Why speech therapists need liability insurance
Coverage offered through your employer may leave gaps — HPSO's position is that it puts your needs first, helping protect your license, assets, and financial future. Speech-language and hearing professionals can face claims tied to clinical judgment, documentation, or scope-of-practice questions.
- HPSO coverage is portable (a second job, a job change, or a move — it stays with you) and includes telehealth.
- CM&F offers comprehensive, portable coverage tailored to speech therapists, with individual and group options.
- An individual policy protects you when an employer's does not.
About policy form
Both HPSO and CM&F emphasize portable, occurrence-style coverage that follows you between roles, so incidents during the policy period stay covered without a separate tail. Confirm tail terms if you rely on a claims-made employer policy.