Frequently Asked Questions
Malpractice Insurance Coverage
Occurrence coverage is lifetime coverage for the policy period. This means that if there is a claim or suit against you, as long as you were insured at the time of the incident or treatment that resulted in the claim or suit, this policy will still apply. The premium will also remain the same every year and each year will be secured with its set of limits for whichever option was chosen (i.e. $1 million/ $3 million).
A Claims-Made policy will cover claims that occur while the policy is in effect. Coverage starts with a lower premium which increases as the liability increases. If policy holders wish to extend the amount of time they can report a claim after the policy expiration date, they will need to purchase what is known as a “tail coverage” or an “Extended Reporting Period”.
We offer Prior Acts Coverage going back to your expiring claims made policy’s retroactive date. Contact our office for more information.
The policy term is one year with a one-time payment upon application. We do not offer month-to-month policy coverage OR payments. Please note that our policies DO NOT auto-renew and we require you to re-apply every year.
I am supervising interns. Can I cover interns under my policy? Are my supervision services covered by the policy?
Customers with Individual policies cannot add employees or interns to their policies. The employees or interns must take out their own policies. Your policy automatically covers you for supervising interns as long as such practice falls under the scope of your licensure.
If you are a customer with group/corporate coverage, you may request to add employees to the policy by accessing your account in our portal.
Log into your customer portal account to make changes, additions, and upgrades to your policy:
- Click the My Account button above to log into your CPH customer portal account
- Once in the portal, go to Make Changes to update your contact information and make changes (or additions) to your existing policy
For a detailed, step-by-step guide on how to make policy changes online, click here!
*Please note is it your responsibility to notify CPH of any changes to your name or contact information.
Supplemental liability is coverage that pays for legal liability for bodily injury, property damage and personal injury liability claims that occur while you are rendering your professional services. Limits of $1,000,000 per occurrence/$3,000,000 aggregate or $1,000,000 per occurrence/$5,000,000 aggregate are available.
The first number (“Per Incident” or “Per Occurrence”) refers to the maximum amount that can be paid as “damages” for any single claim. The second number (“Aggregate”) refers to the total amount that can be paid for all claims during the policy period (in our case, the “policy period” = 1 year).
Defense costs are unlimited and are not deducted from the limits of liability.
While all Business Entities may apply online, only single person entities may actually purchase online. Any Business Entity employing more than just an owner can submit their application online and will receive an invoice within 2 business days.
Group policies cover the named corporation and any individuals included on the policy for practice under the umbrella of the corporation. At least one person must be listed as owner/partner/principal in order to take out a group policy. All administrative staff are automatically covered under the policy and do not need to be named on the application.
If you are currently insured under an individual policy, you do not need to take out a second policy. You may instead upgrade your current policy to corporate status in your Customer Portal.
What if I am incorporated and the only employee of my corporation. Can I cover both under one policy?
If your professional practice is incorporated, you can take out a corporate policy even if you are the only employee. You would still use the Group Entity application, but you would list yourself as the sole Owner/Partner/Principal.
If you do additional practice outside the umbrella of your corporation, you may elect to add a “Work Outside” endorsement when you complete the application for coverage.
If you are currently insured under an individual policy, you do not need to take out a second policy. You may instead upgrade your current policy by accessing your account in the Customer Portal. Go to Make Changes To My Policy, select Add Something, then select Add Corporate Coverage.
If you have a corporation providing mental health services, it can be sued separately as its own entity in addition to any suits against individual counselors that may be working for the corporation. Paying an extra 10% of the premium for “Separate Limits” gives the corporation name itself its own limits of liability (for example $1Million Occurrence/$3 Million Aggregate) in addition to the existing ($1/3 Million) limits of liability covering all individuals listed under the policy. “Shared limits” means that if the corporate entity is sued in addition to any individuals, the $1/3 Million limits of liability must be shared between them, and the coverage may be exhausted more quickly.
NOTE: Separate limits will only be issued in amounts identical to those covering the individuals listed on the policy (e.g. $1/3 Million limits; $1/3 Million separate limits). Separate limits are NOT available in denominations differing from the main set of limits (e.g. $1/3 Million limits; $2/4 Million separate limits).
If you have a group/corporate policy, administrative staff are covered automatically and do not need to be listed on the policy. If you have an individual policy, you cannot cover your administrative staff.
NOTE: Patient intake personnel are not considered to be “administrative staff.” To cover them under a group policy, they must be named and paid for as employees
Policies written on a Claims-Made basis contain a specific date on which coverage begins (commonly known as the “retroactive date”) and provides no coverage for claims arising out of occurrences that take place prior to this date.
Your policy with CPH Insurance is written on an occurrence basis, and there is no “retroactive date” named in the policy. Occurrence coverage applies to claims or suits resulting from professional incidents occurring during the policy period. See the “Occurrence Coverage vs. Claims Made” section below for additional information about the differences between the two policy types.
Yes, cyber liability coverage is extended to our mental and allied health professionals as a claims-made endorsement. We do not offer cyber liability as a stand alone policy; you must have a professional liability policy with CPH Insurance in order to add cyber liability. There are two different levels of coverage offered. For more detailed information about cyber liability coverage, please click here.
Yes – provided such practice is authorized or allowable under the scope of your license in the state where you practice, you are performing such services lawfully and the online platform you’re utilizing is HIPAA compliant. Contact your state licensing board if you are unsure.
Yes. CPH malpractice policy holders have the option to add Business Income & Extra Expense Coverage if they also add CPH TOP coverage (general liability and business personal property) to their policy. Together, these coverages provide protection for incidents related to slip and fall, damage to your personal property and potential loss of income as it relates to restoring your office space due to damage. This coverage is not available in Florida.
Business Income and Extra Expense coverage costs $50 per year for a $250,000 limit which would include:
- The Loss of Business Income
- Payroll Expenses
- Temporary Practice Location
To review Business Income and extra Expense coverage details and exclusions, click here!
To add Business Income and Extra Expense coverage to your existing policy with CPH Insurance, login to your customer portal, select “Make Changes to My Policy” and submit a “General Change Request.”