Wellness Counselors Insurance

Wellness Counselor
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Why do wellness counselors need business insurance?

Wellness counselors provide a wide variety of services for depression, anxiety, grief, and even malnutrition. Your insurance coverage should match the range of your work. With the right policies, counselors gain financial protection against injuries at their office, lawsuits from dissatisfied clients, fires, theft, data breaches, and other costly risks.

Wellness counselor conducting a virtual session with a patient on a laptop.
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Find the right coverage

Insureon helps wellness counselors find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of business insurance do wellness counselors need?

These insurance products cover the common risks of wellness counseling.

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General liability insurance

This policy covers common client lawsuits, such as a complaint that a mental health counselor posted a video on social media that violated a client’s privacy.

  • Accidents that injure a client
  • Accidental damage to client property
  • Libel and other advertising injuries
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Business owner’s policy

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

  • Client bodily injuries
  • Stolen or damaged business property
  • Business interruption incidents
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Professional liability / medical malpractice

Professional liability insurance covers lawsuits related to the quality of your work, such as dietary recommendations that caused health problems. It's sometimes called malpractice insurance.

  • Advice that harms a client
  • Failure to deliver promised 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
  • Disability benefits
  • Legal costs from employee injuries
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Cyber 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
  • Legal defense costs from an accident
  • 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 mental health professional who works independently can expect to pay less for insurance than a larger practice.

Factors that affect premiums include:

  • Services offered, such as telehealth or wellness coaching
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Aggregate and per-occurrence policy limits
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How do I get wellness counselor insurance?

It's easy to get counselor business 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 agents work with top-rated U.S. providers to find the right counselor insurance for your wellness practice, whether you work independently or hire employees.

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