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, business insurance can help pay for medical bills, legal fees, and other unexpected costs.
These insurance policies cover the most common risks of counseling centers.
A general liability policy covers basic risks, such as a client tripping and breaking their wrist. Bundle it with property insurance for savings in a business owner’s policy.
A business owner’s policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits, property damage, and theft.
This policy helps cover expenses if your counseling center is sued for negligence, such as failure to report an abusive situation. It's sometimes referred to as errors and omissions insurance (E&O).
D&O 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.
Most states require workers' comp for counseling and referral centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
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.
It's easy to get business insurance and fidelity bonds for counseling and referral centers if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your counseling center, whether you work independently or hire employees.