School Counselor Insurance

School Guidance Counselor
A school guidance counselor helps a young student with building blocks.
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Why do school counselors need business insurance?

Your impact on students' lives is what makes your job worth doing, but it opens you to risks. School counselor liability insurance covers the cost of accidental injuries, lawsuits from parents or students, and claims of reputational harm.

School counselor speaking with a student in their office.
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Find affordable coverage

School guidance counselors can save money on insurance by comparing quotes from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of business insurance do school counselors need?

These insurance policies cover the most common risks of student counseling.

General liability insurance icon

General liability insurance

A general liability policy covers costs in the event of an accidental injury or damage to student property. Bundle it with commercial property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged student property
  • Defamation lawsuits
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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.

  • Accidental student injuries
  • Stolen or damaged business property
  • Business interruption incidents
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Professional liability / medical malpractice

Professional liability insurance pays for legal costs related to unsatisfactory work, such as failure to resolve a conflict that leads to a student's injury. It's sometimes called malpractice insurance.

  • Accusations of negligence
  • Failure to refer to a specialist
  • Counseling mistakes or oversights
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Workers’ compensation insurance

Most states require workers' comp for school counseling businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
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Cyber insurance

This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for school counseling practices that store personal information.

  • Client notification costs
  • Fraud monitoring services
  • Data breach investigations
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Commercial auto insurance

Commercial auto insurance covers the cost of an accident involving a vehicle owned by a school counseling center. Most states require this coverage for vehicles owned by a business.

  • 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?

Therapy and counseling professional calculating the cost of business insurance.

A school 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
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How do I get school counselor insurance?

It's easy to get school counseling business 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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 guidance counselor business, whether you work independently or hire employees.

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