via telehealth
network
A vetted therapy benefit to embed in professional liability policies.
A confidential clinical channel you can package into E&O coverage for the professionals you insure: lawyers, accountants, architects, and other licensed practitioners. A value-add that addresses a documented driver of professional risk. Vetted clinicians. Clear answers on packaging and structure.
A clinical benefit you can build into the policies you already write.
This page is for product leads, underwriting and risk officers, and partnership teams at professional liability carriers writing lawyer, accountant, architect, and other E&O coverage who want to add a vetted, confidential therapy benefit into their policies. If that is you, the rest of this page is the briefing document.
CEREVITY operates as a clinical network with direct relationships between the network, the clinicians, and the contracting carrier. There is no third-party broker layer. Policyholders who use the benefit are matched, not first-served. Scheduling and intake run through CEREVITY infrastructure. Care is private-pay and out-of-network, packaged as a defined benefit within the carrier's product, with the confidentiality and structure scoped in writing.
Our clinicians are independent licensed professionals. Many have worked with lawyers, accountants, and other licensed practitioners and understand the pressures that drive both distress and, downstream, professional error. CEREVITY exists in part because the distress profiles of the very professionals carriers insure are well documented, and because a confidential clinical benefit is a credible, packageable lever on a real driver of claims.
The professions you insure carry documented distress, and distress is a known antecedent of professional error.
The reason a therapy benefit belongs in a professional liability product is not soft. The licensed professionals carriers insure carry well-documented rates of burnout, anxiety, depression, and substance use, and impairment and burnout are recognized contributors to the lapses that become claims. A confidential clinical channel is a lever on that, packaged as a benefit.
Lawyers, accountants, architects, and similar practitioners present with recognizable distress profiles: chronic burnout, high-functioning anxiety, depression masked by competence, and substance use, often above general-population rates. These are the same professionals whose errors and omissions the carrier underwrites, which is precisely why their well-being is underwriting-relevant rather than incidental.
Carriers already invest in risk management and loss prevention. A confidential therapy benefit fits that frame: it is a value-add at the point of sale and renewal, a differentiator against competing E&O products, and a plausible contributor to loss prevention on a recognized driver of claims. The benefit can be structured so it is attractive to package and clean to administer.
What changes when the benefit is built for a carrier: vetted clinicians experienced with the insured professions, session formats long enough for real work, a confidential intake that protects the policyholder, and a packaging and administrative structure scoped so the benefit can be embedded, priced, and explained to underwriting and distribution.
What CEREVITY clinicians treat across the professions carriers insure.
The clinical scope maps to the distress profiles of insured professionals, which are the same profiles that sit upstream of many E&O claims.
Burnout-driven error risk
Chronic burnout erodes attention, judgment, and follow-through, the exact capacities whose lapse produces missed deadlines, oversights, and the errors that become claims. Treating burnout is upstream of the loss.
High-functioning anxiety
Performance maintained at cost across the insured professions. The work looks fine until the cost shows up, sometimes as the very lapse a policy is written to cover.
Depression behind competence
Mood disorders masked by professional functioning. Treatable, frequently untreated, and a quiet contributor to the degraded judgment that precedes errors.
Substance use short of impairment
Use that has become a concern but has not reached an impairment threshold. Catching it early through a confidential benefit is both a clinical good and a loss-prevention one.
Post-claim and post-complaint distress
A claim, a complaint, or a disciplinary inquiry is a clinical event for the practitioner involved. Supporting them confidentially can stabilize the practice and reduce the secondary errors that distress produces.
Solo and small-firm isolation
Many insured professionals practice alone or in small firms with no support structures. The isolation is both a clinical risk and a risk factor for the unchecked errors that drive claims in that segment.
Decision and judgment fatigue
Consequential professional-judgment calls made under chronic load. Fatigue degrades exactly the judgment that E&O coverage exists to protect against.
Career-stage and transition strain
Entry to independent practice, growth, and the runway to retirement are inflection points where distress and risk both rise. A confidential benefit reaches practitioners at those points.
Three session formats, each chosen for the work.
Most embedded benefits offer one session length. CEREVITY offers three, because different kinds of clinical work need different amounts of time. The choice is made between the clinician and the policyholder, not by what a payor will reimburse.
