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Yes, online and teletherapy sessions are covered under your insurance policy, providing the same protection as in-person counseling sessions as long as you abide by the state licensure requirements based on your client’s physical location at the time of treatment and are utilizing a HIPAA compliant platform to deliver the telehealth services.

Statistically, you are more likely to receive a licensing Board Complaint or a Subpoena for records or testimony than you are to receive a claim or lawsuit. Understanding this, we include, at no extra charge, coverage for such Proceedings starting at $5,000 per Proceeding with the possibility of increasing those limits up to $150,000. Unlike some of our competition, there is no annual aggregate or “cap” on the number of Proceedings that can be covered in a single policy year.

Yes, a reduced premium rate is available if you work part-time, which is defined as working 20 hours or fewer per week.

Yes, your policy protects you by covering legal defense costs, settlements and judgments in the event a patient pursues a claim for emotional distress that may arise from counseling sessions, helping to protect you from legal disputes and ensuring your practice is safeguarded.

Yes, your policy provides coverage for legal defense costs and settlements in cases of client disputes over confidentiality breaches, ensuring you are protected against claims that could damage your professional reputation.

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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.