CPH & Associates vs Proliability (Mercer)
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| Item | CPH & Associates | Proliability (Mercer) |
|---|---|---|
| Coverage limits | Professional liability occurrence form; optional GL $1M / $3M aggregate | Up to $1M / $3M aggregate |
| Policy form | occurrence | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | — | — |
| Rating | 4.3 | 4.4 |
| Best for | counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage | nurses and allied-health professionals who want occurrence coverage with no tail |
| Get Quote | Get Quote |
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
Proliability (Mercer)
Pros
- Occurrence-based coverage through Liberty Insurance Underwriters — no tail coverage needed
- Licensing board reimbursement up to $25,000 per incident / $100,000 per policy period
- HIPAA coverage up to $50,000; the only AANP-sponsored NP plan since 2008
Cons
- Standard limits cap at $1M / $3M (lower aggregate than HPSO/CM&F)
- Online self-service flow feels dated
Last reviewed: 2026-07-07