Psychotherapist

The aim of psychotherapy is to help clients overcome a wide scope of concerns. These concerns range from emotional difficulties to psychiatric disorders. Psychotherapists can train solely in psychotherapy or they may also cross over from other professional backgrounds within the mental health sector.

Psychotherapists can choose from a wealth of approaches to help clients understand and explore how they feel. Some therapists also teach skills to help people manage difficult emotions more effectively.

• Coverage is written on an Occurrence basis
• Standard Professional Liability limits are $1 million/$3 million with options available for other limits on request
• Individual protection for Professional Liability, Personal Injury Liability, acts as a Good Samaritan, General Liability, and Fire/Water Legal Liability exposures
• Group practices and entities may purchase separate General Liability limits
• Other important coverages include: Licensing Board Defense, Defendant’s Reimbursement Benefit, Deposition Fees and Expenses, Assault, Medical Expense, First Aid, Damages to Property of Others, HIPAA Fines and Penalties and Consumer Notification Cost and Sexual Misconduct
• There is no deductible—The policy covers first dollar defense expenses and indemnity
• The cost of defense does not reduce your coverage (i.e., defense costs are paid in addition to the policy’s limits)
• 24-hour worldwide coverage, provided the claim is brought in the United States, its territories or possessions, or Canada.

• 50% - Newly Licensed (First year)
• 50% - Part-Time (24 hours or less)
• 10% - Continuing Education
• 10% - Switching Carriers (First year)
• 5% - Applying Online