CPH & Associates
Occurrence (lifetime) coverage specialist for mental-health and niche health professions
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| Item | CPH & Associates |
|---|---|
| Coverage limits | Professional liability occurrence form; optional GL $1M / $3M aggregate |
| Policy form | occurrence |
| License defense | ✓ |
| Tail coverage | — |
| Rating | 4.3 |
| Best for | counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage |
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CPH & Associates
Pros
- Occurrence (lifetime) form — coverage for incidents during the policy period never expires
- State Licensing Board Defense $35,000 and unlimited defense attorney fees in lawsuit defense
- A++ rated carrier (A.M. Best); talk to a licensed agent directly, no phone trees
Cons
- Sexual misconduct is defense-cost coverage only
- Higher limits and some coverages are optional add-ons
Last reviewed: 2026-07-07