Counseling and clinical programs turn on professional liability — the claim that says the care itself caused harm. The policy has to match how your program actually runs.
The central claim in this field alleges that treatment caused harm. That is professional liability, and it is not covered by general liability.
Who is licensed, who is supervised and who is an intern all affect how a policy responds. The program structure has to be reflected accurately.
What happens outside scheduled sessions is a common gap. If your program takes crisis calls or offers after-hours support, the policy needs to account for it.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
