Business Insurance for Mental Health Counselors

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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.

Mental health counselor speaking with male client.

Compare quotes from top-rated U.S. carriers

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.

General liability insurance

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

BEST FOR

Slip-and-fall accidents
Damaged client property
Libel or slander lawsuits

Business owner’s policy

A business owner’s policy bundles property insurance and general liability insurance in one plan. A BOP is often the most cost-effective insurance policy for mental health counselors.

BEST FOR

Client injuries
Damaged business property
Business interruption incidents

Workers’ compensation insurance

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

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

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.

BEST FOR

Accusations of negligence
Failure to deliver services
Counseling mistakes or oversights

Looking for different coverage? See more policies.

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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What our customers are saying

"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"

Jessica Shannon

Customer since 2016

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.

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