Your association policy is excellent, and it is not what the district is asking you for.
Insurance for speech-language pathologists — the individual policy that is usually right, the entity gap that appears when you incorporate, and the abuse and molestation limit that school district contracts require before you can bill them.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What speech therapist insurance actually covers.
The individual policy, kept where it fits
An SLP in someone else's clinic, with no entity and no district contract, is well served by an individual professional liability policy from an association program, usually for a few hundred dollars. When that is the right answer we say so and leave it alone.
Without it — Moving a true solo onto a business policy buys coverage for an entity that does not exist.
The district contract
Santa Ana Unified names speech, language and vision therapists explicitly among the independent consultants required to carry sexual misconduct and molestation cover. California districts increasingly ask $3,000,000 per occurrence and $6,000,000 aggregate — Azusa Unified and Lawndale Elementary both do for work with children. Elsewhere $1M/$2M and $2M/$4M are the common asks. Read the aggregate as well as the per-occurrence number: it is the one that fails first. An individual professional liability policy does not carry that limit, and on a CPH entity policy abuse and molestation stops at $1,000,000 per occurrence and $1,000,000 aggregate — already short of a $1M/$2M ask, and nowhere near $3M/$6M.
Without it — The IEP contract does not start. This is the most common reason an SLP in private practice calls a broker.
Teletherapy and multi-state work
Remote delivery across state lines raises licensure and jurisdiction questions that a policy written for one state may not follow. Where you are licensed, where the child sits, and where your entity is formed can be three different answers.
Without it — A claim in a state the policy never contemplated, defended under the wrong law.
What clients with speech therapist insurance ask us.
I have CPH. Do I already have abuse and molestation coverage?
Check before buying anything, and check the aggregate. On the individual CPH form, sexual misconduct is defense costs only — a district asking for a $1,000,000 liability limit is asking for indemnity, which is a different thing. On a CPH entity policy the coverage exists and caps at $1,000,000 per occurrence and $1,000,000 aggregate. Either way, a requirement of $1M/$2M is already beyond it and $3M/$6M is not close. Send us your declarations page and the district's requirement and we will tell you plainly whether what you hold satisfies it.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.