Business Insurance for Speech Therapists

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Speech Pathologist / Therapist
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Save money by comparing insurance quotes for speech therapists

From client injuries to malpractice claims, speech therapists face several liabilities that could trigger a lawsuit. Speech therapy insurance can protect against these high-cost risks and more.

Speech therapist helping a girl with a speech impediment.
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Choose the best rate and coverage

Insureon helps speech therapists compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do speech therapists need?

These policies cover the most common risks faced by speech therapists.

General liability insurance icon

General liability insurance

General liability insurance provides coverage for speech therapist risks such as accidental client injury. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner’s policy bundles property insurance and general liability insurance. A BOP is one of the most cost-effective types of commercial insurance for speech therapists.

  • Client injuries
  • Damaged business property
  • Business interruption incidents
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Professional liability / medical malpractice

Professional liability insurance for speech pathologists can help cover legal expenses if a client sues over unsatisfactory work, such as failure to fix a speech impediment.

  • Accusations of negligence
  • Failure to fix speech impediment
  • Therapy mistakes or oversights
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 liability insurance

This 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.

Why do speech therapists need insurance?

Speech therapists help others communicate effectively. Since you work directly with clients, you’re especially vulnerable to third-party incidents. Speech therapist insurance can protect against risks ranging from slip-and-fall accidents to lawsuits over failure to fix a client’s stuttering.

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
View Costs
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