Question 1

Are there special considerations for counselors offering crisis intervention services?

Accepted Answer

Yes, there are special considerations for counselors offering crisis intervention services. Your policy is designed to address the unique risks involved in crisis intervention, ensuring that you have the necessary protection when providing high-stakes, urgent care.

Question 2

Does my policy cover spiritual counseling and religious advice?

Accepted Answer

Yes, your policy includes coverage for spiritual counseling and religious advice, ensuring that you are protected whether providing mental health services or addressing spiritual concerns.

Question 3

How does professional liability insurance protect me from claims related to emotional harm or inappropriate advice?

Accepted Answer

Professional liability insurance covers legal defense costs,  settlements and judgments if a client claims emotional harm or inappropriate advice resulting from your counseling sessions. This protection helps safeguard your practice and reputation from potentially damaging lawsuits.

Question 4

Who provides the insurance coverage?

Accepted Answer

The coverage is provided by American Professional Agency, Inc., underwritten by Allied World Insurance Company, and its member companies.

Question 5

Why do my premium rates increase over the first 5 years?

Accepted Answer

All Professional Liability Claims Made insurance policies, issued by all insuring companies, have step rates which gradually increase over time until they mature. While each company sets the number of step rate increases based upon actuarial analysis, our policies mature after year 5 meaning no additional rate increases would apply unless changes to the coverage provided are requested by the policyholder.

Question 6

How soon may I obtain proof of coverage?

Accepted Answer

Proof of coverage may be issued on the same day your application is approved, and payment is received. Your certificate of insurance will be emailed to you (usually by the next business day after approval and payment). A Declarations page will be sent to you via USPS shortly thereafter.