Why do expressive and creative arts therapists need insurance?
Art, drama, dance, and music therapists help boost their clients' mental health and well-being. Offering these services is transformative, but involves significant legal liability. Business insurance protects against costly accidents and lawsuits, so you can continue to improve your clients’ lives.
Find affordable coverage
Expressive and creative arts therapists can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of insurance do expressive and creative arts therapists need?
These insurance policies cover common risks of art therapy services.
General liability insurance
This policy covers basic third-party risks, such as an accident that injures an art therapist’s client or damages their property. It’s often required for a commercial lease.
- Slip-and-fall accidents
- Damaged client property
- Libel or slander lawsuits
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It protects art therapists from common lawsuits and business property damage.
- Client property damage
- Client bodily injuries
- Fires and other business property damage
Professional liability / medical malpractice
Professional liability insurance covers legal defense costs related to mistakes and oversights. It's sometimes referred to as malpractice insurance or errors and omissions insurance (E&O).
- Accusations of negligence
- Breach of confidentiality
- Mistakes and oversights that cause harm
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
- Disability benefits
- Lawsuits over employee injuries
Cyber insurance
Cyber liability insurance covers financial losses from data breaches and cyberattacks. It's strongly recommended for any healthcare professional who stores personal information.
- Client notification costs
- Fraud monitoring services
- Data breach investigations
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
How much does insurance cost for therapy and counseling professionals?
An art therapist who works independently can expect to pay less for insurance than a healthcare provider with several employees.
Factors that affect premiums include:
- Therapy and counseling services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Aggregate and per-occurrence policy limits
How do I get expressive and creative arts therapist insurance?
It's easy to get art therapist liability insurance and property insurance if you have your company information on hand. Our application will ask for basic facts about your clinic, 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your art therapy practice, whether you work full-time or part-time.
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