Professional Malpractice Insurance for Psychology, Counselor, & Behavioral Professionals

What is Psychology, Counselor, & Behavioral Professional Malpractice Insurance?

Psychology, counselor, & behavioral professional malpractice insurance coverage is insurance coverage designed to cover the legal expenses, as well as personal assets, of professionals in case of a malpractice claim. As a psychology, counselor, & behavioral professional, you may need professional liability insurance that goes beyond your employer’s policy. Unless you are the owner of the policy, should a claim arise, your interest could likely be viewed as secondary to your employer. Personal malpractice insurance for psychology, counselor, & behavioral professionals allows professionals to work without fear of potential litigation.

What Risks Do I Face That Warrants Malpractice Insurance for Psychology, Counselor, & Behavioral Professionals?

Psychology, counselor, & behavioral professionals work extensively with individuals in need of some sort of help, whether that be therapy or counseling. If an accident or mistake were to occur during an interaction with a client, psychology, counselor, & behavioral professionals could find themselves at the center of a malpractice claim. Whether they are at fault or not, psychology, counselor, & behavioral professionals could be responsible for large legal or settlement fees. The best form of protection against harmful allegations is to have the appropriate form of malpractice insurance coverage.

CM&F

Why CM&F For Psychology, Counselor, & Behavioral Insurance Coverage

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

For more than 25 years, CM&F Group has been protecting dentistry professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of dentistry professionals across the US. Whether you’re a case manager, school counselor, or psychologist, the dedicated service professionals at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of psychology, counselor, & behavioral malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance for healthcare groups or clinics. So we know first hand that should a claim arise, unless the policy is YOUR OWN your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

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What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

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.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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