Need to connect with therapists on professional liability insurance I’m working on an article for SimplePractice that covers all things professional liability insurance for therapists. I need to connect with therapists for their answers to the following questions? Why is professional liability insurance so important for therapists? What different types of professional liability insurance do therapists need—and why? As a therapist, how do you know when to increase your coverage? As a therapist, what are your top tips on how to handle claims? Any other thoughts you have on professional liability insurance for therapists, I’d love to hear them!

Our insurance needs changed the moment Interactive Counselling expanded online and into other provinces. We increased our coverage as our team grew and we added more modalities. Keeping detailed records of all sessions and communication makes any potential claim much easier to handle. I make it a point to check in with our insurer whenever something about the practice shifts, even slightly. It keeps our coverage accurate.

In my practice, I carry liability coverage because a complaint can land even when your care was solid. For therapists, the risk is not only a lawsuit. It is also a board inquiry, a subpoena, or a confidentiality allegation. One recent counselor claims analysis reported an average total incurred of $157,492 per professional liability claim, and telebehavioral health claims averaged $317,516. Match coverage to your exposure. Many therapists want professional liability plus license defense, then general liability for office visits and cyber for records. Raise limits when you supervise, take higher acuity clients, add telehealth, or your caseload jumps. If a claim starts, call your carrier right away, freeze the chart, and let counsel guide responses. In that same analysis, 7.0% of paid indemnity claims were $500,000 or more.