Professional Liability Insurance

• Underwritten by Allied World Specialty Insurance Company, a subsidiary of Allied World Assurance Company.
• Eligible Insureds: addiction counselors, associates working toward licensure/certification, clinical directors, certified Peer Recovery Support Specialists, corporations/groups providing addiction counseling.
• Part time rates available for professionals working less than 20 hours a week.
• Limits available ranging from $200,000/$600,000 to $2,000,000/$4,000,000
• Coverage on Claims Made basis covering claims that are brought against you during the policy period.
• First year total insurance cost for $1,000,000/$3,000,000 limits as low as $115 for a full time Addiction Counselor
• Free lifetime “Tail Coverage” or Extended Reporting Period endorsement is available if the insured permanently retires, is permanently disabled or has died. To be eligible for free “tail coverage” upon permanent retirement, the policyholder must be insured with APA, Inc. a minimum of 5 years and be at least 55 years old. If a policyholder wants to discontinue coverage with APA, Inc. and does not qualify for free tail coverage, “tail coverage” may be purchased for a one-time charge of 175% of the expiring premium. Claim history will not prevent an insured from purchasing tail coverage.
• Coverage includes Premises Liability for “Trip and Fall” lawsuits at your workplace.
• Full defense coverage included with no cap. Defense coverage is in addition to policy limits.
• Sex Abuse Allegations are provided full Defense Coverage. A $25,000 sub-limit applies to judgments.
• Corporate or Group coverage available.
• $5,000 to $75,000 legal fee reimbursement limits available for defense costs related to proceedings such as hearings or disciplinary actions brought by a state or other licensing board or governmental regulatory body.
• $25,000 for Information Privacy coverage, which provides defense for federal and state regulators who investigate you for violation of their privacy protection statutes (HIPAA).
• $100,000 in coverage for Medical Payments to a patient arising from bodily injury on your business premises.
• $15,000 for Emergency Aid expenses reimbursement for medical supplies and up to $100 for lost earnings due to the provision of volunteer emergency treatment.
• $25,000 for Assault and Battery coverage that reimburses you for medical expenses and/or personal property damage caused by a client.
• $150,000 for Fire Legal Liability coverage.

• Student Coverage available on Occurrence Form for as low as $23 per year.
• Occurrence Form coverage with limits ranging from $1,000,000/$1,000,000 to $2,000,000/$4,000,000.
• Covers the performance of duties in field placement.

• Defense Expenses related to Licensing Board Hearings and Other Proceedings: Limit of $5000 per proceeding is included with NO annual aggregate; optional increase of defense expense limit is available up to $150,000 
• First Party Assault and Battery Coverage:  Reimbursement up to $25,000 in medical expenses related to injuries and/or personal property damage caused by a patient or client
• Medical Payments Coverage: Limit of $100,000 for Medical Payments to a patient or client arising from  bodily injury on your business premises
• Emergency Aid Coverage: Reimbursement to you up to $15,000 for costs and expenses for medical supplies and lost earnings up to $100 due to the provision of volunteer emergency treatment or services
• Fire Legal Liability Coverage: $150,000 liability limit for fire damage to third party property
• Premises Liability:  Bodily Injury Coverage and/or Damage to property of patients at your primary office location(s)
• Information Privacy Coverage (HIPAA):  Up to $25,000 defense provided for Federal and state regulators who investigate you for violations of privacy protections statutes (where allowed by law)
• Limits up to $2 million per occurrence/$4 million per policy year
• No Surcharge for Claims and there is No Deductible
• Individual, group and corporate coverage -  separate limits of liability are included
• Broad coverage at affordable rates includes Personal and Advertising Injury Coverage, Publishing of articles or books and broadcasting activities, Tele-therapy Coverage and Forensic Practice Coverage
• Coverage for Addiction Professionals, including clinical supervisor and peer recovery support specialists
• Payment of Defense Expenses is in addition to the Limit of Liability for Professional and General Business Liability Coverages
• Insuring company has an A.M. Best rating of “A” with strong financial stability
• Online credit card processing and confirmation is available same day in most cases
• Experienced claims professionals and knowledgeable customer service representatives are easily accessible by telephone

• Click here to download an application to submit by:
  • Email to mentalhealth@americanprofessional.com.
  • Fax at 631-691-2259.
  • Mail to American Professional Agency, Inc., 95 Broadway, Amityville, NY 11701.
• By phone at 1-800-421-6694 x2312 to speak with an underwriter in the Addiction Counselors Department.

Payment can be made with a credit card online for those needing coverage quickly.

• Click here to apply and make a payment online. 
• Click here to download an application to submit by:
  • Email to student@americanprofessional.com.
  • Fax at 631-691-2497.
  • Mail to American Professional Agency, Inc., 95 Broadway, Amityville, NY 11701.
• By phone at 1-800-421-6694 x2265 to speak with an underwriter in the Student Department.

Click here to apply and make a payment online, or download an application to submit by:

• Email to mentalhealth@americanprofessional.com;
• Fax at 631-691-2259; or
• Mail to American Professional Agency, Inc., 95 Broadway, Amityville, NY 11701.

By phone at 1-800-421-6694 x2265 to speak with an underwriter in the Addiction Professionals Department.