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Why do rehabilitation counselors need business insurance?
Your clients struggle with severe challenges, which means high risks for your practice. If a patient alleges that your advice caused harm, or they were discharged prematurely, the result could be a lawsuit. Business insurance helps cover expensive legal costs, and may be required by state law.
Find the right coverage
Insureon helps certified rehabilitation counselors (CRCs) find insurance that matches your 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 business insurance do rehabilitation counselors need?
These insurance policies cover common risks of rehabilitation counseling.
General liability insurance
A general liability policy covers costs in the event of an accidental injury or damage to patient property. Bundle it with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Defamation lawsuits
Business owner's policy
A business owner’s policy, or BOP, bundles commercial property insurance and general liability coverage at a discount. It protects against common accidents and property damage.
BEST FOR
- Accidental patient injuries
- Stolen or damaged business property
- Business interruption incidents
Professional liability / medical malpractice
Professional liability insurance pays for legal costs related to unsatisfactory work, such as negligent advice that worsens an injury. It's sometimes called malpractice insurance.
BEST FOR
- Accusations of negligence
- Failure to refer to a specialist
- Counseling mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for rehabilitation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for rehabilitation counseling practices that store personal information.
BEST FOR
- 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 rehabilitation clinic. Most states require this coverage for vehicles owned by a business.
BEST FOR
- 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?
A rehabilitation counselor who works independently will pay less for insurance coverage than a larger business.
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 rehabilitation counselor business insurance?
It's easy to get rehabilitation counselor insurance if you have your company information on hand. Our application will ask for basic facts about your business, 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 liability protection for your rehabilitation counseling practice, whether you work independently or hire employees.
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