Business Insurance for Wellness Counselors

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Wellness Counselor
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Save money by comparing insurance quotes for wellness counselors

Wellness counselors face an assortment of business risks, from injuries at your office to lawsuits from dissatisfied clients. Protect your small wellness counseling business with policies from top-rated carriers.

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

What types of business insurance do wellness counselors need?

These policies provide coverage for common risks of wellness counseling.

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General liability insurance

This policy covers basic wellness counselor risks, such as client property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.

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

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

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

This policy can help cover legal expenses if a wellness counselor is sued for unsatisfactory work, such as recommending a diet that causes other health problems.

  • Accusations of negligence
  • Failure to deliver results
  • Counseling mistakes or oversights
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Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Legal costs
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Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for wellness 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 wellness 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 wellness counselors need business insurance?

Wellness counselors provide a wide variety of services for depression, anxiety, grief, and even nutrition. Your insurance coverage should match the range of your work. Wellness counselor insurance can cover expenses from client lawsuits, property damage, injuries, and more.

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
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