Why do marriage and family therapists (MFTs) need insurance?
Working to improve your clients’ closest relationships places you at risk of lawsuits over your advice and results. Your practice is also susceptible to everyday risks, such as injuries and property damage. Business insurance can cover attorney's fees, medical expenses, and other unexpected costs that could devastate your small practice.
Find the right coverage
Insureon helps marriage and family therapists find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of insurance do marriage and family therapists need?
These insurance policies cover common risks faced by family therapists.
General liability insurance
A general liability policy covers basic third-party risks, such as a client who trips and suffers an injury at your family therapy office. It's often required for a commercial lease.
- Slip-and-fall accidents
- Accidental damage to client property
- Libel and slander lawsuits
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of commercial insurance for marriage and family therapists.
- Client injuries
- Damaged business property
- Business interruption incidents
Professional liability / medical malpractice
Professional liability insurance covers lawsuits related to the quality of your work. It's also called MFT malpractice insurance or errors and omissions insurance (E&O).
- Advice that caused harm
- Accusations of negligence
- Failure to deliver services
Workers’ compensation insurance
Most states require workers' comp for marriage and family therapy businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Cyber insurance
This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for mental health professionals who store 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 a family therapy practice. 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?
A healthcare provider who works independently can expect to pay less for insurance than a larger practice.
Factors that affect premiums include:
- Therapy and counseling services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get marriage and family therapist insurance?
It's easy to get marriage and family therapy business insurance 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:
- 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 family therapy practice, whether you work part-time or full-time.
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