Outpatient Mental Health Care

Tailored industry coverage

 

Why purchase tailored coverage?

Broad coverage tailored to meet the needs of outpatient mental and behavioral healthcare practices with our Hiscox PRO suite of products.

Appetite

Applies to all mental health professionals and classes of patients

  • outpatient mental healthcare
  • behavioral therapy
  • substance abuse counseling
  • medication management
  • Partial Hospitalization or Intensive Outpatient programs
  • remote therapy (teletherapy)
Capacity

$10 million per claim and aggregate limit available

Coverage & Benefits
  • Waiver of retention available for outpatient mental healthcare practices following exemplary risk management standards
  • Billing and regulatory errors sublimit
  • Sexual abuse and misconduct sublimit
  • HIPAA liability sublimit
  • Reported incident trigger of coverage
  • Affirmative coverage for remote therapy services
  • Duty to defend

Included as insureds

  • Medical directors
  • Non-physician employees, independent contractors, students, volunteers (including mid-level providers)
  • Employed or contracted physicians by endorsement, by request

Additional Coverage

  • Can also include General Liability, Technology E&O, Crime and Privacy with this class
Industry stats

Outpatient mental health clinics

Products and services segmentation (2015)

Total $17.2BN

  • 33.5% Substance abuse clinics (methadone)
  • 29.5% mental health clinics
  • 19.5% Mental health community centers
  • 17.5% Substance abuse clinics (drug-free)

Snapshot

  • Rev: 17.2bn
  • Annual growth 10-15: 3.4%
  • Annual growth 15-20: 2.4%
  • Businesses: 10,416

 

Mental health therapists

Snapshot

  • Rev: $15.4 bn
  • Annual growth 10-15: 4.6%
  • Annual growth 15-20: 3.7%
  • Businesses: 141,094

Products and services segmentation (2015)

  • 46.8% Child, family and school social workers
  • 27.4% Clinical psychology
  • 18.8% Mental health social work
  • 5% marriage and family therapy
  • 1.8% All other psychology
  • .2% industrial organizational psychology

 

Related products

Package Home Healthcare with the following products: General Liability, Cyber, Crime, and Technology.

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

Remote therapy

An adult patient requests remote therapy following her divorce, but after weeks of sessions she discontinues services. She feels that she has gotten bad advice which worsened her situation and sues the therapist for emotional distress.

Remote therapy

An adult patient requests remote therapy following her divorce, but after weeks of sessions she discontinues services. She feels that she has gotten bad advice which worsened her situation and sues the therapist for emotional distress.

Sexual misconduct

Behavioral therapy services are performed for a minor having difficulty in school. After one session, the young client tells their mom that they think something inappropriate happened while she was out of the room. The mother contacts the clinic and accuses the therapist of sexual misconduct and the clinic of negligence in screening this individual.

Sexual misconduct

Behavioral therapy services are performed for a minor having difficulty in school. After one session, the young client tells their mom that they think something inappropriate happened while she was out of the room. The mother contacts the clinic and accuses the therapist of sexual misconduct and the clinic of negligence in screening this individual.

Regulatory

An outpatient mental health clinic is accused of a billing violation which alleges they have billed a private insurance company for unnecessary sessions for a number of patients. They are able to claim costs associated with an investigation and appeal of this inquiry under our policy.

Regulatory

An outpatient mental health clinic is accused of a billing violation which alleges they have billed a private insurance company for unnecessary sessions for a number of patients. They are able to claim costs associated with an investigation and appeal of this inquiry under our policy.

Patient suicide

During intensive outpatient treatment a young adult patient commits suicide in his parent’s home. The family blames the therapist for failure to recognize the warning signs that their son was suicidal, and for failure to prevent his death, and brings a lawsuit.

Patient suicide

During intensive outpatient treatment a young adult patient commits suicide in his parent’s home. The family blames the therapist for failure to recognize the warning signs that their son was suicidal, and for failure to prevent his death, and brings a lawsuit.