SterlingRisk Programs offers a specialized Professional Liability Insurance Program designed specifically for mental health and addiction treatment counselors. With over 25 years of experience serving the behavioral health industry, SterlingRisk understands the unique risks faced by professionals in this field. This program currently insures thousands of addiction counselors and mental health providers across all 50 states.
As a Managing General Agency with access to multiple “A”-rated or better carriers, SterlingRisk delivers flexible, affordable malpractice coverage tailored to the exposures of counselors, therapists, and other allied health professionals. Whether your client is a solo practitioner or part of a group practice, this program offers scalable solutions to fit their needs.
Ideal Accounts and Appetite
This program is ideal for licensed professionals and organizations in the behavioral health field, including:
- Substance abuse counselors
- Mental health therapists
- Clinical social workers
- Psychologists
- Marriage and family therapists
- Group counseling practices
You might have a client who runs a small outpatient addiction treatment center or a licensed counselor providing telehealth services. These types of risks are typically a strong fit for the program.
Coverage Highlights and Advantages
Key features of the program include:
- Comprehensive professional liability (malpractice) coverage
- Broad carrier access with four top-rated markets
- Coverage options for individuals, groups, and facilities
- Support for both face-to-face and telehealth services
- Competitive pricing and flexible underwriting
SterlingRisk’s deep industry knowledge helps streamline submissions and improve the likelihood of placement for hard-to-insure behavioral health risks.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the type of practitioner or facility, risk profile, and coverage limits. SterlingRisk works closely with agents to evaluate each submission on its merits and match it with the most appropriate carrier and terms available.
Territories and Availability
The program is available in most states, including all 50 states and Washington, DC. Coverage is written on an admitted basis in many jurisdictions, depending on the specific carrier and risk.
Why Work With SterlingRisk Programs
SterlingRisk Programs is a trusted resource for agents and brokers looking to place behavioral health and addiction treatment business. With decades of experience, access to top-tier carriers, and a dedicated team focused on allied health risks, SterlingRisk makes it easier to find tailored coverage solutions for your clients. From initial submission through policy issuance, their team delivers service and expertise that help you win and retain accounts in this specialized niche.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Solo practitioners, group practices, and outpatient treatment facilities in the mental health and addiction counseling fields are the best fit.
Is this program available in all states?
Yes, the program is available nationwide, including all 50 states and Washington, DC.
Are telehealth services covered under this program?
Yes, the program offers coverage options that support both in-person and telehealth counseling services.
What is the minimum premium for this program?
Minimum premiums vary based on risk factors such as profession, coverage limits, and location. Contact SterlingRisk for a quote.
Which carriers are used in this program?
The program is written through four leading professional liability carriers, all rated “A” or higher.
Need help placing an account? Connect with a market specialist.