The steady cadence of ongoing therapy. Most clients spend most of their care in this format.
For work that needs more room than a standard hour. Focused work on a specific transition or decision.
For work that needs uninterrupted time to reach resolution within a single session.
Because CEREVITY operates outside the insurance reimbursement model, session length is set by the clinical work, not by what a payor will reimburse. That is the structural reason all three formats can exist on the same network and can be packaged into a policy benefit with predictable structure.
Ready to scope a product and packaging briefing?
Briefings are scoped to your product and book. We respond personally within 48 business hours with proposed times and any prepared materials relevant to embedding the benefit, including packaging and the questions your actuarial and underwriting teams will ask.
Request a briefing →How a policyholder is matched.
Matched, not first-served. Here is the process that produces the match for a policyholder who uses the benefit.
The eligible individual submits a confidential intake form covering presenting issues, modality preference, professional context, and scheduling parameters. The form is operated by CEREVITY, not by a broker.
Intake is reviewed by CEREVITY's clinical leadership against the network's active capacity, current licensure footprint, and modality availability. This is the step that does not exist in an EAP.
A specific clinician is matched to the policyholder based on the review. The policyholder receives the match with the clinician's profile, modality, and credentials, plus a direct online scheduling link.
The policyholder schedules directly through CEREVITY infrastructure. No phone handoff. First sessions are typically scheduled within 5 to 10 business days of the match.
Care continues with the matched clinician on the cadence the clinical work requires, in 50-minute, 90-minute, or 3-hour sessions, without an employer-imposed cap.
Capability comparison for Professional Liability Carriers.
A vendor evaluation framework on the dimensions that matter when scoping a policyholder-tier-tier offering for policyholders. Both models have a place. They are designed for different populations.
| // Dimension | Typical EAP | Exec-tier platform | CEREVITY |
|---|---|---|---|
| Network model | Broker layer between carrier and contractor roster | Single-vendor platform, W-2 or contracted pool | Independent clinical network with direct relationships |
| Clinician assignment | First contractor to reply with availability | Algorithmic matching on intake-form inputs | Clinical review by network leadership |
| Intake & scheduling | Phone handoff to clinician's line | App-based intake and scheduling | Network-operated intake, direct online scheduling |
| Session formats | Standard 50-min; capped session counts | Standard 45 to 50-min sessions | 50-min, 90-min, and 3-hr formats, no cap |
| Clinical scope | Acute, broadly applicable concerns | Workforce-wide, executive tier as upsell | Built around Professional Liability Carriers presenting issues |
| Modality fit | Generalist talk therapy | Generalist therapy with some specialty | CBT, DBT, psychodynamic, matched at intake |
| Reach | National via roster density | National telehealth, roster variance | All 50 states via telehealth |
| Payment model | Carrier-sponsored, in-network | Per-employee-per-month seat pricing | Private-pay, out-of-network, partnership agreement |
| Carrier visibility | Aggregate, broker-mediated | Vendor dashboards with engagement | Administrative reporting only |
| Right fit for | Workforce-wide acute support | Mid-tier ongoing with executive add-on | Professional Liability Carriers, end-to-end |
What the carrier sees, and what it does not.
For a policyholder-tier-tier channel to function, the participating policyholder has to trust that engaging with it does not create visibility into their care. CEREVITY is built around that requirement.
- Confirmation that contracted services were provided to eligible individuals.
- Aggregate utilization at the partnership level, where contractually appropriate.
- Invoicing and eligibility reconciliation.
- Nothing tied to a specific named policyholder's clinical content.
- Whether a specific named policyholder has scheduled, attended, or engaged.
- What clinical issues are being addressed, or which clinician is assigned.
- Session notes, treatment plans, or diagnostic information.
- Any attendance detail at the individual level.
Clinicians are independent licensed professionals operating under their own licensure and the confidentiality and privacy obligations that attach to it. Protected health information is held within the clinical infrastructure, and the agreements governing it are defined in writing before the partnership goes live.
Clinical records, session content, and individual engagement data sit inside the clinical platform. The administrative layer the partner interacts with is structurally separate from the clinical layer.
Eligibility lists are maintained on the partner side and confirmed at the point of intake. Administering eligibility does not require the partner to receive clinical information back.
