[humanser] Question about Professional Liability insurance

[Janice Toothman]

Good Afternoon Everyone,

I hope that everyone is staying cool in the heat and humidity of summer.

My professional liability insurance with HPSO will expire on August 14.  
Because I am a "New Professional" they raised the price from the student 
price of $39 to $114.

I had originally had to acquire my own liability insurance as part of 
doing my counseling practicum/internship during my final year of 
school.  I paid it my first year out of school even though I am not 
currently working as a counselor.

  Although I hope it will be soon, since I take my State Ethics 
examination later this month provided the NFB legal department can 
assist me with accommodations.  Then I will have my Licensed Graduate 
Professional Counselor certificate that will make me more marketable.

Do you all think I should renew my liability insurance despite not 
having a job yet?  Someone told me that I would be covered under an 
agency liability insurance, if I am hired by an agency so I would not 
need my own unless I am in private practice, which I can not do until I 
complete my 3000 supervised clinical hours.
Janice