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Insurance coverage is key to your peace of mind.
Along with your training, experience and expertise, The Trust Sponsored Professional Liability* insurance program gives you the confidence to provide psychological services in a host of settings – across your entire career. Even if you have coverage through your institution or employer, it pays to have your own priority protection through The Trust.
- Insurance premium discounts including CE, early career, part time, group, and more.
- Broad affordable occurrence and claims-made coverage rated A++ by A.M. Best.
- Free access to our Advocate 800 Program for unlimited confidential consultations with independent risk management experts.
- No sublimit for defense of sexual misconduct allegations and a free extended reporting period or “tail” to insureds upon retirement, death or disability.
- Case review process for adverse claim decision by insurance carrier.
- Reduced registration fees for continuing education workshops and webinars.
Along with your training, experience and expertise, The Trust Sponsored Professional Liability* insurance program gives you the confidence to provide psychological services in a host of settings – across your entire career. Even if you have coverage through your institution or employer, it pays to have your own priority protection through The Trust.
- Print, scan or download a PDF showing proof of coverage from your most recent policy, and then upload it. That document can be a copy of your declarations page or a memorandum or verification of insurance, or any valid documentation from your current insurance company. If you have claims-made coverage, make sure that it shows your retroactive date.
- Print, scan or download a PDF showing proof of coverage from your most recent policy, and then upload it. That document can be a copy of your declarations page or a memorandum or verification of insurance, or any valid documentation from your current insurance company. If you have claims-made coverage, make sure that it shows your retroactive date.
How to apply for professional liability (malpractice) insurance.
Apply online here
Individual application is quick, confidential and secure. It’s the best way to obtain the protection you need now.
Download the group application here
If you have any questions or need assistance, call The Trust’s Customer Service Center at (877) 637-9700.
Get the facts about professional liability (malpractice) insurance for psychologists.
Essential Information
Read this for details regarding The Trust’s Professional Liability insurance program.
Its Easy to Switch
If you are currently insured through another company, read how easy it is to make the transition to The Trust program.
Enhanced Protection
Learn about the latest policy improvements and coverage enhancements to the Trust policy… that you may not find elsewhere.
Discount for Pre-Licensure Psychologists
35% premium reduction for early career psychologists who have yet to obtain licensure.
Earn discounts while you learn!
The Trust offers multiple premium discounts, some of which can be combined, to save as much as 25% on your Trust Sponsored Professional Liability insurance premium.
Save 15%
Save 15% on your Professional Liability insurance premium for attending an in-person or on-demand 6-hour Trust Sponsored Ethics and Risk Management Sequence Workshop and passing an exam. You’ll also earn 6 CE credits.
Save 10%
Save 10% on your Professional Liability insurance premium and earn 8 CE credits by reading The Trust’s risk management book and taking an online exam.
Save 5%
Save 5% on your Professional Liability insurance premium when you purchase it together with The Trust’s Business Office insurance.
It’s easy to switch to The Trust!
Simply provide us with some information and we’ll do the heavy lifting:
1
Include all information in the fields provided in the form to receive a premium indication.
2
Print, scan or download a PDF showing proof of coverage from your most recent policy, and then upload it. That document can be a copy of your declarations page or a memorandum or verification of insurance, or any valid documentation from your current insurance company. If you have claims-made coverage, make sure that it shows your retroactive date.
3
An experienced insurance professional will review your information and your past coverage, get back to you with a quote, and work to make sure you have no gaps in coverage and the transition to Trust Professional Liability insurance is smooth. Additional underwriting information will be required later to bind coverage.
It’s easy to switch to The Trust!
Simply provide us with some information and we’ll do the heavy lifting:
Include all information in the fields provided in the form to receive a premium indication.
Print, scan or download a PDF showing proof of coverage from your most recent policy, and then upload it. That document can be a copy of your declarations page or a memorandum or verification of insurance, or any valid documentation from your current insurance company. If you have claims-made coverage, make sure that it shows your retroactive date.
An experienced insurance professional will review your information and your past coverage, get back to you with a quote, and work to make sure you have no gaps in coverage and the transition to Trust Professional Liability insurance is smooth. Additional underwriting information will be required later to bind coverage.
