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.
These insurance policies cover the most common risks of student counseling.
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.
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.
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.
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.
This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for school counseling practices that store personal information.
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.
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:
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.