BUSINESS MALPRACTICE INSURANCE
Mental and Behavioral Health Clinics

Peace of mind is knowing your practice
and employees are taken care of.

Get a Quote & Apply

We’ve built our entire platform to work around you, so everything you need to protect your employees and business can easily be done right here. Plus, you’ll get competitive rates, discounts and exceptional customer service when you need it.

Program Highlights

Exceptional coverage, tailored to you.

Professional and Supplemental
Liability

Provides coverage for claims resulting from your professional services and bodily injury/property damage that occurs during a session.

Portable Coverage,
Including Telehealth

Coverage follows you wherever you can legally provide services within the scope of state licensing laws

Lifetime Occurrence
Form Coverage

As long as coverage was in place at the time services were being rendered, the policy provides lifetime coverage for future claims

Subpoena/Deposition Coverage
with dedicated specialized
attorneys

Covers legal expenses incurred for appearance at a deposition up to $35,000

Unlimited Defense Coverage

Provides coverage for defense/attorney’s fees in a covered claim or suit

Supplemental Coverages:
Medical Expense, First Aid &
Assault Coverage

  • Medical Expense: $5,000 per person
  • First Aid: $5,000 per incident
  • Assault: $15,000 for bodily injury or property damage to you resulting from an assault while traveling to/from work

Avoiding Liability Helpline:
2 hours of attorney consultation
to help mitigate an ethical or
legal concern

Policyholders receive 2 hours of attorney consultation for ethical concerns that could potentially result in a covered claim

$35,000 of state licensing board
defense coverage with options to
increase

Covers up to $35,000 of expenses resulting from an investigation or proceeding by the licensing board or regulatory body

Attorney-written “Avoiding
Liability” monthly bulletin

Policyholders receive a monthly bulletin written by an attorney regarding avoiding liability

Download Example policy (PDF)

You’re more than an individual.
You’re also an entity.

Your individual policy covers you, but what about the business you’ve worked so hard to create? Protect it with business entity insurance. It’s rated differently than individual coverage and covers your business if it’s named in a lawsuit associated with your professional services. Combine it at any time with your individual coverage to protect you and your business, all under one policy.

Business Entity Optional Coverage

Commercial General Liability

Limits:$1,000,000 per incident / $3,000,000 annual aggregate
Summary:Coverage for bodily injury and property damage at a rented office

Business Personal Property

Limits:$15,000 (Subject to a $500 deductible)
Summary:Covers loss/damage to the contents of your office used in your professional practice
*not available in FL

Additional Insured

Limits:Matches Professional Liability Limits
Summary:Secondary coverage for entities related to your professional practice: landlord, employer, contracting agency, supervisor, etc.

Cyber Liability

Limits:$15,000 or $25,000
Summary:Protection of a data breach of your client’s information
*not available in AK, ND, and NM

Vicarious Sexual Misconduct

Limits:$1,000,000
Summary:Coverage if you are held liable for another person’s abusive conduct (i.e. negligent supervision, reporting, employment)

Hired and Non-Owned Auto

Limits:$1,000,000
Summary:Coverage for liability resulting from an employee’s use of their own vehicle for business purposes

Business Income and Extra Expense

Limits:$250,000
Summary:Coverage for loss of income due to suspension of your practice caused by physical loss or damage to your office

Discounts

We start with competitive rates, then help you save even more.

  • 5% off your premium when you bind online (only available for up to 6-person groups) *not available in TN and ME
  • Size of group discount for groups of 3 or more providers
  • Save 10% for completing your state’s Legal and Ethical CEU requirement for licensure renewal
  • Discounts for certain Professional Association Affiliations

What can we help you with?

Get a quote. Apply now

Still have questions? Contact us