Liability Insurance

Liability Insurance IconACA’s partners help today’s counselors prepare for the unexpected. Rest assured, as an ACA member you can get the most comprehensive coverage possible.



Healthcare Providers Service Organization (HPSO)

HPSO offers ACA members a suite of insurance products designed to protect employed ACA professionals, independent private practitioners, and solo or group counseling practice owners.

ACA-Endorsed Counselors Professional Liability Program

ACA partnered with HPSO in 2003 to provide comprehensive, affordable malpractice insurance coverage to its members.

  • Individual ACA professionals with a premium of $100 or more are eligible for a 10% ACA membership discount*
  • Individually insured professionals may be eligible for an additional 10% risk management discount
  • New graduates are eligible for 60% off their first year of coverage, 40% the second year of practice, and 20% the third year**
  • Student ACA members enrolled in a master’s level counseling program receive their professional liability insurance coverage compliments of ACA
  • Part-time insureds, retirees, and those on a leave of absence or sabbatical receive a 50% discount

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Professional Liability

Industry Leading Counselor Risk Education

HPSO is committed to providing counselors with risk education tools designed to lower their risk of a lawsuit or licensing board complaint while improving client outcomes.  Explore HPSO’s legal case studies, webinars, articles, Counselor Liability Claim Report, and more!

Providing professional liability to 3 out of 4 professional ACA members │ 800.982.9491

Professional Liability rates may vary by state.

*Private practice owners and individuals who own their own practice do not qualify for the ACA membership discount or risk management discount.

**Must apply within 12 months of graduation to receive 3-year New Graduate Discount. Discount does not apply to new or existing policyholders who have graduated over 12 months ago. Three-year discount does not apply in all states.





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