CPH Insurance is proud to serve Ohio Counseling Association members in support of mental health professional 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 member of OCA, students are granted complimentary insurance. To activate, please refer to your welcome email from OCA for the custom link to register your insurance policy online.

Post Masters, interns under supervision, provisionally licensed, or associate level professionals who have not gained full licensure qualify for coverage with CPH Insurance at a base premium of $90. OCA members have a reduced administrative fee ($10 as opposed to $20) – a $10 savings! To receive that reduced admin fee, it’s imperative to select “ACA and State Chapters” from the “Select your Professional Association” drop down menu.

Fully licensed mental health professionals (Counselors, LPCs, Psychologists, LCSWs, LMHCs, etc.) are rated based off of the following:

Occupation
Employment type (employed or self-employed) and
Number of hours worked / week (on a self-employed basis)

You may explore the CPH Insurance “Quick Quote” by inputting the information above and yielding a premium summary without submitting any of your personal information. Once again, OCA members have a reduced administrative fee ($10 as opposed to $20) – a $10 savings! To receive that reduced admin fee, it’s imperative to select “ACA and State Chapters” from the “Select your Professional Association” drop down menu.

CPH Insurance can also insure your registered business entity (LLC, PLLC, SCORP, etc.) associated with your mental health practice. Whether you operate a single-owner LLC with no employees or large corporation, it’s important to adequately cover your business entity with business entity professional liability insurance. By insuring your business entity, your individual self, as the owner, is assumed coverage. You would not need an individual policy separate from your business entity policy. Click here for a business entity malpractice insurance quote.

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

Why CPH Insurance?

Easy-to-use online application and customer portal with 24/7 real-time policy changes and document access
Exceptional customer service with no automated phone menus
Avoiding Liability Resources: 2 free hours of legal consultation (per policy year) for situations that may result in a malpractice claim

There Are Even More Ways to Save!

Additional discounts offered in addition to the OCA member administrative fee reduction are as follows:

Online Discount
Save 5% off your professional liability premium just for completing the application online. This discount is not available to applicants in the states of Tennessee and Maine.

Risk Management Discount
Save 10% off your professional liability premium for completing your state’s Legal and Ethical CEU requirement for licensure renewal. If your state doesn’t have a requirement you can still save if you have taken 4 Law or Ethics CEUs within 2 years of your effective date. This discount applies only to fully licensed professionals.

Newly Licensed Discount
If you are newly licensed or certified (for the first time) within 36 months, you may be eligible for a newly licensed discount:

50% off your professional liability premium if within the first year of licensure
25% off if licensed or certified within 24 months of licensure
ONLY Licensed Clinical Psychologists are eligible to receive 15% off their professional liability premium if licensed within 36 months of licensure