Professional Liability Insurance for NAADAC Members

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In Spring 2015, NAADAC endorsed a professional liability program, exclusively for NAADAC members, through the American Professional Agency, Inc. (APA, Inc.), an underwriter of professional liability for the behavioral health and allied health field for 40 years. With over 100,000 insured professionals, APA, Inc. is one of the top program administrators in the country and offers broad coverage at lower premiums. Please note, NAADAC does not provide insurance directly.

The latest in a suite of products developed specifically for mental health professionals, APA, Inc.’s professional liability program provides coverage that is tailored to the unique exposures faced by addiction counselors. Coverage is also available for NAADAC members who are nationally certified Peer Recovery Support Specialists, Associates working under supervision, Clinical Supervisors, Corporate Entities, and Students.

Download Professional Liability Insurance Flyer

Contact Information

For more information on reduced rates for malpractice and liability insurance for individuals and agencies, please call the American Professional Agency, Inc. (APA, Inc.) at 1.800.421.6694 x2312 or e-mail [email protected] for full details.


Program Highlights for Eligible Addiction Professionals (except Students)

  • 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.

Program Highlights for Students

  • 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.

Program Highlights for Peer Recovery Support Specialists

  • 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
How to Apply

Addiction Professionals

  • Click here to download an application to submit by:
    • Email to [email protected].
    • 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:
  • By phone at 1-800-421-6694 x2265 to speak with an underwriter in the Student Department.

Peer Recovery Support Specialist (PRSS)

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

  • Email to [email protected];
  • 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.

Learn More About Professional Liabiliaty Insurance
Professional Liability Insurance Training: A Must For All Mental Health and Addiction Professionals in this Challenging Environment

Description: Addiction counselors, affiliates, and licensed mental health professionals are facing new realities and challenges in this ever-changing environment, and there is a need to recognize the various liabilities associated with the delivery of services. This webinar is geared toward providing a basic explanation of malpractice insurance, more commonly referred to as “professional liability insurance.” Presenters will discuss the importance and necessity of maintaining coverage in the care, custody, and control of the professional providing services; provide an understanding of the different policy forms available on the market while simplifying the differences; discuss limits of liability and defense limits for lawsuits/claims and licensing board procedures; determine individualized comprehensive coverage designed for each policyholder, including eligibility, application completion, and commonly missed questions; and discuss in-house claims and risk management helpline resources, which are the first line of defense when facing common liability issues. Attendees will participate in a Q&A session and share personal experiences following the webinar.