What Counselors Need from Their Professional Liability Insurance

Loss of earnings: If a claim is filed against you, it can be extremely disruptive to your schedule and livelihood. Look for a policy that pays for your loss of earnings while attending court, hearings, meetings, and more. 

Payment for professional license complaint investigation expenses: If a claimant or patient makes a professional license complaint against you, there is often an investigation and proceedings brought by a state licensing board or other regulatory body. With these investigations come associated fees, costs, and expenses. Look for a policy that offers support or reimbursement in the event of a professional license complaint.  

Personal coverage: Though some employers provide coverage, many may not fully protect you if you are faced with defending yourself against a claim. With your own personal professional liability policy, you will have full access to the coverage and limits you select.  

Coverage for sexual misconduct claims: Because of the naturally private and vulnerable aspects of counseling, counselors may be accused of sexual misconduct. When exploring your professional liability insurance options, check to see if policies include coverage for sexual misconduct claims, such as claims of sexual assault or sexual battery.   

General Liability coverage: You can have a claim filed against you beyond negligence, breach of fiduciary duty, sexual misconduct, and fraud. For example, a patient could slip on a wet spot at your office and injure themselves, finding you and your practice responsible. To protect against these types of general liability claims without purchasing a standalone policy, you may be able to find a professional liability policy that includes coverage automatically.