What CPH & Associates does

CPH & Associates Insurance Agency, Inc. (dba CPH Insurance) is a specialty insurance agency founded in 2001 and headquartered in Chicago, Illinois, focused on professional liability (malpractice) coverage for mental health, allied health, healthcare, wellness, and fitness professionals. The agency distributes policies through an online self-service portal (insure-portal.com) that supports real-time application, instant approval in most cases, document delivery, claims reporting, and renewals, supplemented by phone, mail/fax, and a network of professional association endorsements including AAMFT, AMHCA, CAMFT, CSWA, IAMFC, APBA, ASFA, IFPA, NAFC, NFPT, W.I.T.S., AEA, and AAAI/ISMAA. Core products are occurrence-based malpractice policies for individuals and business entities, with add-on endorsements for cyber liability ($87-$196/year), CPH TOP commercial general liability and business personal property ($182 and $150/year), business income ($50/year), and supplemental liability up to $5M aggregate. Separate product lines cover special events and university student blanket programs.

Underwriting is conducted through partnerships with three carriers: Philadelphia Indemnity Insurance (A++ AM Best, A+ S&P, Tokio Marine Holdings) for mental and allied health and special events; MedPro Group (A++ AM Best, Berkshire Hathaway) for fitness professionals; and Coverys (A AM Best) for healthcare professionals. The agency is licensed as a property and casualty insurance agency in all 50 US states plus Washington D.C., and operates as a private, founder/owner-led entity with no disclosed parent company, subsidiary structure, or institutional investment. CPH characterizes its customer base as having reached more than 500,000 policyholders served cumulatively over the past decade, supported by a team with over 50 years of collective professional liability experience.

Revenue is generated through insurance commissions on annual premium-based subscription policies, paid once per policy year at issuance or renewal. Pricing is quote-based, varying by occupation type, employment category (W-2 vs 1099), coverage limits, and add-ons, with discounts for online applications (5%), CEU completion (10%), and newly licensed professionals (50% first renewal, 25% second). Additional revenue is generated per policy from multiple add-on endorsements. The technology platform is a web application with SSL encryption, no public API or SDK offerings, and no disclosed AI/ML capabilities.

Name

CPH & Associates

Legal name

CPH & Associates Insurance Agency, Inc.

Website

https://cphins.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

CPH Insurance is a Chicago-based specialty insurance agency providing professional liability (malpractice) coverage and ancillary products for mental health, allied health, healthcare, wellness, and fitness professionals across all 50 US states, distributed via an online portal and professional association endorsements.

Ownership category

akta.pro rank

Product category

Professional Liability Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Liability (Errors & Omissions) (FSAJADAB)

akta.pro secondary industries

Professional Liability (E&O) (FSAJAGAC), Medical Malpractice Liability (FSAJADAK)

Keywords

• Professional liability insurance
• Malpractice insurance
• Mental health insurance
• Fitness professional insurance
• Special event liability

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Professional Liability Insurance Premiums: CPH Insurance generates revenue through annual malpractice/professional liability insurance premiums charged to individuals and business entities. Policies are sold on a one-year term basis with a single annual payment required upon application. Premium rates vary based on occupation type, employment category (W-2 employed, 1099/independent contractor), coverage limits selected, and additional coverage add-ons.
2. Cyber Liability Coverage Add-on: Cyber liability coverage is offered as an add-on endorsement to existing malpractice policies. Two coverage levels are available: $87/year for $15,000 limits or $141/year for $25,000 limits (except in New York where $196/year provides $25,000 limits). This is a claims-made endorsement that must be added to an active professional liability policy.
3. CPH TOP (General Liability and Property Coverage): Optional commercial general liability and business personal property coverage add-on. General liability costs $182/year and includes bodily injury, property damage, host liquor liability, and $250,000 fire/water legal liability. Business personal property coverage is $150/year with $15,000 limit and includes identity theft, emergency real estate consulting, temporary meeting space, workplace violence counseling, and image restoration coverage. Additional locations can be insured for $60/year per location.
4. Business Income and Extra Expense Coverage: Optional coverage for loss of business income, payroll expenses, and temporary practice location, available to CPH TOP policyholders. Costs $50/year for a $250,000 limit. Not available in Florida.
5. Supplemental Liability Coverage: Additional liability coverage for bodily injury, property damage, and personal injury claims while rendering professional services. Available limits of $1,000,000 per occurrence/$3,000,000 aggregate or $1,000,000 per occurrence/$5,000,000 aggregate.
6. Special Event Liability Insurance: Short-term liability insurance for special events, purchased on a per-event basis through the online portal. Documents are provided immediately upon purchase.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

CPH & Associates sells occurrence-based professional liability (malpractice) insurance to individual practitioners and business entities in mental/behavioral health, allied health, healthcare, and fitness/wellness occupations, underwritten by A++ rated carriers. Its core policies cover claims arising from professional services, with optional add-on endorsements for cyber liability, commercial general liability, business personal property, supplemental liability, business income, and short-term special event coverage, sold primarily through an online application portal with professional association endorsement referrals.

