What does The Trust Student Liability Policy cover?
The Student Liability Policy covers students involved in school-sanctioned
activities. Common examples are internships, practicum, and externships.
Some schools encourage students to go beyond the required hours and
enter other school-sanctioned/supervised programs. These programs are
often covered under this policy.
Do you have to be an APA member to apply for or renew coverage?
No. Association membership is not required to apply for or renew this insurance policy.
Do all students studying psychology qualify for coverage under the Student Liability Policy?
Being a student should not be the only criteria for selecting The Trust Student
Liability Policy. Your selection of appropriate insurance will depend on your
specific activities. For example, if you are in an internship, practicum or
other program sanctioned by your university, you should consider The Trust
program. If you are working in a program independent of your school or
practicing under another license (LCSW or MFT), then you should consider an
alternative professional liability policy outside of The Trust.
What if I continue to work at an internship after my internship is over?
If the program is no longer affiliated with your school, you have entered into
independent or professional work. This is true even if you are
volunteering. For any activities independent of your school, you should
obtain a professional liability policy.
Does it matter if I receive pay?
No. It does not matter if you receive pay. All that matters is that
your school sanctions the program.
What if I graduate?
The Trust Student Liability Policy will only cover you if you are still working
toward graduation. Occasionally, a student is conferred a degree prior
to completion of his or her internship hours.In these rare cases, the
student policy would still provide coverage. Once you graduate and
enter into post-doctoral work, you should purchase The Trust Professional
Liability policy (and take advantage of the new graduate discount for such