Business Insurance for Creative Arts Therapists

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Art Therapist
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Save money by comparing insurance quotes for creative arts therapists

From misunderstood advice to an injury at your studio, creative and expressive arts therapists are vulnerable to lawsuits. Therapy insurance can safeguard small practices from legal fees at an affordable price.

Art therapist helping a teenager create a painting.
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Multiple quotes with one application

Insureon helps expressive and creative arts therapists compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do expressive and creative arts therapists need?

These policies cover common risks faced by creative arts therapists.  

General liability insurance icon

General liability insurance

This policy covers basic art therapist risks, such as accidental client injuries and property damage. Bundle with property insurance for savings in a business owner’s policy.

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

Business owner's policy

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

  • Client property damage
  • Client injuries
  • Fires and other business property damage
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Professional liability / medical malpractice

This policy can help cover legal expenses if an art therapist is sued for a mistake, such as lack of supervision that leads to an injury. It's sometimes referred to as malpractice insurance.

  • Accusations of negligence
  • Breach of confidentiality
  • Mistakes and oversights that cause harm
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

Cyber liability insurance covers financial losses from data breaches and cyberattacks. It's strongly recommended for art therapy businesses that store personal information.

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

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

  • Property damage caused by your vehicle
  • Auto accident injuries
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

Why do expressive and creative arts therapists need insurance?

Art, drama, dance, and music therapists help people work through mental, physical, and emotional issues. Offering these services is transformative, but your work is not without risk. Therapist insurance protects against accidents and lawsuits, so you can continue to improve your clients’ lives.

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
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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