Policy Includes
- Commercial property up to $5,000,000
- Commercial general liability up to $1,000,000
- Fine arts up to $15,000
- Buildings & business personal property, lost income & extra expense up to 12 months
$50,000 limit for:
- Computer software
- Valuable papers
- Employee dishonesty
- Forgery
$25,000 limit for:
- Accounts receivable
- Extra expense
- Property off premises
- Back-up of sewers and drains
$10,000 limit for:
- Exterior signs
- Spoilage
- Fire department service
- Money and securities
General liability limits to $1,000,000:
- Higher limits may be available, if required
- Third-party bodily injury and property damage
- Medical payments
- Personal and advertising injury
Why do Psychologists choose The Trust?
Save 15%
Save 15% on your Professional Liability insurance premium for attending an in-person or on-demand 6-hour Trust Sponsored Ethics and Risk Management Sequence Workshop and passing an exam. You’ll also earn 6 CE credits.
The total package
We provide the convenience of securing all of your financial protection needs in one location. Our programs cover your entire life – not just your career.
More options, better protection
Our clients can choose either an occurrence or claims-made policy, whatever coverage best suits their situation. We also provide a complimentary ‘tail’ with every claims-made policy, without restrictions, upon your retirement, death or disability. Plus, our rates haven’t increased in 18 years!
Trusted for the long haul
53% of psychologists insured by The Trust have stayed with us for over a decade—a testament to the confidence and reliability we’ve built through tailored coverage and unwavering support.
Continuing education made simple
With The Trust, policyholders can complete all their CE requirements in one place. From live webinars to on-demand learning, every program is designed by psychologists for psychologists—making it easier to stay certified while gaining practical, real-world insights.
Advocate 800, Risk Management Consultation Services
| Limit of Liability | Annual Premium |
|---|---|
| $100,000 each incident / $300,000 annual aggregate | $140 |
| $200,000 each incident / $600,000 annual aggregate | $160 |
| $1,000,000 each incident / $1,000,000 annual aggregate | $206 |
| $1,000,000 each incident / $3,000,000 annual aggregate | $268 |
LifeStyle-5 Plan
Provides disability benefits for a period of up to five years or age 62, whichever comes first, for disabilities beginning before age 60.
Compounded Interest Calculator
This calculator shows what you can expect to accumulate in a tax favored retirement plan over time based upon certain monthly contribution assumptions and hypothetical rates of return. These accumulations are hypothetical and are not a prediction of future investment results. This calculator shows the effect of compounding rates of return and the wisdom of embarking upon a tax-favored savings program at the earliest possible time.
Why do Psychologists choose The Trust?
Our malpractice coverage and supporting programs are designed by psychologists and industry experts with a focus on the profession of psychology. You won’t find this caliber of dedicated support anywhere else.
Insurance coverage is key to your peace of mind.
Along with your training, experience and expertise, The Trust Sponsored Professional Liability* insurance program gives you the confidence to provide psychological services in a host of settings – across your entire career. Even if you have coverage through your institution or employer, it pays to have your own priority protection through The Trust.
Earn discounts while you learn!
The Trust offers multiple premium discounts, some of which can be combined, to save as much as 25% on your Trust Sponsored Professional Liability insurance premium.
Save 15%
Save 15% on your Professional Liability insurance premium for attending an in-person or on-demand 6-hour Trust Sponsored Ethics and Risk Management Sequence Workshop and passing an exam. You’ll also earn 6 CE credits.
Save 10%
Save 10% on your Professional Liability insurance premium and earn 8 CE credits by reading The Trust’s risk management book and taking an online exam.
Get the facts about professional liability (malpractice) insurance for psychologists.
Essential Information
Read this for details regarding The Trust’s Professional Liability insurance program.
Its Easy to Switch
If you are currently insured through another company, read how easy it is to make the transition to The Trust program.
Enhanced Protection
Learn about the latest policy improvements and coverage enhancements to the Trust policy… that you may not find elsewhere.
Get the facts about professional liability (malpractice) insurance for psychologists.
