Both the Trust and APA are comparable in general services and price. Both offer some CE discounts, helpline for ethical issues, etc. They're basically the same, except in these situations:
1. If you have a partnership/group policy in which you insure multiple people who work part-time (less than or equal to 20 hours each, which is most private practitioners), then hands down, the Trust is MUCH cheaper because they offer a 30% part-time discount even if you're in a group. APA refuses to offer any discount for groups with part-time practitioners.
2. If you're subpoenaed, and costs exceed standard deposition coverage. Apparently, APA offers additional deposition coverage as an option (this is separate from licensing board complaint coverage) if you're subpoenaed, and Trust doesn't offer more than standard $5K. Per a psychologists on my state psych listserv, one bad case could far exceed the $5K standard, when it comes to lost income (not being able to see other clients), travel costs, consultation time, time spent in court, costs of hiring a consultants and/or an HIPAA specialist to review "metadata" in your electronic records, etc. Of course, that's worst case scenario. Or, folks can simply stipulate a fee schedule regarding litigation/subpoena-related costs in their informed consent.
