Just like any medical practice, even mental health professional have malpractice insurance. This insurance protects the professional from lawsuits because no matter how well they perform their duties, there is always a chance of getting sued.
It does not mean that all lawsuits brought against mental health professionals are legitimate. Even if the lawsuit has no grounds, it still requires time and money which a professional cannot afford. Malpractice insurance for mental health is a way of protecting the doctor as well as the patient.
It is not mandatory for a mental health professional to have malpractice insurance, but having one definitely helps. It can save a mental health professional a lot of money, time and stress, especially if the lawsuit is baseless and frivolous.
In the last few years, the trend to suit mental health professionals has increased. More and more people are looking to sue over imagine or real problems. If a mental health professional is negligent or fails to provide adequate mental health services, it is quite possible for the court to award damages to the plaintiff. These damages can be quite a lump sum and most professionals cannot afford to spare the sum. Malpractice insurance for mental health will cover the damages as well as legal fees.If you are a mental health professional, make sure that you first study the type of insurance the insurance company is offering you. There are different types of insurance available at different rates and you should get one that best suits your practice and offers a good rate. For this, you may have to shop around and make comparison before settling for the policy. You can get discounted policies from professional organizations like American Psychological Association, so do not forget to check those too.
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