Professional liability insurance is more than a policy – it’s an
investment in yourself and your future. That’s why choosing a professional liability insurance provider that meets your needs is such an important decision. When shopping around, it is key to dig deeper to understand what each coverage option can offer you. After all, not all malpractice insurance policies are the same.
HPSO at a Glance:
- 40+ years of experience insuring counselors, endorsed by the American Counseling Association (ACA) for 20+ years
- The underwriting company, CNA, is rated A (Excellent) by A.M. Best
- Free HPSO Risk Advisor Helpline, a risk management resource for counseling insureds
- A range of counselor-focused risk management resources, including claim reports, case studies, risk control spotlights, continuing education (CE), webinars, and more
- Special savings and flexible payment options available
- 120,000+ counselors and counseling practices insured
Discover the HPSO Difference: A 360 Approach to Managing Your Risk
At HPSO, we’re more than just a professional liability insurance provider. Just like ACA, we consider ourselves steadfast advocates of the counseling profession and community. We take a well-rounded approach to not only safeguard your livelihood, but also help mitigate your overall risk profile to enhance your practice. We place a strong emphasis on
risk education,
reliable partnerships, and
24/7 coverage that stays with you as your career evolves.
How Does HPSO Compare to Other Providers?
Let’s take a closer look at our coverage in comparison to other counseling liability insurance providers:
| Coverage Feature |
HPSO |
Other Insurance Providers |
| Policy Form |
Occurrence |
 |
| Licensure Defense Expenses |
|
 |
| Subpoena Assistance Costs |
|
|
| Proceeding Expense Reimbursement |
|
|
| Assault Coverage |
|
|
| Media Event Expenses Supplementary Benefits Endorsement |
|
|
| Non-Patient Medical Expenses |
|
|
| Patient First Aid Medical Expenses |
|
|
| Services to Animals Property Damage |
|
|
| Workplace Violence Counseling |
|
 |
| Workplace Liability Coverage Part |
|
|
| HIPAA Proceedings Supplementary Benefits Endorsement |
|
|
| Abuse and Molestation |
|
|
Source: Company Websites, August 2025. Specific offerings and limits may vary by state.
The Value of Quality, Cost-Effective Coverage
When researching providers, assessing the
quality of coverage is a key factor, in addition to price. While cost is an important consideration, it’s also crucial to make sure the policy provides adequate protection for your role. Otherwise, you may face gaps in coverage if basing your decision solely on price.
Ask yourself, does the policy offer coverage to address common risks you face in your job? For example, if you are a remotely based counselor, does it cover telehealth services? Or perhaps you work part-time, but the insurance company only offers full-time rates. Maybe the professional liability limits of the policy are substantially lower than the industry standard.
HPSO offers $1 million per claim / $3 million annual aggregate liability limits while other insurance companies may offer lower limits of $250,000 per claim / $500,000 annual aggregate, which may prove insufficient for lawsuit verdicts.
HPSO is dedicated to making liability insurance accessible to counselors at all phases of their careers, even those first starting out. We offer savings opportunities and payment options to help you secure coverage quickly and conveniently.
HPSO offers exclusive savings opportunities* to take advantage of:
- ACA Members: 10% off your professional liability insurance premium
- New graduate 3-year discount: 60% off your first year of coverage; 40% off your second year of coverage; 20% off your third year of coverage
- CE Credit: 10% off your professional liability insurance premium when you complete our online CE program
- Flexible installment plans available
Risk Management Focused on Counselors
Just like ACA, HPSO has a deep understanding of the counseling profession and its distinct risks. Healthcare-focused malpractice insurance is all we do. Beyond offering coverage, we are committed to helping increase your risk education and helping decrease your risk exposures.
Together with our underwriter, CNA, we routinely publish updated risk management resources spotlighting prevalent malpractice trends and insights specific to counselors – helping you stay aware of emerging liability risks.
Did you know?
- The average total incurred for counseling professional liability claims is $157,492
- The average counseling license protection matter cost is $5,524
- The most common license protection allegations against counselors include sexual misconduct, failure to maintain professional standards, and breach of confidentiality
Source: Counselor Professional Liability Exposure Claim Report: 3rd Edition, Published 2024
For more top insights and risk control strategies, take a moment to review these resources:
Browse our
risk management library for more counseling case studies, articles, risk control spotlights, and other resources you won’t want to miss!
Conclusion
Although you may never expect to be sued for malpractice, the risk is always there. If that day ever arrives, you want professional liability insurance that you can count on.
At HPSO, we know counseling risks because we specialize in healthcare. From the moment you become involved in a claim, we’ll be by your side with tailormade coverage, industry experience, and unwavering support, so you don’t have to navigate a stressful experience alone.
Discover why ACA is proud to endorse HPSO since 2003, why more than
120,000 counseling professionals trust HPSO for their liability coverage – and why we might be a good fit for you.
So, ready to take the next step with HPSO?
Get a quote in less than 5 minutes.
*Available discounts may vary by state.
Rates, limits and coverage may vary based on state, profession, and employment status. Coverage is contingent upon approval of an application.