Clergy & Pastoral Counselor - American Professional Agency

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Comprehensive coverage to protect your career

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Tailored specifically for Clergy and Pastoral Counselors, our insurance program provides the essential coverage you need to protect your ministry and counseling services. Whether you're serving a congregation, offering spiritual guidance, or counseling individuals, our plans are designed to meet your unique needs. With a commitment to exceptional service, we handle your coverage so you can focus on providing spiritual support, guidance, and care. Our flexible coverage options ensure that your calling is well-protected, allowing you to continue making a meaningful impact in the lives of those you serve.

Coverage Overview

35% Discount for those who work 20 hours or fewer per week on average

5% Risk Management Discount for 3 hours of pre-qualified Risk Management Courses

NOTE: Discounts are available based upon qualifications and approval, and are subject to state regulations

Cyber Coverage

Your Policy covers you for Telehealth, but Cyber Coverage protects you and your practice against cyber-attacks. Click here for Cyber Coverage Information

Unlimited Risk Management Consultation Services

Discounted online Risk Management Courses with Behavioral Health, Zur Institute, and Telehealth.org

Flexible policies (full-time/part-time/self-employed, exclusively employed)

No deductible

Additional Benefits

Your Policy covers you for Telehealth, but Cyber Coverage protects you and your practice against cyber-attacks.

Insureds can call, email, or chat during business hours to get the answers to your most pressing Risk Management questions.

Your policy covers you for telehealth services in all the states in which you are legally permitted to practice

6-Month Subscription for Free! First-time listing in Psychology Today's Therapy Directory $180 value

Additional Resources

Renewal applications may vary by state and coverage may not be available in all states. Some renewals may require more than a single form. Please read descriptions carefully. You may have the ability renew your application by logging in to your account.

Pastoral Clergy Counselor - Renewal Application (AK)

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Pastoral Clergy Counselor - Renewal Application (All states except AK, AR, ME)

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Pastoral Clergy Counselor - Renewal Application (AR)

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Pastoral Clergy Counselor - Renewal Application (ME)

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The following are valid with effective dates After 4/1/2022

Mental Health Claims Made Policy Contract All States Except AK, AR

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Mental Health Claims Made Policy Contract - AK

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Mental Health Claims Made Policy Contract - AR

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Cyber Suite Endorsement Contract

Cyber Coverage 1.0 Contract - NY

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Cyber Coverage 1.0 Contract

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Cyber Coverage Contract 2.0

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Cyber Coverage Contract 2.0 - NV

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PROGRAM BENEFITS AND HIGHLIGHTS

Defense Expenses related to Licensing Board Hearings and Other Proceedings: Limit of $5,000 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 on your primary office locations(s) with no additional cost
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)
Subpoena for Records: Limit of $5,000 per proceeding with NO annual aggregate (higher limits are available up to $150,000)
Insurer will pay the Insured up to $1,000 per day for loss of earnings, if the Insured is unable to render Professional Services while assisting in the defense of a covered Claim
Limits up to $2 million per occurrence/$4 million per policy year: “Prior Acts” coverage is available; therefore, it is not necessary to purchase tail coverage to change to our policy
No Surcharge for Claims and there is No Deductible
Individual, group and corporate coverage
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 Peer Review and Utilization Review Activities
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

RISK MANAGEMENT SERVICES

Risk Management Consultation Services are accessible for our policyholders with experienced and professional risk managers, on a variety of topics, such as record requests/retention, privacy questions and other risk related issues
Discounted online Risk Management Courses with Behavioral Health, Zur Institute and Telehealth.org.

All Clergy & Pastoral Counselor FAQs

Yes, there are special considerations for counselors offering crisis intervention services. Your policy is designed to address the unique risks involved in crisis intervention, ensuring that you have the necessary protection when providing high-stakes, urgent care.

Yes, your policy includes coverage for spiritual counseling and religious advice, ensuring that you are protected whether providing mental health services or addressing spiritual concerns.

Professional liability insurance covers legal defense costs, settlements and judgments if a client claims emotional harm or inappropriate advice resulting from your counseling sessions. This protection helps safeguard your practice and reputation from potentially damaging lawsuits.

Proof of coverage may be issued on the same day your application is approved, and payment is received. Your certificate of insurance will be emailed to you (usually by the next business day after approval and payment). A Declarations page will be sent to you via USPS shortly thereafter.

The coverage is provided by American Professional Agency, Inc., underwritten by Allied World Insurance Company, and its member companies.

Our policyholders have access to vital resources

Risk Management Resources

Events

Cyber Coverage

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2025 American Professional Agency, Inc.

Any information related to costs, premiums, or coverage provided before receiving an official customer quote from American Professional Agency, Inc. is merely an estimate and not guaranteed. Actual cost, premium, and coverage are dependent upon various unique factors associated with each individual risk. Customer quotes are contingent upon the information supplied and are subject to underwriting and rating evaluations. Until a formal quote is issued, all content on the website, email communications, or in advertisements should be viewed solely as examples for informational purposes, lacking any offer or guarantee of premium or coverage. Additionally, the coverage terms and conditions are dictated by the specific policy issued, and any explanatory information provided does not in any way alter the terms of the policy or confirm the existence of coverage.

2025 American Professional Agency, Inc.