Pastoral Insurance

Faith Based Counselor
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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. Business insurance offers financial protection and peace of mind in the event of an injury, accusation of negligence, fire, or other costly incident.

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Get same-day insurance

With Insureon, faith-based and pastoral counselors can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

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

These insurance policies cover common risks of faith-based counseling.

General liability insurance icon

General liability insurance

This policy covers basic risks of faith-based counseling, such as a client who trips and suffers a bodily injury at your office. Bundle it with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel and 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.

  • Client injuries
  • Damage to church property
  • Business interruption incidents
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Professional liability / medical malpractice

Professional liability insurance covers legal defense costs if a faith-based counselor is sued for negligence, such as advice that harms a church member. It's sometimes referred to as malpractice insurance.

  • Accusations of negligence
  • Missed appointments
  • Advice that causes harm
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Workers’ compensation insurance

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

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
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Cyber insurance

This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for faith-based counselors who 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 practice. 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.

How much does insurance cost for therapy and counseling professionals?

Therapy and counseling professional calculating the cost of business insurance.

A faith-based counselor who works independently can expect to pay less for insurance than a healthcare professional who hires 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 liability limits
  • Deductibles
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How do I get faith-based and pastoral counseling insurance?

It's easy to get business insurance for pastoral and faith-based counseling if you have your company information on hand. Our application will ask for basic facts about your practice, 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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 counseling practice, whether you work full-time or part-time.

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