Business Insurance for Counseling and Referral Centers

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From client injuries to complaints about your staff, counseling and referral centers face many risks. Protect against lawsuits and more with policies designed for counseling centers.

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Insureon helps counseling and referral centers compare insurance quotes from top-rated U.S. carriers with one easy online application.

What types of insurance do counseling and referral centers need?

These policies provide coverage for the most common counseling center risks.

General liability insurance icon

General liability insurance

General liability insurance covers common risks, such as a visitor tripping and breaking a bone. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR
  • Slip-and-fall accidents
  • Client property damage
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner’s policy bundles general liability and property insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for counseling services.

BEST FOR
  • Client injuries
  • Damage to client property
  • Business property damage
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, can cover expenses if your counseling center is sued for negligence, such as failure to report an abusive situation.

BEST FOR
  • Accusations of negligence
  • Failure to recognize abuse
  • Failure to respond in a timely manner
Directors and officers insurance icon

Directors and officers insurance

Directors and officers insurance protects board members and officers against legal expenses if they are sued for a decision made on behalf of your counseling or referral center that led to financial loss.

BEST FOR
  • Mismanagement of funds
  • Failure to perform official duties
  • Failure to meet regulatory standards
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for counseling and referral centers that have employees. It can cover medical costs for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Employment practices liability insurance icon

Employment practices liability insurance

If a counseling center is sued by an employee over harassment, discrimination, wrongful termination, or another violation of employee rights, EPLI can pay for legal costs.

BEST FOR
  • Sexual harassment lawsuits
  • Discrimination claims
  • Claims of wrongful termination
Looking for different coverage? See more policies.

How much does insurance cost for nonprofits?

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Several factors will have an impact on insurance costs, including:

  • Nonprofit services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Why do counseling and referral centers need insurance?

Counseling and referral centers provide essential services while working with people in highly emotional states. This makes you an easy target for lawsuits. From injuries to accusations of negligence, counseling and referral business insurance can mitigate medical bills, legal expenses, and more.

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