Counselor Insurance
Counselors require a special professional liability insurance policy made for their business that covers you from a lawsuit judgment but also the cost of defense.
You’ve worked hard to establish your counseling business so protect it with a great insurance policy. Insurance benefits for counselors can include:
- Professional Liability Coverage – covers your business from claims, also known as E&O insurance.
- General Liability Insurance – helps cover the costs of bodily injury, medical costs, and damaged property.
We provide counselor insurance for all types of counselors including:
- Family Counselors
- Occupational Therapists
- Hypnotists
- Psychologists
- Marriage Counselors
- Social Workers
- Mental Health Counselors
- & more!
Trust our licensed business insurance agents to discuss an insurance policy that is just right for you and your business. Protect what you’ve built and set your mind at ease knowing that in the event of a claim, you have the right protection and the right policy to stand behind you.
Frequently Asked Questions
Why might a counselor need professional liability insurance?
Counselors may face claims alleging negligence, inappropriate advice, failure to properly assess a client, or other errors in professional services. Professional liability insurance may respond to certain covered claims, subject to the policy’s terms, limits, and exclusions.
Does counselor insurance cover telehealth services?
Coverage for counseling provided through video, phone, or other remote methods varies by policy. Texas counselors should disclose their use of telehealth and confirm whether services provided across state lines are eligible for coverage.
Can counselor insurance address a breach of confidential client information?
Cyber liability insurance may help with certain expenses or liabilities arising from a covered data breach or cyberattack. Counselors should review how they collect, store, and share sensitive client information when considering coverage.
Are employees and independent counselors covered under the same policy?
Employees or independent contractors may be eligible for coverage, but they are not necessarily included automatically. Each counselor’s employment status, services, qualifications, and insurance responsibilities should be reviewed.
Does professional liability insurance replace general liability insurance?
No. Professional liability generally addresses claims involving counseling services, while general liability focuses on certain bodily injury, property damage, and premises-related claims. A counseling practice may need to consider both.