Therapy
Services for the mind and body are more crucial and prevalent than ever in our society. We can consider a variety of therapeutic classes, ranging from behavioral health counseling to physical therapy.
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Insurance policy highlights can include:
- Separate limits for claims-made professional liability and occurrence general liability
- Option to purchase standalone professional liability
- Duty to defend for professional liability
- Third-party discrimination
- Defense cost coverage available for patient molestation claims
- Punitive damages coverage where insurable
- Supplemental payments coverage for lost wages to attend trials or hearings in defense of a claim
- Coverage for attorney fees, costs and expenses incurred by the named insured in defending against investigations or disciplinary actions by licensing boards
Coverages can include:
- Professional liability
- General liability
- Abuse and molestation
- Business personal property
Markets
Claim Example
ABA Therapy, Inc. is a mental health office specializing in treating children with autism and similar disorders through applied behavioral analysis therapy. Through experience, the office determined children make better progress when they’re not distracted, so the office institutes a policy disallowing parents from being present during the sessions. Later, allegations of abuse are made against a former employee. ABA Therapy, Inc. is pulled into the suit, with claims of child endangerment and negligence in instituting office procedures. The matter was settled on behalf of ABA Therapy, Inc. for an undisclosed amount after protracted litigation. Defense costs were in excess of $100,000.