Therapy and Counseling Business Insurance

What kind of work do you do?
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Recommended insurance policies for therapists and counselors

From family therapy to wellness counseling, your business can survive a lawsuit with insurance for counselors. Gain financial protection against legal expenses, property damage, and injuries with policies for your specific risks.

General liability insurance icon

General liability insurance

This policy covers common therapy and counseling risks, including client injuries. Bundle it with property insurance for savings in a business owner’s policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged client property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of business insurance for therapists and counselors.

BEST FOR
  • Client injuries
  • Damaged business property
  • Business interruption incidents
Medical malpractice icon

Professional liability / medical malpractice

Professional liability insurance can pay for legal expenses if a therapist or counselor is sued for negligence that led to injury or financial loss. It's sometimes referred to as malpractice insurance.

BEST FOR
  • Accusations of negligence
  • Failure to deliver results
  • Mistakes or oversights
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for therapy and counseling businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Cyber insurance icon

Cyber insurance

Cyber liability insurance covers financial losses from data breaches and cyberattacks. It's strongly recommended for any therapy clinic that stores personal information.

BEST FOR
  • Client notification costs
  • Fraud monitoring services
  • Data breach investigations
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers the cost of an accident involving a vehicle owned by a therapy or counseling business. Most states require this coverage for business-owned vehicles.

BEST FOR
  • Property damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for therapy and counseling professionals?

Therapist calculating insurance costs with dollar sign in thought bubble over her head.

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

  • Therapy and counseling services offered, such as occupational therapy
  • Types of care, such as inpatient, outpatient, or telehealth
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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General liability insurance
Occurrence and claims-made insurance policies differ both in coverage and in cost. Find out what each type of policy offers before you buy insurance for your small business.
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Professional liability / E&O insurance
Professional liability and errors and omissions insurance both protect businesses from expensive lawsuits caused by unsatisfactory work. The language used may differ by industry.
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Small business insurance
Insureon customers benefit from easy online access to quotes, A-rated insurance carrier options, and industry expertise.
Compare insurance quotes for therapists
Save money by comparing insurance quotes from multiple carriers.