In today's litigious environment, psychologists need tailored professional liability protection. Colonial General Insurance Agency, Inc. offers a Psychologist Professional Liability Insurance program with broad coverage options for licensed psychologists—whether they are self-employed, part of a group practice, or employed by an organization. We work with multiple carriers to deliver competitive rates and several premium discount opportunities. Coverages and premiums will vary based on the carrier selected for each risk.
Overview of the Program From Colonial General Insurance Agency, Inc.
Colonial General provides a specialized market for agents placing psychologist professional liability. As a managing general agency and excess & surplus lines broker, Colonial General has access to a range of admitted and non-admitted carriers (availability by state). Agents can submit a variety of psychologist accounts and rely on tailored underwriting to find an appropriate carrier fit.
Ideal Accounts and Appetite
This program is designed for licensed psychologists who provide therapeutic, diagnostic, assessment, or consultative services. Typical fits include:
- Solo practitioners and partners in small group practices
- Clinical psychologists in outpatient or community mental health settings
- Consulting psychologists serving schools, corporations, or legal clients
- Providers offering telehealth services (subject to underwriting and state rules)
Accounts that generally fall outside appetite include practices with unlicensed providers, facilities with high-risk inpatient or forensic services, or exposures that exceed the available market capabilities.
Coverage Highlights and Advantages
The program provides professional liability coverage tailored to the exposures common to psychologists. Key features often available through participating carriers include:
- Claims-made or occurrence policy forms
- Defense costs included within or outside the limits, depending on the carrier
- Options for employed and self-employed professionals
- Multiple premium discounts based on risk controls and loss history
Policy terms, limits, and endorsements vary by carrier and by the specifics of each practice. Colonial General works with agents to match each submission to the most suitable market.
Underwriting Notes and Minimum Premiums
All submissions are subject to underwriting review. Agents should include full application details: licensing information, a clear description of services, telehealth usage (if any), and complete claims history. Minimum premiums and specific underwriting requirements vary by carrier and state—Colonial General will advise on minimums and market availability during placement.
Territories and Availability
This Psychologist Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Carrier availability (admitted vs. non-admitted) differs by state and risk; Colonial General can confirm admitted options where available.
Why Work With Colonial General Insurance Agency, Inc.?
Colonial General combines dedicated underwriting expertise for mental health professions with broad market access. As an MGA and E&S broker, Colonial General offers:
- Responsive market placement and multi-carrier submissions
- Specialized underwriting for psychologist exposures
- Guidance on admitted vs. non-admitted options by state
- Support placing both straightforward and more complex consulting or telehealth practices
Example accounts you might place: a solo licensed psychologist providing outpatient therapy and telehealth services seeking a tailored claims-made policy; or a consulting psychologist contracted with schools who needs coverage that includes assessment and evaluation work.
Frequently Asked Questions
What types of accounts are a good fit for this psychologist insurance program?
Licensed psychologists in solo or small group practices, clinicians working in outpatient settings, and consultants or telehealth providers in the eligible states are generally a good fit.
Is this coverage available on an admitted basis?
Some admitted markets are available depending on the state and the specific risk. Colonial General will help determine the best admitted or non-admitted option for each submission.
What states is this program available in?
This program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Carrier availability varies by state.
What information is needed to get a quote?
Provide a completed application, licensing details, a description of services (including telehealth), and the applicant’s claims history. Colonial General will advise if additional documentation is required.
Can this program accommodate psychologists who provide telehealth services?
Yes. Telehealth is eligible, subject to underwriting review and compliance with state licensing regulations and carrier guidelines.
Need help placing an account? Connect with a market specialist.