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 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.
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:
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.