Application Process


How do I apply for Professional Liability Insurance?

You have several convenient ways to apply:

  • Online: Apply online at our secure website here, and pay your premium using Visa or MasterCard. This is the quickest and most convenient way to obtain and renew Trust Sponsored Professional Liability Insurance Program coverage.
  • By mail: Download forms here, print and complete them, and mail them with premium payment to Trust Risk Management Services, Inc., 1791 Paysphere Circle, Chicago, IL 60674.
  • By Fax: After completing an application, fax it to 1-877-251-5111.
  • By Postal Mail: You can also ask us to send you an application packet by using our request page or simply call us at 1-800-477-1200. We will send you the appropriate information and forms.

Can my group practice apply online?

The Trust has a special application for psychologists practicing in group settings, which is currently not available online. Simply call The Trust at 1-800-477-1200, send an email to insurance@trustinsurance.com, or complete our request page to request a group application. Note that if you are replacing coverage, you must return your application at least 30 days prior to your expiration date.

Can I fax my application and payment?

You can fax your completed application and payment information to the Program administrator, Trust Risk Management Services (TRMS), at 1-877-251-5111. If you wish, you can fax your application and call our Customer Service Center at 1-877-637-9700 with your credit card information.

Can I apply for Professional Liability Insurance by phone?

While we encourage you to call us if you have questions at any point during the application process, the insurer requires a written or electronic record of your application.

Should I submit payment with my application?

Yes, please send premium payment with your application. If you are applying via postal mail, you can pay by check or by providing credit card information on the application. If applying by fax, you can provide credit card information on the application, or you can leave the credit section blank and call TRMS after you have faxed the application. If you apply online, you will be asked to provide Visa or MasterCard information before submitting the application on our secure website.

What information should I have on hand when applying online for professional liability insurance?

This will depend on your specific needs, but if applicable, we suggest at least the following:

  • Your association member number
  • Addresses of persons requiring receipt of your proof of insurance
  • Names and addresses of independent contractors or additional insureds you plan to include on your policy
  • Credit card information (Visa or MasterCard)

What if I have a question while completing the application?

We are committed to making your selection and purchase of Professional Liability Insurance as simple and anxiety-free as possible. If your question isn't sufficiently answered through the application's help features or our web site's frequently asked questions, call our Customer Service Center toll free at 1-877-637-9700, Mon – Thu 8am – 6pm (CST), Fri 8am – 5pm (CST) to speak with a knowledgeable Customer Service Representative. No question is too small.

What happens after I submit my application?

The application is queued and underwritten. If the application is approved, a policy is issued based on the applicant's preference (delivered either by email or postal mail). Issuance of the policy serves as your confirmation. If there are problems with your application or payment, TRMS will contact you.

How long does it usually take to obtain coverage?

If there are no underwriter questions or payment issues, you can obtain coverage very quickly. To be on the safe side, we suggest that you allow 7-10 business days.

How will I know when I am covered?

You will know you are covered when you receive the insurance policy. You may also either check online using the user credentials created for you at the time of application (if applying online), or call TRMS at 877-637-9700 to check on the status of your application.

Can I elect when my coverage becomes effective?

You can designate the date your coverage becomes effective, as long as that date is on or after the date TRMS receives your application, but not more than 90 days from the date of application. For online applications, the effective date must be at least the day after the date the application is submitted.

How do I apply for Term Life, Income Protection, and Office Overhead insurance?

Visit the appropriate page at trustinsurance.com for more information, then conveniently download an application from our online Download Center. You can also call The Trust at 1-800-477-1200, send an email to insurance@trustinsurance.com , complete our request page , or write us at: The Trust, 111 Rockville Pike, Suite 900, Rockville, MD 20850-5109. Complete the application and remember to mail it with payment to Administrator, APA Group Insurance Plans, Liberty Life Assurance Company of Boston, P.O. Box 1525, Dover, New Hampshire 03821-1525.

How do I apply for Auto and Homeowners insurance?

Obtain a free, no-obligation premium estimate online at the Trust web site through Liberty Quotes, or call 1-800-275-4206 for a free, no-obligation quote, coverage evaluation, and application assistance.

How do I apply for Long Term Care insurance?

Check The Trust web site for more information or contact the Trust's broker of record, Burling Insurance Group, at 1-877-977-0125.

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For more detailed answers, or if your question was not answered here, please call us at 1-800-477-1200.