Does the platform cover your malpractice insurance?
Which online therapy platforms provide malpractice (professional liability) coverage for the clinicians who work with them, which require you to carry your own and at what limits, each from the platform's own pages for clinicians.
11 of 26 platforms say they provide malpractice coverage, mostly the ones that employ clinicians or contract them into their own group: SonderMind, Amwell, Cerebral, Charlie Health, Headspace Care, Lyra Health, Spring Health, LifeStance Health, Talkiatry, Thriveworks and Two Chairs. 8 require your own policy, usually at least $1 million per claim and $3 million aggregate: Alma, Grow Therapy, Headway, Rula, BetterHelp, Online-Therapy.com, Talkspace and Open Path Psychotherapy Collective. The other 7 do not say on the pages we read.
8 platforms that require your own policy
You buy the policy and keep it current; several name the limits they require and ask for a certificate of insurance.
11 platforms that provide coverage
Most are employers or group practices that cover their own clinicians; check what the coverage includes and whether it continues after you leave (tail coverage).
Not stated on the pages we read: Brightside Health, MDLIVE, Modern Health, Octave, Teladoc Health (Mental Health), NOCD and Zencare. Ask before you sign.
What an individual policy costs, where insurers publish it
Insurers that sell professional liability policies to mental health clinicians and print a price on their own pages, read Oct 30, 2026. Your premium depends on your license, state and limits; get a quote before you rely on a figure.
CPH Insurance
- Its page for Colorado registered psychotherapists says a Counselor policy costs between $124 and $324 a year, depending on employment type (W-2 or 1099) and weekly hours; other states and licenses are priced in its online quote.
- Coverage includes telehealth and follows you wherever you can legally practice under state licensing law.
- Occurrence form: a claim is covered for life as long as the policy was in force when the services were given.
Malpractice insurance on therapy platforms, answered
- Do online therapy platforms provide malpractice insurance?
- Some do. Of 26 platforms whose pages for clinicians we read, 11 say they provide malpractice coverage (SonderMind, Amwell, Cerebral, Charlie Health, Headspace Care, Lyra Health, Spring Health, LifeStance Health, Talkiatry, Thriveworks and Two Chairs), mostly the ones that employ clinicians or contract them into their own practice. 8 require you to carry your own policy (Alma, Grow Therapy, Headway, Rula, BetterHelp, Online-Therapy.com, Talkspace and Open Path Psychotherapy Collective), usually at least $1 million per claim and $3 million aggregate. The other 7 do not say on the pages we read.
- Does BetterHelp provide malpractice insurance?
- No: you carry your own policy. The clinician must carry their own professional liability insurance, and the terms require certificates of insurance within three days of a demand.
- Does Headway provide malpractice insurance?
- No: you carry your own policy. Every provider must buy their own professional liability insurance; minimum limits vary by state and license type. Headway does not require being named an additional insured.
- Does Talkspace provide malpractice insurance?
- No: you carry your own policy. Therapists must carry their own individual malpractice insurance (the prescriber page asks PMHNPs for at least $1 million occurrence and $3 million aggregate).
- Does Alma provide malpractice insurance?
- No: you carry your own policy. Members must carry their own professional liability insurance, $1 million per claim and $3 million aggregate, covering the license they practice under.
- Does Grow Therapy provide malpractice insurance?
- No: you carry your own policy. You must carry individual professional liability insurance, generally at least $1 million per incident and $3 million aggregate (lower limits for NPs in CA and FL; $500k/$1.5M for NPs, MDs and DOs in IN and MDs and DOs in PA), with a certificate listing you as named insured. Grow recommends CPH Insurance.
- Does Rula provide malpractice insurance?
- No: you carry your own policy. Contractor therapists must carry their own professional liability insurance, a minimum of $1M per occurrence and $3M aggregate for non-prescribing therapists, renewed annually, as an individual policy.
Paid AI-training work for clinicians
AI companies hire licensed clinicians as remote contractors to write and grade mental-health material for their models: 8 roles open today, at $45 to $155 an hour as posted.
Building your own practice instead?
The Practice Academy, from Practice of the Practice, is a paid membership with courses, coaching and a community for therapists starting or growing a private practice. Referral link: OnlineTherapy.me earns a fee from Practice of the Practice if you join through it. It never changes what these pages report about any platform.
Spending evenings on notes?
Blueprint is AI software for therapists that drafts progress notes, treatment plans and client letters, and handles claims and eligibility; it runs alongside the EHR you already use or as its own all-in-one EHR. Referral link: OnlineTherapy.me earns a fee from Blueprint if you join through it. It never changes what these pages report about any platform.