Common questions about Counseling and referral centers
Answering the most frequently asked questions about Counseling and referral centers.
Are our counselors covered individually?Gravity Certs2026-08-17T23:36:52-04:00
Entity coverage may not extend to individual clinical decisions. Many counselors carry their own alongside.
Are duty-to-warn decisions covered?Gravity Certs2026-08-17T23:36:51-04:00
Professional liability generally responds. Confirm the wording, since coverage varies between carriers.
Are client records a cyber exposure?Gravity Certs2026-08-17T23:36:50-04:00
Substantially. Counseling records carry heightened sensitivity and full HIPAA obligations.
Do board members need protection?Gravity Certs2026-08-17T23:36:50-04:00
Yes. Directors and officers covers governance of a clinically regulated operation.
Do we need clinical coverage as an organization?Gravity Certs2026-08-17T23:36:49-04:00
Yes. Professional liability at entity level responds to counseling and referral claims against the organization.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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