• 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 (Maryland Residents require a separate policy for this coverage)
• 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
• 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 Behavioral Health, Zurinstitute, Telehealth.org

PREMIUM DISCOUNTS

• 35% Part Time Discount is available for up to 20 client hours a week – employment can be excluded
• 5% Risk Management Discount for 3 hours of pre-qualified Risk Management Courses (Above Coverage Features and Discounts are subject to individual state approval and underwriting requirements)

Cyber and Security Coverages For School Psychologists
Mental Health Professionals who maintain confidential patient / employee information have a responsibility to safeguard that data. With data breaches and cyber attacks becoming increasingly common, having the right cyber protection in place is critical. We offer Cyber Suite, a comprehensive coverage endorsement with multiple layers of insurance defense against the complex, ever-evolving cyber risks that psychologists face every day.

Highlights of the 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.

Claims:
Managed by experienced and dedicated cyber claim specialists with industry knowledge.

Eligibility:
Available as a coverage endorsement to existing American Professional Agency psychologists insureds. Available in most states on an admitted basis.

Limits:
Sublimits and/or a $1,000 deductible for certain coverages may apply.

Higher limits/options available.
Please contact American Professional Agency at mentalhealthamericanprofessional.com or 800-421-6694 (x2312) to learn more about our comprehensive cyber coverage endorsement.

Completing a CE certification package may entitle you to a 5% premium discount on your Professional Liability Insurance.

TeleHealth.org 10% Discount on courses for APA, Inc. Policyholders

American Professional Agency partnered with TeleHealth.org to bring our policyholders a 10% discount on Telehealth Micro Certification packages.

BehavioralHealthCE.com 10% Discount on Courses

We have negotiated a special benefit. APA, Inc. policyholders receive an unlimited 10% discount on all courses taken at BehavioralHealthCE.com. 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!