What is CPH insurance?
CPH & Associates (often searched as "CPH insurance" or "cphins") is a specialty professional liability provider focused on counselors, psychotherapists, and other health & wellness professionals. Its core product is an occurrence-form professional liability policy — CPH calls it "lifetime coverage" because any incident that happens while the policy is active stays covered, no matter when the claim is filed. That means you never need to buy tail coverage.
What does a CPH policy include?
For counselors and therapists, the base policy includes $35,000 state licensing board defense, unlimited defense attorney fees in lawsuit defense, telehealth coverage inside the professional liability limits, deposition expense ($10,000 per deposition), medical expense ($5,000 per person), and assault and first-aid coverage ($15,000 each). Sexual misconduct is covered as defense costs only. Optional add-ons include general liability at $1M per occurrence / $3M aggregate, business personal property ($15,000), additional insureds (landlords, employers, agencies), and cyber liability.
How much does CPH insurance cost?
CPH does not publish flat rate cards — your premium depends on your profession, state, and chosen limits, and the exact number comes from their online quote, which takes a few minutes and issues policy documents electronically once approved. For context, individual professional liability for counselors in this market typically runs in the low hundreds per year (see our counselor liability insurance and therapist liability insurance pages for current ranges).
Is CPH & Associates a good insurance company?
Points in its favor: the occurrence (lifetime) form is genuinely rare at this price tier, the carrier is rated A++ for financial strength by A.M. Best, and service questions go straight to a licensed agent — CPH explicitly promises no phone trees, plus two free hours of attorney helpline for policyholders. Trade-offs: sexual misconduct is defense-cost-only, and some coverages other carriers bundle are paid add-ons here. If you want to compare it against the other big names in this niche, see CPH vs HPSO and CPH vs Berxi.