We accept any nationally accredited association or state licensing board CE course credits.

BehavioralHealthCE

We have negotiated a special benefit exclusive to our clients. APA, Inc. policyholders receive an unlimited 10% discount on all courses taken at BehavioralHealthCE.com. Simply obtain the current discount code in your renewal packet or contact APA, Inc. or Behavioral Health CE. All BehavioralHealthCE.com courses are completed online. Unlike other CE providers, all BHCE courses can be viewed for free prior to purchasing your CE credits, so your satisfaction is guaranteed!

We accept any nationally accredited association or state licensing board CE course credits.

Telebehavioral Health Institute (TBHI) 10% Discount for APA, Inc. Policyholders

American Professional Agency partnered with Telebehavioral Health Institute (TBHI) to bring our policyholders a 10% discount on Telehealth Micro Certification packages.

There are two primary policy forms for Professional Liability Coverage – the Claims Made Form and Occurrence Form. Many types of professional liability coverage, including Directors and Officers Liability and Employment Practices Liability, are only written on a Claims Made Form. Here are the differences between the two forms:

When a policyholder has an Occurrence form, an incident that occurs during the policy period will be covered by that policy, regardless of how many years later the claim is reported. Incidents that occur before the occurrence form policy is issued are not covered.

When a policyholder has a Claims Made form, a claim that is made against the insured is covered by the policy in force at the time the claim is made. A retroactive date is usually established as the day the very first Claims Made policy is issued. All subsequent renewal policies use the same initial retroactive date. Claims occurring before the original retroactive date are not covered.
When a policyholder decides not to renew a Claims Made Form, an Extended Reporting Period (ERP) endorsement may need to be purchased. This endorsement does not need to be purchased if:

• The policyholder switches insurance companies and remains on a Claims Made Form with the new company keeping the same original retro date, otherwise known as “Prior Acts.”
• With the APA, Inc. policy underwritten by Allied World Insurance Company, an unlimited Extended Reporting Period endorsement is provided free of charge when a policyholder no longer needs to renew or cancels coverage due to permanent retirement (must be age 55 or older and an APA, Inc. policyholder for at least 5 years), permanent disability or death. Therefore, a policyholder will only need to purchase ERP coverage in the event the policyholder chooses to switch to another insurer who does not offer a Prior Acts coverage endorsement, or is under age 55 and/or an APA, Inc. policyholder for less than five years when deciding to retire. In these instances, the one time cost for the ERP endorsement is 200% of the expiring premium.

• No need to buy an Extended Reporting endorsement

Because a claim can sometimes be filed 10 years or more after a professional liability incident, the policyholder may have the following uncertainties:

• Tracking which Occurrence policy in the past will respond to the claim just filed.
• The former Insurance Company may no longer be solvent. If the Insurance Company filed bankruptcy, the policyholder would have to rely on state Guaranty Funds which usually provide lower limits and services.
• Whether the past policy now has adequate limits due to inflation.

• Less expensive than Occurrence form, especially in the first four years of coverage of the Allied World Insurance form. After five years, the Claims Made Premium levels off. The lower cost for the first four years is especially attractive to professionals just starting their career.
• Flexible – Recently increased limits and broadening endorsements will apply to past incidents that are reported under the current policy and occurred after the retro date. For example, $500,000 per occurrence limit may have been considered adequate when a Claims Made form was first issued years ago. Today, $1,000,000 or even $2,000,000 may be considered adequate due to inflation. If a Claims Made policy is endorsed today to $2,000,000 limits, these higher limits will apply to a covered incident that may have happened two, five, ten years ago or more.
• Less uncertainty as to the current company’s financial stability. Coverage can be switched to another carrier with no lapse of coverage if your agent determines the current carrier is in financial difficulty.

• Need to plan for Extended Reporting Period endorsement when deciding not to renew a Claims Made form. Your APA, Inc. underwriter will guide you when or if an Extended Reporting Period endorsement is needed. You will also receive formal written notice when your Claims Made policy lapses or non renews to remind you of your need to investigate your need for this endorsement.

• 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.

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

• 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.

• 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
• Punitive Damages Coverage: Up to $25,000 (where allowable/insurable by law)
• Subpoena for Records: Limit of $5,000 per proceeding with NO annual aggregate (higher limits are available up to $150,000)
• Loss of Earnings: 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
• Emergency Aid Coverage: Reimbursement up to $15,000 for your 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 at 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)
• Limits up to $2 million per occurrence/$4 million per policy year (higher limits available if required by law)
• “Prior Acts” coverage is available; therefore, it is not necessary to purchase tail coverage to change to our company
• No Surcharge for Claims
• 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, Teletherapy 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 application processing is available in most cases
• Experienced and knowledgeable claims professionals and customer service representatives are easily accessible by telephone
• Interest-free quarterly payments (annual premium over $1000) and online credit card processing

• 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, Zur Institute and Telehealth

We accept any nationally accredited association or state licensing board CE & RM course credits.

To be eligible for the discount(s) the course(s) must be completed within the previous 12 months of application or renewal.

This discount applies only to the individual insured who meets our underwriting criteria for the Continuing Education Credit Discount. Therefore, only apply the discount to the rate that applies to that individual when computing your premium. You may be eligible for a 5% discount for the completion of 6 CE credits approved by your state or national psychological association or by your state licensing board. You must forward proof (certificate of completion) to this office that you have received 6 CE credits.

We accept any nationally accredited association or state licensing board CE & RM course credits.

To be eligible for the discount(s) the course(s) must be completed within the previous 12 months of application or renewal.

This discount applies only to the individual insured who meets our underwriting criteria for the Risk Management Discount. Therefore, only apply the discount to the rate that applies to that individual when computing your premium. A 5% discount will be given for the completion of 3 RM credits. Please forward proof (certificate of completion). We will refund the 5% if you qualify. Please include the syllabus and outline in order to be considered for the discount.

You can now save 5% on your insurance premium by taking online risk management courses.
To assist you in obtaining your premium discount, we have negotiated a special benefit exclusive to our clients. APA, Inc. Policyholders receive an unlimited 10% discount on all courses taken at BehavioralHealthCE.com. Simply obtain the current discount code in your renewal packet or contact us at (800) 421-6694 Ext. 2304 or contact BHCE.

All BehavioralHealthCE.com courses are completed online.
Unlike other CE providers, all BHCE courses can be viewed for free prior to purchasing your CE credits, so your satisfaction is guaranteed!

If you are reporting a Subpoena, Lawsuit or Board complaint please fax or email the information and we will contact you within 24 hours or sooner.

Fax: 631-598-7249

Email:  claims@americanprofessional.com

For immediate assistance regarding these matters please call our office at 800-897-0033.

For Psychologists: 855-598-8657
For Psychologists (Texas Residents): 855-218-8161

• Partnership
• Professional Corporation (Incorporated as a P.C. or P.A.)
• LLC/LLP
• General Business Corporation

1. A copy of your articles of incorporation
2. A detailed letter describing all services provided or available brochures and your website (if you have one)
3. A listing of owners and/or partners, including the percentage of business ownership for each