Animal-assisted therapists
Expressive and creative arts therapists
Faith-based and pastoral counselors
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Therapy and Counseling Business Insurance
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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
This policy covers common therapy and counseling risks, including client injuries. Bundle 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
A BOP bundles commercial property insurance and general liability insurance 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
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
- Partial missed wages
- Lawsuits over employee injuries
Professional liability insurance
Professional liability insurance for counselors, also called malpractice insurance, can pay for legal expenses if a therapist or counselor is sued for negligence that led to injury.
BEST FOR
- Accusations of negligence
- Failure to deliver results
- Mistakes or oversights
Looking for different coverage? See more policies.
How much does insurance cost for therapy and counseling professionals?
Several factors will have an impact on insurance costs, including:
- Therapy and counseling services offered, such as occupational therapy
- Business equipment and property
- Revenue
- Location
- Number of employees
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