American Mental Health Counselors Association
The only organization working exclusively for the mental health counseling profession

Student Liability Insurance


Program FAQs

1. Why am I getting professional liability insurance through my AMHCA membership?
AMHCA has made this coverage available through CPH and Associates as a means of increasing the value of student membership.
2. How do I know I am covered?
Join AMHCA as a student member and select "Yes" next to "Students only: begin/renew liability coverage now" on the membership application. You will receive your proof of insurance from CPH and Associate via e-mail in 7 to 10 business days. Go to membership application 
: Be sure to select "Yes" next to "Students only: begin/renew liability coverage now" when you renew your membership.
3. When am I covered?
Coverage is available to AMHCA student members solely while performing counseling services related to their Master’s degree or Doctoral degree curriculum. Coverage terminates when the student graduates from the program, or their AMHCA membership is terminated. The AMHCA membership expiration date is the policy expiration date. To continue coverage, it is vital that you renew your AMHCA membership and indicate that you wish to renew your coverage before your expiration date.
4. What coverage does the policy provide? What activities does it cover?
The AMHCA student policy is designed to provide registered AMHCA students with professional liability protection while performing therapeutic services (e.g. practicum) related to their counseling curriculum. This policy will pay for defense against covered claims and provide professional liability limits up to $1,000,000 per claim, and a $3,000,000 annual aggregate.
5. Who is covered?
AMHCA student members are eligible for coverage when they are enrolled and engaged in Master’s degree, or Doctoral degree counseling at a post secondary institution. Coverage is available to AMHCA student members solely while performing therapy or counseling services related to such a curriculum.
6. Who is not covered?
Licensed Mental Health Counselors, or other licensed professionals, are not eligible for coverage under this policy. Neither are those who are Post Masters or Post Doctoral working under supervision towards a license. If proof of coverage has been received by an ineligible AMHCA student member in error, there is no coverage afforded to that member under this policy. AMHCA recommends contacting CPH and Associates for professional liability insurance at
7. What is professional liability insurance?
Professional liability insurance covers the insured for amounts up to the limits of liability that insureds become legally obligated to pay as a result of a claim for negligent acts, errors or omissions arising out of a covered incident.
8. Who do I call in case of a claim?
In the event of a situation that could lead to a claim or suit, please contact CPH and Associations at 800-875-1911.
9. What happens after I graduate?
Coverage under the AMHCA Student policy terminates on the date you graduated from a masters or doctoral program. CPH and Associates offers Post-masters and Post-doctoral coverage at a discounted rate. Visit to upgrade your policy, or call 800-875-1911.
10. If I saw a client during practicum or internship and they file a lawsuit after I graduate, am I covered?
The AMHCA student policy is written on an occurrence form. An occurrence policy provides lifetime coverage for the policy period. Therefore if a claim or suit is alleged for dates of treatment arising during the policy, the insured is covered up to the limits of liability regardless of when the claim is reported.