September 2018

What is Commercial General Liability Insurance? Can I add it to my Malpractice Policy?

Commercial General Liability Insurance, often called “Slip and Fall”, is a common requirement among landlords for their tenants. Even if your landlord doesn’t require this of you, it still may be something you want to consider adding to your malpractice insurance policy.

Simply put, general liability insurance protects you if held liable for bodily injury on the premises you provide services. It is comprehensive coverage that extends to your office, stairways, parking lots, bathrooms, etc.

General liability also provides “Fire and Water Legal Liability,” to protect you if held liable for damage to your rented premises (i.e. your coffee pot causes an electrical fire that damages your suite.)

CPH offers general liability for $182/year for existing malpractice insurance policy holders. The limits of liability provided are $1,000,000 per occurrence/$3,000,000 aggregate and there is no deductible. You can add it anytime during your policy by logging into your customer portal.

My Landlord already has this coverage, so why do I need it?

It is likely that your landlord’s policy only protects him/her if held liable for a bodily injury claim. Just because he/she has this coverage, doesn’t mean you are insured under it. Securing your own general liability policy ensures that you personally are protected if held liable for bodily injury.

I added my landlord to my policy…Do I also need to add General Liability?

Adding your landlord as an additional insured to your policy does not mean you have general liability; these are two different types of coverages. Typically, your landlord wants to be added as an additional insured onto your general liability policy. This means they can seek secondary coverage under your policy.

There is no charge to add a landlord as additional insured onto your policy.

What is the different between Professional Liability, Supplemental Liability and General Liability?

  • Professional liability: This is your “malpractice” insurance; it protects you against claims and allegations resulting from the professional services you render to clients.
  • Supplemental Liability: This is coverage for bodily injury experienced by your client while you’re in session. It also provides coverage for Personal Injury, which is injury other than bodily injury.
  • Commercial General Liability: General liability is similar to supplement liability, but much more comprehensive.  It applies outsides of sessions, and injury experienced to anyone on the premises (not just a client). It could be the mailman, a parent, or a client waiting in the waiting room.

What are some examples of General Liability Claims?

Below are two real-life general liability claims seen by CPH insureds:

  • Claim 1: A therapist who was sub-leasing an office invited a client into his office for a session. The client did not see a step down, causing him to trip and break a bone in his foot. The client sought reimbursement for medical expenses, and $1,000 was paid out on the policy.
  • Claim 2: An autistic child fell during a session, causing 2 fractures in his arm. $764 was paid out on the policy.

This is a brief introduction to General Liability insurance and why you may want or need it. There are many factors to consider when evaluating your coverage needs; What is my space like? Does it get icy in the winter? Do I have elderly or minor clients? You also may have a lease or contract that requires you to carry General Liability. CPH Insurance allows you the opportunity to tailor your policy so that it can uniquely meet your mental health practice needs.

*Please note: You must have professional liability insurance with CPH Insurance in order to attain General Liability coverage, unless you’re seeking General Liability for a special event. If you need Special Event General Liability Insurance, click here to get a quote and apply online!

Questions? Call 800-875-1911 and speak to a licensed agent about your options!

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CPH Insurance

Over the last decade, more than 500,000 people chose CPH Insurance for liability insurance. Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.

We all know or have heard that eating plenty of fruit and vegetables is important for our health and wellness.  So, why is it such a challenge for so many people to eat them or the required amount to keep them healthy?

As a nutritionist, I recommend building a healthy plate with 50% filled with colorful vegetables and some fruit. These plants improve overall wellness by providing the body with vital nutrients, vitamins, minerals, and fiber. They’re our only source of phytonutrients which are healing and powerful plant chemicals that promote good health.  They protect us from various types of cancer, inflammation, autoimmune disease, heart disease, obesity, and many other chronic illnesses.

So aim to eat 10-14 servings of plants daily, with a focus on non-starchy veggies at every meal such as dark leafy greens (kale, spinach, romaine), broccoli, cauliflower, asparagus, carrots, radish, zucchini, peppers, mushroom, celery, cabbage, fennel, and artichoke.  Half your plate should be fully loaded with these vegetables and a variety of color. Think about eating the rainbow every day, with these vegetables as the star of your meals.  Then add about 2-3 servings of fruit a day.

