Entity coverage may not extend to individual clinical decisions. Many counselors carry their own alongside.
Professional liability generally responds. Confirm the wording, since coverage varies between carriers.
Substantially. Counseling records carry heightened sensitivity and full HIPAA obligations.
Yes. Directors and officers covers governance of a clinically regulated operation.
Yes. Professional liability at entity level responds to counseling and referral claims against the organization.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
