Once your practice employs anyone, yes. It's separate from clinical liability.
Yes. Records covering multiple family members in one file are especially sensitive.
Not always. Coverage often follows licensure and the client's location may govern.
It's the recurring claim source. Professional liability responds to disputes between parties over disclosure.
Disclose forensic work. Court involvement carries distinct exposure and is sometimes excluded.
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.
