Marriage and Family Therapist - American Professional Agency

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Customized protection for your unique practice

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With more than 30 years safeguarding Marriage and Family Counselors, we offer customized policies tailored to your specific practice, whether you are employed full-time, practice part-time, work independently, or as part of a team, our insurance solutions provide the coverage you need to protect your interests. We offer policies for individuals, groups, and students. With a focus on exceptional service, we manage your coverage so you can concentrate on delivering high-quality patient care. Our flexible options ensure that your professional journey is safeguarded, allowing you to continue making a meaningful impact on the health and well-being of your patients.

Coverage Overview

35% for Part Time Work

5% With the Completion of 3 hours of Risk Management Courses

Exclusive Rates for W-2 Employed Practitioners

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

Discounted online Risk Management Courses with BehavioralHealth, Zurinstitute and Telehealth.

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

Additional Benefits

Offers protection against Cyber-Attacks. Available as a coverage endorsement to existing insureds.

Your policy covers you for your online virtual practice in all the states you can legally practice

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

Discounted online Risk Management Courses with Telehealth.org, BehavioralHealthCE.com, and ZurInstitute.com

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.

Marriage & Family Therapist - Renewal Application (AK)

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Marriage & Family Therapist - Renewal Application (All states except AK, AR, ME)

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Marriage & Family Therapist - Renewal Application (AR)

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Marriage & Family Therapist - Renewal Application (ME)

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

Policy Contract

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Policy Contract - AK

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Policy Contract - AR

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Cyber Suite Endorsement Contract

Cyber Coverage Contract 2.0

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Cyber Coverage Contract 2.0 - NV

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Cyber Coverage Contract 1.0 - NY

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Cyber Coverage Contract 1.0

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Highlights of the Cyber Endorsement Coverage:

Data compromise response expense – provides the resources to respond to a breach of personal information.
Computer attack – provides resources to respond to a computer attack.
Cyber extortion – responds to an extortion threat.
Data compromise liability – provides defense and settlement costs in the event of a suit related to a breach of personal information.
Network security liability – provides defense and settlement costs in the event of a suit alleging that a system security failure on the part of the insured caused damage to a third party.
Electronic media liability – provides defense and settlement costs in the event of a suit alleging that the insured infringed on a copyright or trademark, defamed a person or organization, or violated a person’s right to privacy.
Identity recovery – provides owners of the insured practice with case management service and financial resources to recover control of their identities after an identity theft.

Risk Management:

Access to eRiskHub®, a risk management portal designed to help prepare and respond effectively to data breach and cyber attacks.

Other Services:

Access to “TechQ” which offers FREE computer diagnostics by phone and competitive rates for virus removal, technical assistance and related digital security services.
Access to experts in recovering from cyber extortion and data breaches.
Process to request case management services and submit expense reimbursement claims.

PROGRAM BENEFITS AND HIGHLIGHTS

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 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 – 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 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 BehavioralHealth, Zurinstitute and Telehealth.>/il>

All Marriage and Family Therapist FAQs

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.

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.