Business Insurance for Faith-Based Counselors

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Faith Based Counselor
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Save money by comparing insurance quotes for faith-based counselors

A claim of negligence can lead to financial ruin if uninsured. Shield your pastoral counseling practice with affordable policies from top-rated carriers.

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Insureon helps faith-based and pastoral counselors compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of insurance do faith-based and pastoral counselors need?

These policies cover common risks faced by faith-based counselors. 

General liability insurance icon

General liability insurance

This policy covers basic risks of faith-based counseling, such as client property damage and injury. Bundle with property insurance for savings in a business owner’s policy.

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

A business owner's policy, or BOP, is a cost-effective way for faith-based and pastoral counselors to buy general liability coverage and commercial property insurance together.

  • Patient injuries
  • Damaged business property
  • Business interruption incidents
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Professional liability / medical malpractice

This policy can help cover legal expenses if a faith-based counselor is sued for negligence, such as not recognizing that a client was about to cause self-harm.

  • Accusations of negligence
  • Missed appointments
  • Counseling mistakes or oversights
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Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Legal costs
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Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for faith-based counseling 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 a faith-based counseling 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 faith-based and pastoral counselors need insurance?

As a faith-based counselor, you offer spiritual and psychological support for your clients. This unique work, however, exposes you to liability. Pastoral counseling insurance offers protection against client injury, accusations of neglect, and more so you can continue to offer your services.

How much does insurance cost for therapy and counseling professionals?

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Several factors will have an impact on insurance costs, including:
  • Therapy and counseling services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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