Business Insurance for Counseling Centers

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Counseling & Referral Services (Not for Profit)
Counseling and conversation in group therapy or meeting.
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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, business insurance can help pay for medical bills, legal fees, and other unexpected costs.

Counselor speaking with a client.
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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 cover the most common risks of counseling centers.

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General liability insurance

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

  • Slip-and-fall accidents
  • Client property damage
  • Libel or slander lawsuits
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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.

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

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

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

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.

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

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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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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.

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

How much does business insurance cost for nonprofits?

Person writing on tablet calculating cost of business insurance.

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

  • Nonprofit services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs

How do I get counseling center insurance?

It's easy to get 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

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Counseling & Referral Services (Not for Profit)