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 injuries to failure to recognize suicidal ideation, mental health counselors face numerous risks. Shield your 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 cover the most common risks of mental health counseling.

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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 workers' comp for mental health practices that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

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

Professional liability insurance, also called malpractice insurance, helps 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 business insurance?

As a mental health professional, you work 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, your small practice can survive the financial impact of a lawsuit or other costly incident.

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