Product overview

CPH Insurance is a specialized professional liability insurance provider offering a comprehensive portfolio of coverage options for mental health, allied health, healthcare, and wellness professionals. The core offering is Malpractice Insurance (Professional Liability), available as individual or business entity policies. The company provides supplementary coverage add-ons including Cyber Liability, CPH TOP (Commercial General Liability + Business Personal Property), Business Income and Extra Expense Coverage, and Supplemental Liability. A separate product line includes Special Event Insurance for venues and event organizers. Student Blanket Policies are offered for universities. All core policies are occurrence-based with portable coverage and include unlimited defense costs. The company operates primarily through an online customer portal for applications, renewals, claims reporting, and document retrieval, without a public API offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Malpractice Insurance (Professional Liability) Occurrence-based professional liability insurance for individual practitioners and business entities in mental and behavioral health, allied health, healthcare, fitness, and wellness occupations. Coverage is portable across US practice locations and across W-2 and 1099 work, includes unlimited defense costs not deducted from limits, and is available for individuals, groups, and student blanket programs.
• Cyber Liability Coverage Optional add-on endorsement to a CPH malpractice policy that covers security event costs, network security and privacy liability, customer notification expenses, and public relations expenses arising from data breaches of client information. Available in Standard ($87/year for $15,000 limits), Enhanced ($141/year for $25,000 limits), and New York ($196/year for $25,000 limits) tiers.
• CPH TOP (Commercial General Liability + Business Personal Property) Optional endorsement bundle adding location-based commercial general liability ($182/year, including bodily injury, property damage, host liquor liability, and $250,000 fire/water legal liability) and business personal property coverage ($150/year with $500 deductible, $15,000 base limit plus identity theft, emergency real estate consulting, temporary meeting space, workplace violence counseling, and image restoration sub-limits). Additional locations are $60/year each.
• Special Event Insurance Short-term general liability coverage purchased on a per-event basis through the online portal, covering co-promoters, venue/lessors, and sponsors as additional insureds. Documents are issued immediately upon purchase with automatic email delivery.
• Business Income and Extra Expense Coverage Optional add-on for CPH TOP policyholders covering loss of business income, payroll expenses, and temporary practice location costs ($50/year for $250,000 limit). Not available in Florida.
• Supplemental Liability Higher-limit liability endorsement for bodily injury, property damage, and personal injury claims arising while rendering professional services. Available in $1,000,000 per occurrence/$3,000,000 aggregate or $1,000,000 per occurrence/$5,000,000 aggregate limits.
• Student Blanket Policies Group professional liability policies for universities covering multiple students under one contract. Automatically extends to faculty members for claims arising from supervising and instructing students, with the school also covered when named in the same claim as students.

Quantifiable outcome

• Over 500,000 policyholders served over the last decade
• +3 more outcomes

Named customers7 records

Segments1 record

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

20 partnerships are on record, tiered core, major and minor.

