Mental Health Services

An affinity for people who counsel people.

Your case workers, counselors and professionals provide the voice of reason for clients with a myriad of serious challenges.

Whether dealing with attention deficit disorder, spousal abuse or schizophrenia they offer the sage wisdom that can make a critical difference in people’s daily lives. They are society’s front line defense in the wars on depression, divorce and mental illness.

Should an unhappy client and their attorneys file suit, you are going to learn just what your professional liability insurance will pay—and what it will exclude.

This is when you’ll discover the true value of Affinity Healthcare’s malpractice coverage, and having a specialty broker who has tailor made your policy for a Mental Health Services business.

For example, some professional liability policies deduct the cost for legal expenses from your policy limits. The attorney fees erode your protection.

With the Mental Health Services policy your coverage for legal expenses are paid ‘outside’ the policy limits. Meaning you get unlimited coverage for things like attorney’s fees.

Protect your business properly.

Mental disorders are the leading cause of disability in the U.S. and Canada for ages 15-44. It is estimated 26% of Americans ages 18 and older suffer from a diagnosable mental disorder. This translates into 57 million people. About 6% suffer from serious mental illness.

When dealing with issues that may require prescription medications, counseling clients who may be violent or suicidal — in today’s legal climate there is always the potential for litigation.

The Mental Health Services insurance program has been designed specifically to meet those challenges. Using its brokerage resources Affinity Healthcare supplies tailored coverage to …

  • Outpatient Mental Health Centers
  • Marriage & Family Counseling
  • Counseling Centers
  • Community Support Services
  • Crisis Hotlines
  • Domestic Abuse Services
  • Family Skills Training
  • Community Action Agencies

Coverage Highlights

Professional Liability (Malpractice) Insurance
  • Occurrence or Claims-made forms*
  • Up to $5,000,000/$5,000,000 limits available
  • Legal defense costs paid over and above policy limits
  • Sexual abuse and molestation covered up to $3,000,000 limits
  • Employees and volunteers included as named insureds
  • Individuals or entities protected:
    • Owner and/or Entity(ies)
    • Subsidiaries – Insured’s interest 51% or greater
    • Employees and volunteers included as insureds
  • Coverage available for the following professionals:
    • Psychologists
    • Counselors
    • Nurses
    • Social workers
    • Coverage for psychiatrists, nurse practitioners and other medical doctors may be available
General Liability Insurance
  • Occurrence or Claims-made
  • Up to $5,000,000/$5,000,000 limits available
  • No deductible or options as low as $1,000
  • Contractual Liability
  • $100,000 Fire Legal Liability
  • Employee Benefits Liability (Claims-made only)
  • Employers Hired and Non-owned Auto
    • Up to $1,000,000 combined single limit per accident available
  • Electronic Data Processing
  • Miscellaneous articles
  • Accounts receivable
  • Valuable papers
  • Employee Theft
  • Forgery or alteration
  • Inside premises theft of money and securities
  • Outside the premises theft
  • Inside premises robbery (burglary)
Application Underwriting Guidelines

To complete the underwriting process, you will need to provide the following:

  • Brochure, advertising materials and/or web site
  • Loss history
  • Owner's resume
  • Previous insurer declaration page if requesting claims made coverage
  • Copy of current facility license

Request Rate Quotation

*Professional liability occurrence coverage may not be available for all accounts.