How do 10-14 servings add up? Let’s say you have a large salad at lunch with romaine and 4 different vegetables like carrots, cucumber, mushroom, and broccoli, then fill your plate at dinner with 2 cups of cooked veggies, that’s 8 servings of veggies right there! Add in a serving of fruit at breakfast, for a snack, or dessert, and you’re at 10-11 servings of plants!

What exactly do the colormean?

Redblue and purple fruits and vegetables like eggplant and beets contain anthocyanins, and red fruits and vegetables like tomatoes and bell peppers contain lycopene. Anthocyanins have antioxidant properties that help limit cell damage caused by free radicals and may also lower your risk for heart disease, stroke, cancer, and memory problems. Lycopene protects against your risk for cancer and heart disease.

White fruits and vegetables like garlic, onion, and leeks contain allicin, which may help lower your risk for high blood pressure, high cholesterol, cancer, and heart disease.

Orange and yellow fruits and vegetables contain carotenoids, found in pumpkin, winter squash, sweet potato, and carrots. Carotenoids protect against cancer, help improve your immune function, and benefit skin and vision.

Green found in broccoli, brussel sprouts, cabbage, cauliflower, kale, and arugula contain phytochemicals and indoles which help prevent the risk for cancer and boost detoxification.

As a nutritionist and wellness coach, I help educate my clients on the powerful healing effects of food so they can make better choices.  Now you know what a wealth of health it is to eat fruit and vegetables. And eating the rainbow daily literally is your personal food pharmacy.  If you are having trouble finding ways to add more fruit and veggies to your meals, here are simple ideas to incorporate them every day!

14 Nutritionist Recommendations to Eat your Way to Good Health!

  1. Enjoy a breakfast smoothie with dark leafy greens like spinach or kale, frozen berries, and banana. (keep fruit to 1 c serving)
  2. Make a veggie wrap or sandwich with roasted vegetables on a whole grain tortilla or bread.
  3. Add vegetables to your pizza slice. Try broccoli, mushrooms, spinach, tomato, peppers, and zucchini.
  4. Grill colorful vegetable kabobs with tomato, peppers, mushrooms, and onions.
  5. Keep a colorful fruit bowl in eyes view wherever possible. What you see you will eat.
  6. Have a vegetable omelet stuffed with an abundance of vegetables like spinach, mushroom, peppers, tomato, and avocado.
  7. Enjoy sliced veggies with hummus or guacamole dip. Try carrots, celery, cucumber, peppers, cauliflower, broccoli, radish, etc.
  8. Add vegetables to your sandwiches. (dark leafy greens like romaine or spinach, tomato, avocado, fermented pickles)
  9. Add fresh fruit to your yogurt, pancakes, and cereal.
  10. Top a sweet potato with broccoli, beans, and salsa.
  11. Enjoy a side salad and hearty cup of soup for lunch. Lentil, split pea, vegetarian chili, butternut squash, or just vegetables are great options.
  12. Have zucchini noodles (zoodles) or lasagna, broccoli or cauliflower rice or mash instead of pasta, rice, and potatoes.
  13. Have fruit for dessert. Freeze bananas and avocado for healthy ice cream options.
  14. Stock up on organic frozen fruits & vegetables so you always have quick, healthy meal options on hand.

So, you heard it straight from the nutritionist…eat more plants! But, now you know how easy it is to add good health to your meals every day. What are some ways you’ll get started this week? As always, I’d love to hear from you and your favorite ways to add vegetables and fruit to your meals!

To your health & happiness, xoxo,


Amy Salman is the Founder and CEO of The Wellness Map. She is a nutritionist and wellness expert and educator.

Amy was suffering with chronic illness since the age of 12. After her diagnosis with Hashimoto’s disease as an adult, she had enough of simply surviving and the plethora of medications from doctors. With a complete shift in her diet, complemented by a holistic lifestyle, she freed herself from all unmanageable symptoms and unnecessary medications. Her success in her holistic approach led to the creation of The Wellness Map and a relentless pursuit to uncover root causes of illness and people’s why’s. The Wellness Map creates nutrition and wellness programs for individuals, groups, and corporations to help others achieve vibrant health and vitality.

Amy has been a guest speaker on The Greenberg News Show, Madhouse TV, the nutrition panel expert for BNP Paribas CFO/COO Hedge Fund Sumit, and leads nutrition lectures and events throughout the tri-state area.

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