Professional Counselor Liability Insurance for Students

Affordable, Reliable Liability Insurance for Counseling Students

Student Liability Insurance for Counseling

Professional counselor liability insurance for students is an important form of protection for those in the process of starting their career. CM&F Group has been a prominent leader in the liability insurance industry for many years. We are proud to provide affordable student malpractice insurance that is reliable and comprehensive at all stages of their counseling career.

Malpractice insurance for counselor students protects them from costly malpractice fees or claims that could put their future in jeopardy. Students have a lot of things on their mind as they train to become a licensed professional counselor. CM&F offers counseling liability insurance students so they can focus more on improving their skills and less on the repercussions of accidental negligence.

Student Malpractice Coverage Benefits

  • Coverage options up to $1 Million Per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage
  • Defense Costs in Addition to Liability Limits
  • HIPAA Defense Coverage
  • 24/7 Portable Coverage

Convenient Online Application:

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Why Choose CM&F?

Malpractice insurance is available to counselor students as they pursue their education. CM&F wants to make the transition from student, to graduate, to professional as simple, and affordable as possible. Through every stage of your counseling career, CM&F provides portable, comprehensive, counselor malpractice insurance.

In recent years, healthcare professionals have been exposed to large liability claims as a result of their poor coverage from low-rated insurance companies. Students studying in the counseling field are just as susceptible to liability claims or negligence lawsuits as licensed professionals are. To ensure policy holders have the most competitive and reliable counselor student malpractice insurance on the market, CM&F only partners with the strongest and most committed liability insurance carriers.

There is significant risk in being named in a malpractice lawsuit, and the type of protection you have will matter if a claim arises. Some healthcare students may be told that they are covered by their school’s student liability insurance policy. But unless you are the OWNER of the policy, your interests could likely be viewed as secondary to your school should a claim arise. Your counselor student insurance policy with CM&F is portable, going wherever you go so you always know you’re covered.

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!

Have questions about CM&F professional liability insurance policies?
View our full library of our most frequently asked questions.
What is the difference between "per occurrence" vs. "aggregate" liability limits?

Your “per occurrence,” sometimes written as “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).

Do I need occurrence or claims made coverage?

“Occurrence” or “claims made” refers to the type of policy coverage you’d be purchasing. This affects when you are able to report a claim on your policy.

What is a claims made policy?
You are only able to report a claim on a claims made policy while the policy is active. For instance, if you let your policy expire, and then six months later a former patient brings a lawsuit against you for an incident which occurred during the policy period, a claims made policy would no longer cover that claim (unless you purchased an Extended Reporting Endorsement, or “Tail Coverage”).

What is an occurrence policy?
An occurrence policy covers you indefinitely for incidents that occur within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active. It is essentially the same as a claims made policy with a built-in Tail.

How quickly can I get liability insurance coverage?

If you apply for coverage online via CM&F’s secure Insured Access Portal, you can pay for and receive proof of coverage in just MINUTES! If you have the ability to pay with a credit card, we recommend applying for coverage online. Once you submit your application, you are emailed your coverage documents in minutes – No Delay, No Headache.

Your documents are also available for access 24/7 in your personal insured access portal account. Within the portal, all clients are able to download, print, or email their documents whenever needed.

If you are unable to purchase coverage online, please contact us for a paper application. We can accept applications through the mail or via fax. Please know, this can delay the receipt of your coverage documents by a few weeks due to processing and shipping time.

*Need help applying? Contact us for further instructions and assistance on accessing our Online Applications.

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

Our insurance plans are extremely flexible. We offer full-time, part-time, moonlighting or contracting policies for almost all professionals. Your coverage follows you wherever you work, 24/7.

How do I transfer my existing liability policy under another company to CM&F so that there is no gap in time of coverage?

If you have an occurrence policy, you can simply purchase the CM&F professional liability insurance policy when the policy with your current insurance provider expires. When using our online application, you are able to select your coverage date at least 30 days in advance, so you don't have to worry about coming back to apply on the exact day.

If your current policy is a claims-made policy, it is best to discuss the transition options with a CM&F service professional. We will help to ensure there are no gaps in your liability insurance coverage.

Can I add additional insured?

You may add additional insured to your policy at anytime. This can be done during the application policy, as well as throughout the lifetime of the policy.