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Malpractice Insurance for Mental Health Professionals

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Expert Commentary, Safe & Smart · April 23, 2014

You Need Professional Liability Now!

Professional Liability Insurance in a Down Economy

Professional liability insurance covers liability for damages arising from the rendering of or failure to render professional services. Protect yourself and your livelihood from claims that may not be covered by commercial general liability coverage.

Professional liability insurance, also referred to as Professional Indemnity Insurance or Malpractice Insurance, protects professionals against negligence claims made by their patients or clients. Addiction Treatment Professionals commonly purchase this type of liability insurance as do architects, home inspectors, lawyers, physicians, real estate brokers and accountants – among others.   Specific professional liability insurance carries different names depending on the profession. For example, professional liability insurance for Addiction Counselors may be called medical malpractice insurance, while real estate brokers fall under errors and omissions insurance coverage. Because claims become more frequent in a down economy, protect yourself with professional liability insurance.

Professional Liability Considerations

The need for professional liability coverage developed due to typical general liability insurance policies only responding to bodily injury, property damage, personal injury or an advertising injury claim. Because Addiction Counselors can cause claims without bodily injury, property damage, personal injury or an advertising injury claim, additional coverage is needed to fill this gap.

Common claims made on these policies include negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.   For example, if an Addiction Counselor were sued for rendering bad advice, it would not cause bodily injury, property damage or advertising injuries. Because of this, the general liability policy would not be triggered. But because the advice given by the Addiction Counselor could directly cause emotional hardship for the patient, the professional liability coverage would be triggered.

To learn more about the Insurance Programs provided by The Van Wagner Group, or to apply online, please click the following links:

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I truly appreciate how your agency has always made the renewal process so straightforward and I am pleased to have had coverage through your agency for the past 12 years and counting.
Andrew K.
Because of the changes this year in malpractice insurance coverage, the process was quite different. You were so responsive to the steps needed to make the transition and have coverage in place without any missteps.
Patricia
Thank you so much for your prompt response. Customer service with V.W. has always been excellent. I really appreciate you and the fine service of the company.
Joe
I want to commend the Customer Service at the Van Wagner Group for taking efforts to make sure my liability certificate was delivered in less than 24 hours. It was the first time I had a very vague notion really, of what I needed or wanted. I appreciate their attention to detail and relentless determination to make sure I had the right policy, paper work and quickly delivered my certificate within a matter of hours. I would recommend this firm to any one novice or not for liability insurance. I …
Prathima
Thank you very much for your rapid reply and completion of my insurance renewal! I have used Van Wagner Group since I began private practice in 2011 and will continue to recommend Van Wagner Group to all my colleagues.
Gary
Omg, that’s awesome! You are the best! You are carrying on the proud tradition of customer service which I enjoyed from Tom V. back in the day.
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Van Wagner is the way to go!
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