Professional Malpractice Insurance for Therapist Professionals

What is Therapist Professional Malpractice Insurance?

Therapist malpractice insurance offers liability protection against claims associated with mistakes or negligence (whether true or false) that result in bodily injury, medical expenses or even claims of mental anguish. As therapists, as well as counselors, see their roles in healthcare expand, the risk in being named in a malpractice suit continues to climb, which makes professional liability insurance for therapists an important part professional protection. To protect your career as well as your personal assets, individual professional liability insurance is a very good idea. Whether you are a creative arts therapist or an occupational therapist, your therapist professional liability insurance policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered.

What Risks Do I Face That Warrants Malpractice Insurance for Therapists?

Therapist professionals work across a range of fields and areas. Therapists are trained professionals that through proper techniques can help clients to work through their existing conditions, whether that be mental, physical emotional or behavioral. The cost of insurance for therapists is reasonable when compared to the many risks, such as legal entanglements, patient injuries or mental despair. The very complex nature of their occupation makes therapists prone to risks of malpractice while providing therapy. CM&F works with therapy professionals to reduce insurance costs with deductibles that are right for healthcare providers, making therapy insurance worthwhile.

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Why CM&F For Therapist 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 healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of Therapist professionals across the US. Whether you’re a art therapist, hearing therapist, or speech therapist, 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 therapy 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!

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

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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