FAQ

Social Worker

Do you offer group and corporate coverage?

How do I sign up for my free subscription to Psychology Today?

Does the social worker professional liability insurance policy have a deductible?

What’s the difference between occurrence-based and claims-made insurance?

Am I covered if I have a therapy animal I use during treatment?

School Psychologist

Will this policy provide coverage if I am an independent contractor or provide volunteer services?

Do you offer a reduced premium rate if I am exclusively employed?

What is Claims-Made coverage?

Does the School Psychologists professional liability insurance policy have a deductible?

How do I contact NASP about membership?

My Account

In “My Account” what is the Cyber Coverage Endorsement status?

What is the retroactive date?

In My Account what does my “policy status” mean?

What is the effective date?

Special Educator

Am I covered for board complaints?

Am I covered for first party assault and battery?

Will this policy cover me for all practice settings?

I am covered by my employer, do I need my own policy?

Who provides the insurance coverage?

Psychologist APA Member

How do I apply for group or corporate coverage?

How do I sign up for my free subscription to Psychology Today?

Does my policy cover me for work in other states?

Does my policy cover telehealth?

What does “defense reimbursement” mean?

Glossary of Insurance Terms

What is a claims-made policy?

What is Risk Management?

What are Limits of Liability?

What is Professional Liability Insurance?

What is an Endorsement?

Psychiatrist APA Member

How do I apply for group or corporate coverage?

Do I need my APA membership number to apply?

Will my policy help me defend myself against a Licensing Board complaint or hearing?

Does my policy cover telehealth?

How does my insurance protect me from claims of emotional distress or breach of confidentiality?

Psychiatrist AACAP Member

How do I apply for group or corporate coverage?

Is the American Professional Agency, Inc affiliated with the American Academy of Child and Adolescent Psychiatry (“AACAP”)?

Will my policy help me defend myself against a Licensing Board complaint or hearing?

Do I need to insure my corporation if I am the sole practitioner?

Does my policy cover telehealth?

Claims

What is a claims-made policy?

Will attorney fees be deducted from the limits of liability?

Can I speak with someone about a potential claim?

How quickly will I hear back after I file a claim?

Will my premiums go up if I have a claim?

Cyber Coverage

Does the Cyber Endorsement cover my business against data breaches?

Do I need a Cyber Endorsement to Practice Telehealth?

Students

When should my policy begin?

How soon may I obtain proof of coverage?

Should I use my .edu email address for my account communications?

Who provides the insurance coverage?

How much does this coverage cost?

Colleges and Universities

Can a school purchase a blanket policy for all students without listing each one individually?

Who is eligible for school coverage?

Who provides the insurance coverage?

What happens if a student drops out of field placement under a blanket policy?

Is there a difference between individual and blanket coverage?

Social Service Agency

What is an occurrence-based policy?

How can I obtain an insurance quote for my agency?

What benefits are contained in the policy?

What does the limit of liability mean?

Can Psychiatrists be included in the policy coverage?

Psychiatrist

Will my policy help me defend myself against a Licensing Board complaint or hearing?

Do I need to insure my corporation if I am the sole practitioner?

Can I get a quote?

Does my policy cover telehealth?

Do I need my own policy if I am covered by my employer?

Psychiatric Nurse Practitioner

Do I need to insure my corporation if I am the sole practitioner?

Does my policy cover telehealth?

How does professional liability insurance protect me from claims related to psychiatric evaluations or medication management?

What are the coverage limits for claims related to prescribing psychiatric medications?

Does my policy cover therapy sessions and psychiatric treatment plans?

Neurologist

Will my policy help me defend myself against a Licensing Board complaint or hearing?

Do I need to insure my corporation if I am the sole practitioner?

Does my policy cover telehealth?

Are there specific coverage options for neurologists providing telemedicine services?

Does my policy cover legal defense costs in medical malpractice lawsuits?

Mental Health and Spiritual Professions

Are there special considerations for counselors offering crisis intervention services?

Does my policy cover spiritual counseling and religious advice?

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

Who provides the insurance coverage?

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

Marriage and Family Therapist

Do you offer a reduced premium rate if I work part-time?

Does the marriage and family therapist professional liability insurance policy have a deductible?

Are online and teletherapy sessions covered under my insurance?

Does my professional liability insurance protect me from client disputes over confidentiality breaches?

Does my policy cover claims related to emotional distress caused by counseling sessions?

General

What is the process for renewing my insurance policy?

How do I renew my policy?

What Does the Included General Business Liability Cover?

What is the difference between a “named insured” and an “additional insured”?

How do I move from a different insurer to American Professional Agency?

Fitness and Wellness Professionals

Am I covered for dry needling techniques?

Can I get a Group Policy?

Are wellness coaches and nutritionists also eligible for coverage under this policy?

Can I still purchase profesional liability insurance if I work part time?

Does my insurance protect me from claims of improper training techniques or negligence?

Nurse Practitioner

Does my policy cover telehealth?

My employer’s practice/hospital provides coverage for me, do I still need my own policy?

Does my professional liability insurance protect me from malpractice claims?

What are the coverage limits for claims related to medication errors or misdiagnoses?

Does my policy cover telehealth services and virtual consultations?

Psychologist

How do I apply for group or corporate coverage?

How do I sign up for my free subscription to Psychology Today?

Does my policy cover me for work in other states?

Does my policy cover telehealth?

How do I submit my CE and Risk Management Credits to you?

Billing

What is the process for renewing my insurance policy?

May I pay my bill over the phone?

Can I pay my bill with a Credit Card?

Where do I mail my application and/or check?

Unknown

What is an Extended Reporting Period Endorsement or a “tail”?

Test Question 222