Business Insurance for Speech Therapists

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Speech Pathologist / Therapist
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Why do speech therapists need insurance?

Speech therapists work directly with clients, which makes you especially vulnerable to third-party accidents and lawsuits. Business insurance covers costs and provides peace of mind in the event of a slip-and-fall injury or a claim that therapy worsened a patient’s stuttering. Some policies, such as workers' compensation, may be required by law.

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One application, multiple quotes

Insureon helps speech therapists compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of business insurance do speech therapists need?

These insurance policies cover common risks faced by speech therapists.

General liability insurance icon

General liability insurance

A commercial general liability policy covers basic risks of working with clients, including slip-and-fall injuries in your office. Bundle it with commercial property insurance for savings in a BOP.

  • Accidents that injure clients
  • Accidental damage to client property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner’s policy, or BOP, is a cost-effective way for speech therapists to buy commercial property insurance and general liability coverage together.

  • Personal injuries
  • Business property damage
  • Business interruption incidents
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Professional liability / medical malpractice

Professional liability insurance for speech-language pathologists helps cover legal defense costs related to negligence. It’s also called malpractice insurance.

  • Speech impediment that worsens
  • Advice that causes a bodily injury
  • Accusations of negligence
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
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Cyber insurance

A cyber liability insurance policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for speech therapy 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 speech therapy clinic. 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?

Therapist calculating insurance costs with dollar sign in thought bubble over her head.

A self-employed healthcare professional can expect to pay less for insurance than a larger practice.

Factors that affect premiums include:

  • Specialty and services offered, such as telehealth
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Aggregate and per-occurrence liability limits
View Costs

How do I get speech therapist insurance?

It's easy to get speech therapist insurance if you have your company information on hand. Our application will ask for basic facts about your practice, 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 insurance coverage for your speech therapy practice, whether you work independently or hire employees.

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