Counseling Centers Insurance

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.

Counseling center employee working with two people.
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Find the right coverage

Insureon helps counseling and referral centers find insurance that matches their unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of insurance do counseling and referral centers need?

These insurance policies cover the most common risks of counseling centers.

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General liability insurance

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.

  • Slip-and-fall accidents
  • Client property damage
  • Libel and other advertising injuries
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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.

  • Client bodily injuries
  • Damage to client property
  • Stolen or damaged business property
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Professional liability insurance

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).

  • 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
  • Disability benefits
  • Lawsuits from 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 nonprofit organizations?

Human and social service professional calculating insurance costs for their business.

A small counseling center can expect to pay less for insurance than a larger business.

Factors that affect premiums include:

  • Services offered, such as in-person or virtual counseling
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get counseling center insurance?

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:

  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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