Does my policy cover me for teletherapy/telehealth?

There is no specific exclusion in your professional liability insurance policy that applies to psychological professional services provided via telehealth. However, please note that your policy does have an exclusion for bodily injury or property damage arising out of the practice of your professional occupation unless you are properly licensed, exempted or certified by the laws of the state in which you practice. Further, not all states allow the provision of psychological or other associated professional services via telehealth or telemedicine.

Please keep in mind that whether or not a particular claim is covered can only be determined at the time of loss by applying all of the policy provisions to the facts and circumstances of the claim. Kindly remember that this letter does not modify any policy issued by ACE American Insurance Company or its U.D. based Chubb underwriting company affiliates.