This policy provides coverage to individual students in the Mental Health field who are working towards a degree and require insurance for duties performed as part of their school curriculum including field placement. There is no association membership dues required for most students.
For a quote and other inquiries, please call
800-421-6694 Ext.2209 or 631-691-6400 Ext.2209.
Students in the Allied Health Field (physical therapists, athletic trainers, fitness instructors, massage therapists and other related professions) please click here.
If you are interested in receiving information concerning our blanket school policy which covers all faculty and students, please click here or contact the American Professional Agency, Inc. at (800) 421-6694 Ext. 2265 or (631) 691-6400 Ext. 2265.
|Limits of Liability||Annual Premium|
For additional Rate/Surcharge information, click here.
To be eligible for individual coverage, a student must be working toward practicum hours for an accredited degree program or a program approved for candidacy.
Unfortunately, malpractice risk starts while you are in school. Even as a student, you can be sued for malpractice while performing your duties in field placement as part of your school curriculum. Whether the charges are justified or not, you will have to defend yourself. At the start of your career this is not a risk you should be willing to take.
With individual student coverage, you can protect your future career and personally protect yourself and possibly your family against costly legal fees and malpractice damages. Select the limit of liability that’s right for you. Your liability limit per claim can range from $1 million to $2 million for all damages arising from each claim of wrong doing or omission. The annual aggregate(maximum) limits range from $1 million to $4 million.
In addition to the liability limits you select, you receive other important benefits with your coverage.
- Designated legal counsel and payment of related defense cost are provided.
- No deductible insurance against claims from your professional training.
- Guidance and free risk management consultations
- Occurrence Form policy – Protection against acts occurring during the policy period even though the claim is submitted after the policy expires.
Protection against acts occurring during the policy period even though the claim is submitted after the policy expires.
American Professional Agency, Inc. is the program administrator of the student professional liability insurance program and the program is underwritten by the Allied World Specialty Insurance Company.
Depending on the limits you select:
- $1,000,000 / $1,000,000 = $23
- $1,000,000 / $3,000,000 = $35
- $2,000,000 / $4,000,000 = $41
Yes. If your college or university has professional liability insurance blanket coverage for your school, you are covered under that policy for your practicum work. Many students also carry their own malpractice insurance coverage because blanket coverage is shared, often by many. Also, it is important to know that once you enter the workforce as a professional, there could be gaps in coverage offered by your employer. Maintaining your own individual professional liability policy as a professional will ensure that you are completely covered.
No, the student liability program is designed to cover the risk associated with field study placement only and does not cover employment related activities. If you get a job that is not part of your school sponsored curriculum, you will need additional coverage for those activities. You may apply for an individual professional policy or you may be able to obtain coverage through your employer.
The quickest way to obtain coverage is applying online, however, the name on your credit card MUST match the name on your policy (for identity verification purposes). (click here to apply online and pay by credit card.) OR (click here to download a paper application), You may fax your application to 1-631-691-2497, and pay for your coverage by credit card online. If you have questions please call (800) 421-6694 Ext.2265 or (631) 691-6400 Ext.2265.
If you prefer to mail a paper application and check payable to the American Professional Agency, Inc., please send your application, check and correspondence by mail to:
Amityville, NY 11701
If you apply online, coverage can begin at the time the online application is submitted or within 90 days of your submission. A Certificate of Insurance confirming coverage will be emailed the following business day. When mailing your application, insurance coverage begins the first day of the month following acceptance of the application and payment, unless another date is requested. If coverage is needed immediately, you may request a different date, however all applications must be signed within 30 days from the date of receipt and coverage will not be backdated.
If you have questions, please call the Student department at (800) 421-6694 Ext. 2265 and we will be happy to answer your questions.
The customer service representative took the time to fully engage with this client. She was attentive to my needs. She demonstrated active listening skills, empathetic listening skills, as well as consistently seeking adequate clarification skills. In doing so, she provided this veteran with excellent customer service.
– Brittany England
I have been a customer of Allied for many years and have consistently experienced some of the best customer service I have encountered. All my requests or questions, whether on the phone or in writing, are dealt with promptly, politely and professionally. Even better everyone I talk to on the phone is kind, friendly and helpful. It is a pleasure dealing with a company – I am consistently impressed with your service. Thank you.
– Catherine Christo
Thanks! Just a quick note to let you know I notice and appreciate your assistance and responsiveness! A very pleasant experience in this day and age of cookie-cutter customer service.
– Steven I. Altchuler
Credit Card Payments are accepted on-line only, we do not accept credit card payments over the phone. The name on your credit card MUST match the name on your policy (for identity verification purposes).
Please call our office at (800) 421-6694 for information on how to easily pay by Credit Card.
We accept the following:
Now accepting checks online!
Contact us for more information.
American Professional Agency is committed to providing you with current and competitive policies, prices and professional liability news. Feel free to contact us regarding any concerns or needs that you may have with your existing policy or the purchase of a new policy.
Hours of Operation
Monday through Friday, 9:00 am – 5:00 pm Eastern Time
Summer Hours: 8:30 am – 4:30 pm Eastern Time
(Memorial day through Labor Day)
American Professional Agency, Inc.
Amityville, NY 11701
To speak with one of our knowledgeable customer service representatives, please call (800) 421-6694 or (631) 691-6400. Having your account number or policy number available will expedite the process.