Types of Therapy and Counseling we serve
Common questions about Therapy and Counseling
Answering the most frequently asked questions about Therapy and Counseling.
Not always. Many policies restrict coverage to states where you’re licensed, and telehealth can place the treatment where the client is located. Confirm territory and licensure wording before treating across state lines.
Yes. Group practices need entity coverage alongside individual policies, plus employment practices liability once there are employees. A solo policy will not respond on behalf of the practice as an organization.
Yes. Electronic records, telehealth platforms and scheduling software all hold protected health information, and HIPAA obligations apply identically to a solo practitioner and a hospital.
It pays to defend you before a licensing board. It’s often a small sublimit or a separate endorsement rather than part of your main limit, and board complaints are far more frequent than malpractice suits.
Usually yes, and these are among the most common claims in the field. Confirm the policy addresses confidentiality breaches and regulatory complaints, since coverage varies meaningfully between carriers.
Factors include the types of services you offer, your business size and revenue, location, claims history, and the coverage limits and deductibles you choose.
It covers financial losses from data breaches, including client notification costs, fraud monitoring, and investigation expenses.
Yes, telehealth coverage can be included in your professional liability policy, covering claims related to virtual therapy sessions.
It covers third-party bodily injuries, property damage, and legal fees for incidents such as slip-and-fall accidents at your office.
While not always legally required, malpractice insurance is strongly recommended to protect against lawsuits for professional negligence.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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