Overview
STATPro offers rapid underwriting in the United States for Miscellaneous Professional Liability placed on Lloyd’s of London paper. The facility is placed by CGSC Group’s Lloyd’s brokering operation, CGNMB LLP. STATPro underwriters are empowered to make binding decisions, making this program a practical market for placing Mental Health Consultants Professional Liability Insurance for individual clinicians and small practices.
Target classes
- Clinical Psychologist
- School Psychologist
- Clinical Social Worker
- Licensed Professional Counselor
- Mental Health Counselor
- Certified Alcohol and Drug Abuse Counselor
- Nurse Psychotherapist
- Marital and Family Therapist
- Pastoral Counselor
- Peer Specialist
- Other Therapists – therapists with advanced degrees trained in specialized therapies (e.g., art therapist, music therapist)
- Psychiatrist
- Child/Adolescent Psychiatrist
- Psychiatric or Mental Health Nurse Practitioner
Coverage highlights and advantages
- Pre-judgement and post-judgement interest included
- Punitive damages coverage where insurable by law
- Severability and final adjudication wording to limit fraud/crime/personal profit exclusions
- Contractual liability expansion available
- Aggregate deductible options
- Worldwide suits coverage
- Bi-lateral extended reporting period options
- Blanket waiver of subrogation
- No change-in-controls provision
- Non-employment practices discrimination coverage
Coverage overview
- Multiple limit and split-limit options
- $0 deductible available for select classes
- Minimum premiums can be as low as $1,000 for eligible classes; final minimums vary by class and state
Ideal accounts and appetite
This program is designed for individual mental health practitioners and small group outpatient practices that need professional liability coverage with flexible limits and Lloyd’s-backed wording. It is a strong fit when your clients:
- Provide outpatient therapy, evaluations, or counseling
- Work with children, adolescents, families, or specialized populations (for example, substance use counselors or art/music therapists)
- Require worldwide suits coverage or expanded contractual protection
- Need policy wording that addresses punitive damages and severability concerns
Typical fits: solo clinicians or small-group practices with limited or no significant malpractice history, licensed clinicians (psychologists, social workers, LPCs), and outpatient prescribers such as psychiatrists or psychiatric nurse practitioners.
Underwriting notes and submission requirements
- Provide a complete submission to get the best terms: application, résumé/CV for clinicians or owners, current loss runs/claims history, and any relevant contracts or supervision agreements.
- Underwriters are empowered to make quick decisions—concise, well-documented submissions increase the chance of a fast quote.
- Some classes may qualify for $0 deductible options or lower minimum premiums; eligibility is determined case-by-case.
- Program generally excludes high-frequency claim exposures, facilities-based inpatient care with high-loss potential, or accounts with unresolved significant malpractice history. Submit borderline or complex accounts for review.
Territories and regulatory position
Admitted status: Most Available States. The program is available in the following jurisdictions:
AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC.
Carriers: Lloyd’s of London paper. Program administered through STATPro as the managing general agency.
Why place this business with STATPro
- Direct access to Lloyd’s paper through an experienced MGA placement.
- Empowered underwriters who can provide timely decisions—useful for urgent renewals or new-business submissions.
- Policy wordings that address common mental-health practice exposures, including punitive damages, worldwide suits, contractual needs, and severability.
- Flexible deductible, limit, and extended reporting period options for qualifying accounts.
Example account scenarios
- You have a solo licensed professional counselor who provides telehealth nationwide and needs worldwide suits coverage plus a contractual liability extension—this program can provide tailored wording with a competitive minimum premium.
- You represent a small outpatient group of therapists (including art and music therapists) seeking professional liability with aggressive severability language and the option for a $0 deductible for certain practitioners.
A complete submission is requested to assure the best terms and pricing are offered.
Frequently Asked Questions
What types of mental health professionals qualify for this program?
This program targets clinicians such as psychologists, school psychologists, clinical social workers, licensed professional counselors, marital and family therapists, substance abuse counselors, psychiatrists, psychiatric nurse practitioners, and therapists with advanced specialty training (for example, art or music therapists).
Which states is this coverage available in?
The program is available in most U.S. states and the District of Columbia (see the program storefront for the full state list). Availability may vary by class and by state filing requirements.
What submission materials does STATPro require?
A complete submission typically includes a completed application, résumé/CV for owners or clinicians, current loss runs/claims history, and any contracts or supervision arrangements that affect exposure. Providing these up front speeds the underwriting decision.
Are extended reporting period (tail) options available?
Yes. The program offers bi-lateral extended reporting period options. Terms and pricing depend on the insured’s class, claims history, and chosen limits.
Can this program handle requests for $0 deductible or low minimum premium?
For certain qualifying classes and accounts, $0 deductible options and minimum premiums as low as $1,000 may be available. Eligibility is determined by underwriting review of the complete submission.
Need help placing an account? Connect with a market specialist.