual liability insurance, the monetary coverage and the policy benefits are guaranteed for the policy owner’s sole use. Liability insurance for mental health counselors protects you from litigation expenses, as well as gives you a team of industry experts that fight for your personal assets, financial future, and professional credentials.

Is Individual Mental Health Professional Liability Insurance Necessary?

It is recommended that all mental health professionals have their own liability insurance policy that puts their personal interests first. If a counselor depends solely on their employer’s insurance policy, their interest will likely be viewed as secondary to the employer, office, or clinic that owns the policy. The employer’s shared liability insurance policy may also have inadequate coverage limits should a claim be made against multiple employees, or the entire clinic. That means that the main policy holder could use a significant portion of the coverage, leaving little for the additional insureds on the policy which enhances your risk of personal losses.

An individual mental health professional malpractice policy is the best way for providers to protect their career. Having your own counselor, psychologist, or behavioral health professional liability insurance policy means having a team that is focused on YOUR personal interests, not your employer’s, co-workers’ or anyone else involved.

What Benefits Does an Individual CM&F Mental Health Malpractice Insurance Policy offer that Distinguishes it from Other Competitors?

Not all malpractice coverage plans are created equal. CM&F has created a tailored professional liability insurance policy to meet the specific needs of psychologists, counselors, as well as behavioral health professionals. CM&F offers peace of mind with professional liability insurance coverage that fluctuates with your scope of practice, according to relevant laws, so you never have to worry.

CM&F’s dedication to innovating the insurance marketplace with advanced technology and an automated quoting engine makes it possible to keep malpractice insurance costs affordable, all while underwriting the most comprehensive professional insurance policies in the market. In as little as 5 minutes, CM&F’s online liability insurance quote engine can provide you with a quote, and the option to purchase coverage that is effective immediately (or on a later date, as far in advance as 90 days, if selected.)

What Types of Mental Health Malpractice Insurance Policies Does CM&F Offer? ​

There Are Two Types of Mental Health Malpractice Insurance Policy Options:

  1. Occurrence

  2. Claims-Made

The two types of basic malpractice insurance policy options are occurrence and claims-made. CM&F offers both claims-made, and occurrence malpractice insurance policies to psychologists, counselors, or behavioral health professionals. An occurrence policy means that if a claim is made against a psychologist regarding a past incident that occurred during a time they were previously covered under CM&F liability insurance, that claim will be covered by CM&F even if the professional has since ended their coverage.

Since most malpractice claims are made 18-24 months after an incident occurs, occurrence protection is usually recommended. Claims-made insurance policies only protect professionals if they have insurance at the time of the claim. With occurrence policies, there is no need for mental health professionals to renew or buy tail coverage should they choose to leave CM&F or retire.

Where is My Mental Health Malpractice Insurance Applicable?

CM&F’s mental health malpractice insurance coverage is portable, covering you 24/7 at any number of workplaces. All personal malpractice insurance coverage is attached to the individual, not their place of work. Not having your own portable coverage, separate from your employer’s shared policy, limits your protection to duties performed for that sole practice during your work hours. For counselors, psychologists, or behavioral health professionals who contract, work at multiple places, have private clients, or simply helped a samaritan while off-duty in an emergency situation, a portable professional insurance plan is a must.

The CM&F Advantage

The Most Comprehensive and Reliable
Malpractice Insurance
on the Market

CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to mental health industry professionals has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional insurance coverage with:
  • A++ Rated Insurance & Lowest Priced Mental Health Professional Liability Insurance Products
  • Outstanding Customer Service with a Direct Contact Line
  • Superior Claims Management
  • Fast Automated Application Process
  • 24/7 Access to Your Personal Online Document Archive

Resources for Mental Health Professionals

At CM&F, we are dedicated to being an educational resource for counselors, psychologists, and behavioral health professionals. To accomplish this we have compiled a vast amount of information from career opportunities, to terms to know in a malpractice policy, and even blog posts written by fellow healthcare professionals.

CM&F Group