Student Liability Insurance

Graduate Student Liability Insurance

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. Download our Roadmap to Coverage for more information.

Who is CPH & Associates?

CPH & Associates is an industry-leading provider of Professional Liability Insurance for allied health and mental health professionals nationwide. With coverage options for students, provisionally licensed counselors, fully licensed professionals, and business entities, CPH is proud to be the exclusively endorsed Professional Liability Insurance partner for the AMHCA. As a benefit of membership with AMHCA, student members receive free Professional Liability Insurance through CPH. Learn more about our insurance coverage highlights and program benefits at

How do I know I'm covered?
You will now self-enroll through the CPH & Associates AMHCA Student Portal, to receive your proof of coverage (certificate of insurance) immediately. Please contact CPH & Associates directly to confirm at 312-987-9823.

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.

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.

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.

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

Who do I call in case of claim?
In the event of a situation that could lead to a claim or suit, please contact CPH and Associations at 800-875-1911.

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.

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.

Roadmap to Coverage


Member Sign-In

Free liability insurance is available to AMHCA members only. If you are a member, click here to sign in and come back to this page to see the steps for how to obtain your free liability insurance. If you are not a member, gain access to these and other great benefits by becoming a member today! Join