Considerations When Searching for Professional Liability Insurance

National Certified Counselors have committed to delivering excellent counseling services to clients, so protecting their reputation and financial security is critical.

Unexpected litigation happens. Despite dedication and training, anyone can face claims. 

Professional liability insurance, or malpractice insurance, covers the cost of certain legal fees, judgments, or settlements resulting from claims and litigation brought against someone for the services they provide. But not all policies are the same. The right professional liability insurance is key to protection in the case that a claim does happen.

When searching for a policy that fits your needs, it is important to look for these additional coverage benefits.

4 Considerations When Searching for Professional Liability Insurance

1. Loss of earnings—If a claim is filed against you, it can be extremely disruptive to your schedule and livelihood. Look for a policy that pays for your loss of earnings while attending court, hearings, meetings and more. 
   
   
2. Payment for professional license complaint investigation expenses—If a claimant or patient makes a professional license complaint against you, there is often an investigation and proceedings brought by a state licensing board or other regulatory body. With these investigations come associated fees, costs, and expenses. Look for a policy that offers support or reimbursement in the event of a professional license complaint. 
   
   
3. Personal coverage—Though some employers provide coverage, many may not fully protect you if you are faced with defending yourself against a claim. With your own personal professional liability policy, you will have full access to the coverage and limits you select. 
   
   
4. General liability coverage—To protect against general liability claims without purchasing a standalone policy, you may be able to find a professional liability policy that includes that coverage automatically. For example, a patient could slip on a wet spot at your office and injure themselves, claiming that you and your practice are responsible. 

Professional Liability Insurance From Lockton Affinity Health

With a variety of options available, finding the perfect professional liability insurance can seem daunting. But with guidance and support from Lockton Affinity Health, an NBCC partner, you can narrow your search.

In fact, Lockton Affinity Health’s Professional Liability insurance for National Certified Counselors offers coverage for loss of earnings, payment for professional license complaint investigation expenses, general liability coverage and more. 

Learn more about Lockton Affinity Health’s Professional Liability coverage at LocktonAffinityHealth.com/NBCC or by contacting a dedicated customer service representative at (800) 253-5486.

The Lockton Affinity Health Insurance program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. NBCC may receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law. Not available in all states.