Enhanced protection and higher coverage limits:
- Expanded Licensing Board Defense Reimbursement Limits: You can now enhance your basic Licensing Board Defense protection to $25,000, $50,000, $75,000 or $100,000 for a small additional premium. Other Governmental Regulatory Body Defense Reimbursement limits also expand respectively to $7,500, $10,000 $12,500, or $15,000 when you purchase enhanced Licensing Board Defense protection.
- Licensing Board Defense Reimbursement Coverage in Retirement: Many psychologists maintain their license long after they retire, leaving them subject to possible licensing board investigations. Your policy will reimburse you for defense expenses if a licensing board investigates an event that occurred during your policy period. If you have an occurrence policy or a claims-made policy and obtain the extended reporting period (i.e., a “tail”), you will continue to have this coverage even after you retire.
- Record Retention: In many jurisdictions psychologists are required to maintain patient records many years after retirement. The Trust policy includes coverage for the retention, destruction, or release of records created while you were insured. If you have an occurrence policy or a claims-made policy and obtain the extended reporting period (i.e., a “tail”), you will continue to have this coverage even after you retire.
Get the facts about professional liability (malpractice) insurance for psychologists.
Enhanced protection and higher coverage limits:
- Expanded Licensing Board Defense Reimbursement Limits: You can now enhance your basic Licensing Board Defense protection to $25,000, $50,000, $75,000 or $100,000 for a small additional premium. Other Governmental Regulatory Body Defense Reimbursement limits also expand respectively to $7,500, $10,000 $12,500, or $15,000 when you purchase enhanced Licensing Board Defense protection.
- Licensing Board Defense Reimbursement Coverage in Retirement: Many psychologists maintain their license long after they retire, leaving them subject to possible licensing board investigations. Your policy will reimburse you for defense expenses if a licensing board investigates an event that occurred during your policy period. If you have an occurrence policy or a claims-made policy and obtain the extended reporting period (i.e., a “tail”), you will continue to have this coverage even after you retire.
- Record Retention: In many jurisdictions psychologists are required to maintain patient records many years after retirement. The Trust policy includes coverage for the retention, destruction, or release of records created while you were insured. If you have an occurrence policy or a claims-made policy and obtain the extended reporting period (i.e., a “tail”), you will continue to have this coverage even after you retire.
Get the facts about professional liability (malpractice) insurance for psychologists.
Enhanced protection and higher coverage limits:
- Expanded Licensing Board Defense Reimbursement Limits: You can now enhance your basic Licensing Board Defense protection to $25,000, $50,000, $75,000 or $100,000 for a small additional premium. Other Governmental Regulatory Body Defense Reimbursement limits also expand respectively to $7,500, $10,000 $12,500, or $15,000 when you purchase enhanced Licensing Board Defense protection.
- Licensing Board Defense Reimbursement Coverage in Retirement: Many psychologists maintain their license long after they retire, leaving them subject to possible licensing board investigations. Your policy will reimburse you for defense expenses if a licensing board investigates an event that occurred during your policy period. If you have an occurrence policy or a claims-made policy and obtain the extended reporting period (i.e., a “tail”), you will continue to have this coverage even after you retire.
- Record Retention: In many jurisdictions psychologists are required to maintain patient records many years after retirement. The Trust policy includes coverage for the retention, destruction, or release of records created while you were insured. If you have an occurrence policy or a claims-made policy and obtain the extended reporting period (i.e., a “tail”), you will continue to have this coverage even after you retire.
Have more questions or need clarification?
For more detailed answers, or if your question was not answered here, please call us at 1-877-637-9700.
Annual Premium$35
Limits of Liability
$1,000,000 each incident
$3,000,000 annual aggregate
Psychologists with pre-licensure status are eligible for the following discounts.
- 35% off your 1st year
- 25% off your 2nd year
- 15% off your 3rd year
Licensed Producer – Sheila LeBeau, CA #0F77147, FL #PO99941
Principal Place of Business – Maryland
* Insurance provided by ACE American Insurance Company, Philadelphia, PA and its U.S.-based Chubb underwriting company affiliates. Program administered by Trust Risk Management Services, Inc. The product information above is a summary only. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit new.chubb.com. Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index.
** 10% CE Discount not applicable for Student or Research/Academician Policies. Proof of continuing education must be submitted.