If you work in the health insurance industry, may be in a hospital or clinic, then consider it very necessary to obtain Mental Health Professional Liability Insurance. This is because there are many people who may be dissatisfied with the quality of your work (even if there is nothing wrong at all) and so may decide to take you to court.
Since the health field is really vast, being specific about the coverage you want is important. For example, if you are psychologist, you will need a different insurance from that available to a dentist. After all, the two professions perform different functions and the level of risks are not exactly the same.
Even if the establishment where you work guarantees a kind of mental health professional liability insurance for you, it is still advisable to get a private insurer who will be fully dedicated to your service and protection. Besides, any insurance provided by the company you are working for will be first dedicated towards the company’s benefits before yours.
Another reason why you may have to obtain the mental health professional liability insurance is that your state may require it as part of the basic recommendations for you to practice. If the state you work makes it compulsory to have liability insurance, then you must be sure to obtain the minimum requirements stipulated by the state.
As one who is enrolled in an enviable field, a mental health professional liability insurance will help you retain your good name in case any slander or unjust accusation comes up at any time. A health professional liability will be cheaper for you are not providing the same needs to an employer.