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