A Business Associate Agreement is executed where the partnership structure requires it. The partnership agreement defines administrative reporting scope in writing before going live.
What the first 30 days look like.
The hardest part of a policyholder-tier-tier partnership is not the contract. It is the period between signature and the first policyholder in care.
A 60-minute kickoff with your team and CEREVITY's partnership lead. We confirm the partnership shape, the eligibility model, the administrative reporting scope, and the internal owner. The BAA, where applicable, is executed in this window.
Your team provides the eligible-individual list. CEREVITY confirms it against the network side and establishes the verification path that runs at the point of intake. Only eligibility confirmation flows forward.
CEREVITY provides a confidential, policyholder-tier-appropriate comms template explaining the benefit, the privacy posture, and how to access intake. Your team adapts it to your voice.
Eligible individuals begin intake on their own cadence. First sessions are typically scheduled within 5 to 10 business days. By day 30, the partnership is operational and a quarterly review cadence is in place.
The business case for the carrier.
Three axes a product or underwriting lead can defend when adding the benefit. The specifics depend on your book and structure; the structural argument does not.
Loss prevention on a recognized driver.
Burnout, impairment, and distress are recognized antecedents of the lapses that become E&O claims. A confidential clinical benefit is a plausible, defensible loss-prevention lever on that driver, in the same category as the risk-management services carriers already provide.
Product differentiation and retention.
A vetted, confidential therapy benefit embedded in coverage is a differentiator at quote and renewal, particularly with the professional and small-firm segments that weigh value-adds. It gives distribution a concrete reason to choose and stay with the product.
Brand and professional-care positioning.
Carriers that visibly support the well-being of the professionals they insure strengthen their standing with bar groups, professional associations, and the practitioners themselves. A named clinical benefit is a credible, ownable expression of that positioning.
Questions policyholders and their teams ask first.
Clinicians in the CEREVITY network are independently licensed professionals operating under their own licensure and the confidentiality and privacy obligations that attach to it. The handling of any protected health information, and the specific agreements that govern it including any Business Associate Agreement, are defined in writing in the partnership agreement before the benefit goes live, scoped to the carrier's structure and product.
No. The clinical work is confidential between the clinician and the policyholder. The carrier receives only contractually appropriate administrative and aggregate information, never whether a named policyholder engaged, what is being addressed, or any clinical content, and the benefit is structured so engagement is not visible to underwriting or claims. That separation is what makes the benefit safe for a policyholder to use.
CEREVITY does not assert a specific actuarial claims-reduction figure, because that depends on your book, your lines, and a study only the carrier can run. What we provide is the documented link between professional distress and error, a defined and confidential benefit structure, and the operational data your actuarial team would need to evaluate impact within your own framework. The briefing is where we align on what your actuaries require.
The benefit can be structured as an embedded value-add, an opt-in rider, or a risk-management service tied to the policy, depending on your product architecture and how you want to position and price it. Packaging, eligibility, session structure, and administration are defined in the briefing and scoped to your product.
No. CEREVITY is private-pay and out-of-network by design and is offered here as a packaged policy benefit, not as an in-network behavioral health arrangement. The structure is intentional: it is the only way to deliver the clinical scope, session formats, and confidentiality posture these professionals require.
Cost depends on the benefit structure, the size and composition of the book, and how the carrier prices and positions the benefit. The briefing is where we identify the right structure and the inputs your product and pricing teams need, and the cost falls out of that.
First sessions are typically scheduled within 5 to 10 business days of intake, depending on modality requirements and scheduling parameters.
Through a briefing call. Use the form below or email [PARTNERSHIPS EMAIL] directly. Briefings are scoped to your product and book; we respond personally within 48 business hours.
Tell us about your product. We respond within 48 business hours.
Briefings are scoped to your product and book. Share a few details below and we will respond personally with proposed times and any prepared materials relevant to embedding the benefit, including packaging and the inputs your actuarial and underwriting teams will want.
The structural argument on this page is based on the firsthand experience of CEREVITY clinicians who have served on EAP panels, combined with widely-published industry estimates of EAP utilization and Professional Liability Carriers-specific data where cited. Specific contractual scopes, including the administrative reporting boundary and the BAA structure, are confirmed in writing in the partnership agreement before any partnership goes live.
