Malpractice Insurance Companies

American Psychological Association Insurance Trust (APAIT)

American Psychological Association Insurance Trust (APAIT) generally covers licensed psychologists.

Gerry Koocher, Ph.D. a Trustee for APAIT, posted the following on 1/15/13: “The professional liability policy provided by The Trust is a broad-based policy and would cover any policyholder for civil liability or board complaints arising out of provision of telepsychology services in the same way it provides coverage for other claims and complaints. No provider of professional liability coverage, however, will cover claims of criminal liability.”

American Professional Agency

American Professional Agency is the company most often used by psychiatrists, but also carries policies for other mental health professionals.

They do make these stipulations clear, however:

If you do not hold a license in the state where your patient resides and one is required, you may not be covered by the policy.

You must be HIPPA compliant, which includes, but is not limited to, using a secure site to avoid any breach of a patient’s rights. Being non-compliant, could put you at risk to fines and penalties, as well as having a suit or complaint being brought against you for breach of confidentiality.

NASW Assurance Services

NASW Assurance Services covers social workers.

They published An Important Caution for Social Workers Practicing Online Therapy, which includes these statements:

“The Social Work Professional Liability Insurance policy sponsored by NASW Assurance Services provides coverage worldwide, as long as the claim is made and the suit is brought in the United States, its territories, possessions, Puerto Rico or Canada. Therefore, it’s not necessary to purchase another policy for internet, phone/telecommunication practice… There may be different requirements and/or licensure in the various states in which you may be practicing. As stated in VI. EXCLUSIONS under item Q. of the insurance policy, coverage would be excluded for a wrongful act committed while you did not have a license as required by law. You must be practicing legally for the policy to afford coverage.”

CPH

CPH covers CA MFTs and other mental health professionals.

CPH states on its web site regarding coverage for E-therapy or Internet Therapy: “Yes – provided such practice is authorized or allowable under the scope of your license in the state where you practice and provided you are performing such services lawfully. Contact your state licensing board if you are unsure.”

TelMed

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