Business Insurance for Mental Health Counselors

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Mental Health Counselor
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Save money by comparing insurance quotes for mental health counselors

From office accidents to failing to coordinate treatment with other professionals, mental health counselors face numerous risks. Shield your small practice with affordable policies.

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Mental health counselors can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of business insurance do mental health counselors need?

These policies provide coverage for common risks of mental health counseling.
Note: Insureon cannot provide quotes for professional liability insurance for mental health counselors, also called malpractice insurance.

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General liability insurance

General liability insurance covers the most common risks that small mental health practices face, such as client injuries and property damage.

  • Slip-and-fall accidents
  • Damaged client 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 mental health counselors to buy general liability coverage and commercial property insurance together.

  • Client injuries
  • Damaged business property
  • Business interruption incidents
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Workers’ compensation insurance

Most states require mental health practices with employees to have workers’ comp. This policy covers medical costs and lost wages for work-related injuries and illnesses.

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

Professional liability insurance, also called malpractice insurance, can help cover legal expenses if a counselor is sued for unsatisfactory work, such as failure to coordinate treatment with a psychiatrist.

  • Accusations of negligence
  • Failure to deliver services
  • Counseling mistakes or oversights
Looking for different coverage? See more policies.

Why do mental health counselors need insurance?

As a mental health professional, you deal with clients suffering from depression, anxiety, and other mood disorders. Your work is advice-based, which exposes you to the risk of professional liability lawsuits. With mental health counselor insurance, you can rest assured that your small practice can survive negligence accusations and other common risks.

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
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Mental Health Counselor