often negotiate with insurance providers for special rates for their
members. The four professional counseling organizations that I am
most familiar with are the American Counseling Association (ACA), the
American Mental Health Counselors Association (AMHCA), the National
Association of Alcohol Drug Abuse Counselors (NAADAC), and the
American Psychological Association (APA). All offer
excellent professional liability insurance to their members at fairly inexpensive rates
and the Healthcare Providers Service Organization insures persons without regard
The American Counselors Association
Individuals, groups and
students are eligible for professional liability insurance coverage
through the ACA Insurance Trust. Professional categories include
Professional Counselor, Psychologist, Social Worker, Counselor
Educator, School Counselor (K-12), Substance Abuse Counselor, Bodywork
Practitioner and other human development professionals. Business
Owners Package (BOP) and Directors & Officers Liability Insurance are
also available. For more information, visit the
website, or call 1-800-347-6647. Extension 284.
Licensed insurance professionals are available to offer consultation and to answer questions.
ACA Insurance Trust, Inc. (ACAIT) has partnered with
Healthcare Providers Service Organization (HPSO) to offer a professional liability insurance that provides broad coverage, whether you work
with families, individuals, or in difficult areas, such as counseling sex offenders.
Check whether your profession is covered and go through the simple
Quick Quote process to find your annual rate, then you can either apply online or by fax or mail. [I did a simple inquiry
on 9/21/10 about a mental health counselor in Washington State,
working 24 hours a week or less, not a recent graduate, and got a
quote of $159.25 a year premium for
$1 million per occurrence/ $3 million annual aggregate professional liability coverage.
American Mental Health Counselors Association
AMHCA business partner CPH and Associates has revamped its
website so that eligible
applications can apply for new coverage or renew their current policy
online. Online applications are processed immediately and
customers receive their proof of coverage in less than five minutes.
In addition, customers can now access their proof of coverage from the
"Customer Document Lookup" to print a copy or make changes.
CPH & Associates offers competitive
rates and superior customer service to Marriage & Family Therapists,
Mental Health Counselors, Psychologists, Social Workers, School
Counselors, LPC, LCPC, Licensed Educational Psychologists, School
Psychologists, Psych Assistants/Associates, Case Managers,
Rehabilitation Professionals, Nationally Certified Counselors,
Interns/Post-Masters under supervision, and Students/Trainees in
In an email November 2005,
CounselingSeattle.com was advised that CPH has a discounted category for those
completing their required hours under supervision toward licensure. It is
entitled "Post-Masters/Intern under supervision." Supervisors for those on
the licensure track will be covered for supervision automatically as long as
they pay the professional premium and they are qualified to supervise by the
state or a professional association.
National Association of Alcoholism &
Drug Abuse Counselors
NAADAC, The Association
for Addiction Professionals, is the largest professional membership organization that serves
counselors who specialize in addiction treatment. They are
located at: 901 N. Washington St. Suite 600 Alexandria, VA 22314.
Telephone: (800) 548-0497, FAX: (800) 377-1136.
Liability Insurance for Chemical Dependency / Addiction Professionals
who are members of NAADAC is available through The Van Wagner Group,
21 Maple Ave, PO Box 5710, Bayshore, NY 11706-0503, Phone: (888)
383-3512, Fax: (888) 525-9072.
In email communication November
2005, CounselingSeattle.com was advised that the regular policy covers licensed
or certified persons doing supervision; however, we recommend that you verify
that for yourself as policies are subject to change over time.
IMPORTANT: The liability insurance program does not cover physicians,
licensed or certified clinical psychologists, pastoral counselors, registered nurses in the practice of their profession
or hypnotherapists. It is intended for addiction counselors who are members of
NAADAC. If you are not a member of NAADAC, call (800) 548-0497 for a membership application.
NAADAC members online insurance application form ]
Insurance Program Highlights and Quotes ]
The American Psychological Association (APA)
Insurance Trust offers a number of different
financial security products: professional liability insurance, student liability
liability insurance, disability income insurance, and office overhead insurance
while recovering from a disability.
NASW--The National Association of Social Workers
NASW offers processional liability insurance to members and agencies through American Professional Agency Inc. They also offer Group Health
and Life Insurance.
[Thanks to Jeff Hewitt]
Healthcare Providers Service Organization
[This is an unauthorized condensation from the HPSO mail brochure.
To the best of our knowledge, this HPSO professional liability insurance is
offered directly to practitioners without regard to professional organization
Your own individual
professional liability insurance coverage protects you beyond the
limits of your employer provided plan. With HPSO you can protect your
individual interests. Provides a defense attorney, settlement of a claim,
deposition representation, defendant expense benefit, license protection,
medical expenses and property damage resulting if you are assaulted in the
workplace or while commuting to and from work, medical expenses and property
damage for persons accidentally injured or property damaged at your residence or
workplace, personal injury coverage on and off the job, even if you change
jobs--all at affordable group rates. The underwriter for the Professional
Liability Insurance Program is American Casualty Co. of Reading, PA, a CNA
company. CNA is one of the 10 largest insurance groups in the United States with
over $60 billion in assets. [They also offer a line of health
insurance.] Call 1-800-982-9491 or visit their
Get a quick quote or purchase professional liability insurance online.
In an email inquiry in November 2005,
I asked whether their policy would cover a counselor doing supervision of
other counselors working toward licensure. They assured me that it would, saying, "The intent of coverage is to pay amounts, up to the Professional
Liability limit of liability stated on the certificate of insurance, that you become legally obligated to pay as a result of a professional liability claim
arising out of a medical incident by you or by someone for whose professional services you are legally responsible." [However, as always, I recommend
that you verify this information for yourself. Floyd Else, Webmaster.]