You’re great at helping others.
Don’t forget to help yourself.

Malpractice Insurance for Licensed Professional Counselors

Proud Partners

CPH Insurance is proud to serve LPCA members in support of Licensed Professional Counselors growth and stability.

Having served mental health professionals for 20 years, CPH Insurance insures students, provisionally licensed interns, and fully licensed professionals with malpractice insurance.

As a Licensed Professional Counselor, you’ve dedicated your career to helping others, and you should be free to focus on clinical care without worrying about a threat to your livelihood. With Malpractice Insurance for Licensed Professional Counselors,  you can have peace of mind knowing you’re protected in the event of a claim or suit, a grievance from a regulatory board, plus many other coverage  benefits.

Over the course of a career, most counselors will experience this “What should I do?” moment. This is when professional liability insurance for mental health counselors is there to help you navigate the process. At CPH Insurance, we’re here so that when something like this happens, you don’t have to go it alone. Even if you don’t necessarily have a lawsuit or board complaint on your hands, we offer consultations with an attorney under our Avoiding Liability Helpline so that you can speak with someone to avoid any such situation.

This is just one benefit of our coverage. Because there can be a variety of needs when it comes to malpractice insurance for Licensed Professional Counselors, we provide a policy that goes beyond just providing a lawyer.

Coverage Highlights

  • Professional Liability Occurrence Form (Lifetime Coverage)
  • Supplemental Liability Bodily injury & property damage during sessions
  • State Licensing Board Defense Coverage $35,000
  • Unlimited Defense Attorney fees in lawsuit defense
  • Portable Coverage Follows your licensure or certification
  • Telehealth Coverage Included in professional liability limits
  • Deposition Expense $10,000 per deposition
  • Medical Expense $5,000 per person
  • Assault Coverage $15,000
  • First Aid Coverage $15,000
  • Sexual Misconduct Defense coverage only
  • Attorney Helpline
    2 hours per policy period

Optional Coverages

  • General Liability $1,000,000 per occurrence $3,000,000 aggregate
  • Business Personal Property / Contents $15,000
  • Additional Insureds Landlords, employers, contracting agencies
  • Cyber Liability Coverage
    $15,000 or $25,000
  • Business Income & Extra Expense Coverage $250,000

What is professional liability insurance?

Professional liability insurance for professional counselors is simply, protection. It’s an insurance policy written specifically to protect your career as an LPC against a grievance from a regulatory board, claim, or lawsuit.

Why should you maintain your own LPC insurance policy?

We all know that we live in litigious times, but do we all know how we’re insured to face these times? LPCs make up a large percentage of mental health professionals who are employed at agencies/community organizations, and they’re often covered under their employer’s liability insurance. This may create the false impression that all of your potential liability needs as an individual LPC are covered when they’re not.

An employer’s policy is set up to cover the employer for any liability it may face from your work, but this doesn’t guarantee that the policy will always have your best interest in mind as the employee—as the LPC who may have moved onto a different agency or as the employee who is being countersued by the employer because they feel you were responsible.    

Why CPH?

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