• Philadelphia Indemnity Insurance CompanycoreOthersPhiladelphia Indemnity Insurance Company is the primary underwriter for all Allied Health and Mental Health policies and Special Event policies purchased through CPH Insurance. It is a publicly traded company rated A++ ('Superior') for financial strength by AM Best and A+ by Standard & Poor's. Part of Tokio Marine Holdings.
• MedPro GroupcoreOthersMedPro Group underwrites coverage for fitness professionals under the CPH program. As the nation's first provider of healthcare liability insurance (since 1899), MedPro has over $1 billion in annual premium and more than 200,000 clients. MedPro Group is a Berkshire Hathaway business with A++ AM Best rating. Includes Medical Protective, Princeton Insurance Company, PLICO, and MedPro RRG Risk Retention Group.
• CoveryscoreOthersCoverys provides coverage for healthcare professionals under the CPH program. A national leader in medical professional liability insurance for over 45 years, Coverys is rated A (Excellent) by AM Best. Coverage is underwritten by Preferred Professional Insurance Company.
• American Association for Marriage and Family Therapists (AAMFT)coreGTM or Marketing PartnerAAMFT is a major endorsement partner that recommends CPH Insurance to its membership of marriage and family therapists nationwide.
• American Mental Health Counselors Association (AMHCA)coreGTM or Marketing PartnerAMHCA endorses CPH Insurance coverage for its members who are mental health counselors.
• California Association of Marriage and Family Therapists (CAMFT)coreGTM or Marketing PartnerCAMFT recommends CPH Insurance to its California-based marriage and family therapist members.
• Clinical Social Work Association (CSWA)majorGTM or Marketing PartnerCSWA endorses CPH Insurance coverage options for clinical social workers.
• International Association of Marriage and Family Counselors (IAMFC)majorGTM or Marketing PartnerIAMFC recommends CPH Insurance to its international membership of marriage and family counselors.
• Association of Professional Behavior Analysts (APBA)majorGTM or Marketing PartnerAPBA endorses CPH Insurance coverage for behavior analysts.
• American Sports & Fitness Association (ASFA)coreGTM or Marketing PartnerASFA is a major endorsement partner providing online certification programs for fitness professionals. ASFA certifications are endorsed by CPH Insurance and ASFA recommends CPH coverage to fitness professionals.
• International Fitness Professionals Association (IFPA)majorGTM or Marketing PartnerIFPA recommends CPH Insurance to its fitness professional members.
• National Association for Fitness Certification (NAFC)majorGTM or Marketing PartnerNAFC endorses CPH Insurance coverage for certified fitness professionals.
• National Federation of Professional Trainers (NFPT)majorGTM or Marketing PartnerNFPT recommends CPH Insurance to its certified personal trainer members.
• World Instructor Training Schools (W.I.T.S.)majorGTM or Marketing PartnerW.I.T.S. recommends CPH Insurance to its fitness professional graduates and members.
• Aquatic Exercise Association (AEA)minorGTM or Marketing PartnerAEA endorses CPH Insurance coverage for aquatic exercise professionals.
• American Aerobics Associations International/International Sports Medicine Association (AAAI/ISMAA)minorGTM or Marketing PartnerAAAI/ISMAA recommends CPH Insurance coverage to its fitness and sports medicine professional members.
• Psychology TodaymajorGTM or Marketing PartnerCPH policyholders receive a FREE first-time listing for 6 months in Psychology Today's Therapy Directory, compliments of CPH Insurance. Psychology Today provides therapist finder functionality and client tracking.
• TherapySitesminorGTM or Marketing PartnerCPH policyholders receive two months of free website services and one month free of telehealth with TherapySites. TherapySites specializes in creating websites for therapists. Regular pricing is $59/month with no long-term contracts.
• Therapy PartnerminorGTM or Marketing PartnerCPH policyholders receive a $295 value including 60-day free trial, one hour free business consultation, and waived enrollment fee for credit card storage and processing services.
• Certified Functional Strength Coach (CFSC)minorGTM or Marketing PartnerCFSC certification is based on Mike Boyle Strength & Conditioning coaching and programming systems. Their goal is to raise standards for personal trainers and strength coaches. CPH Insurance is mentioned as working with fitness professionals who hold this certification.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• CoverWallet: CoverWallet is an insurtech brokerage that sells professional liability, general liability, and other SMB coverages online. It competes with CPH on the same SMB customer base but uses a broader multi-carrier marketplace model rather than a niche specialist position.
• Therapist Insurance Alliance: Therapist Insurance Alliance offers professional liability and business insurance specifically to therapists and counselors in private practice. It directly targets the same mental health SMB segment that constitutes CPH's primary vertical.
• Next Insurance: Next Insurance is a digital-first SMB insurer offering professional liability, general liability, and workers' comp to small businesses including personal trainers and health professionals. It overlaps CPH's customer segments with a more technology-led, broader-portfolio approach.

Direct peers

• Nurses Service Organization (NSO): NSO specializes in professional liability and malpractice insurance for nurses, nurse practitioners, and allied health professionals — directly overlapping CPH's individual malpractice book and association-driven distribution strategy.
• CM&F Group: CM&F offers professional liability insurance for allied health, mental health, fitness, and wellness professionals with a similar individual-policy, online-bind model. Directly comparable niche, channels, and customer profile to CPH.
• Proliability (Mercer): Proliability, operated by Mercer, sells professional liability insurance to individual healthcare and mental health practitioners. It overlaps with CPH on coverage type, target customer, and online-direct distribution approach.
• Healthcare Providers Service Organization (HPSO): HPSO is a leading direct provider of professional liability insurance for individual healthcare professionals, including nurses, allied health, and behavioral health practitioners. It is the most direct peer to CPH, sharing the same niche individual-malpractice distribution model and customer base.
• APA Insurance (American Professional Agency): American Professional Agency provides professional liability insurance for mental health counselors, social workers, and allied health practitioners — overlapping CPH's mental & behavioral health vertical with very similar distribution via professional associations.
• Sports & Fitness Insurance Corporation: Sports & Fitness Insurance Corporation provides professional liability and general liability insurance specifically to fitness professionals, trainers, and studios. It directly competes with CPH's health & wellness vertical on coverage type and target customer.

Broad incumbents

• Hiscox USA: Hiscox is an established specialty insurer offering professional liability to small businesses and professionals, including consultants, therapists, and fitness instructors. It competes with CPH on professional liability for small-office practitioners but offers a broader product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks3 records

Key highlights7 records

Customer concentration

• Xx.com/cphins
• Facebookfacebook.com/CPHandAssociates

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CPH & Associates