Therapy/Counseling Insurance
Strong Protection for Practices Focused on Healing and Guidance
What Is Therapy/Counseling Insurance?
Therapy & Counseling Insurance is specialized coverage designed for mental health professionals who provide guidance, support, or treatment to clients. This includes therapists, counselors, psychologists, social workers, marriage & family therapists, behavioral health specialists, life coaches, and similar practitioners.
This insurance protects your practice from risks such as professional errors, client allegations, data breaches, accidental injuries, and damage to your office or equipment. Whether you operate a private practice, work within a clinic, or provide remote sessions, this coverage helps ensure your professional services are safeguarded.
Why Do You Need It?
Mental health professionals work in sensitive, high-trust environments where misunderstandings, miscommunications, or unexpected client outcomes can lead to serious claims—even with the best intentions and practices in place. A single allegation of negligence or emotional harm can be financially and professionally damaging. Additionally, therapists often maintain confidential client records, making them vulnerable to cyberattacks or data breaches.
Therapy & Counseling Insurance protects your practice by covering legal costs, professional liability claims, property losses, and data-related incidents. With the right coverage, you can focus on providing compassionate, ethical care while safeguarding your career and reputation.
Types of Therapy/Counseling Insurance
Professional Liability (Malpractice) Insurance – Covers claims related to negligence, misrepresentation, advice errors, or emotional harm.
General Liability Insurance – Protects against injuries or property damage that occur in your office or therapy space.
Cyber Liability Insurance – Covers data breaches, cyberattacks, and compromised client records or digital communications.
Commercial Property Insurance – Protects your office, furnishings, electronics, and therapy equipment from fire, theft, or vandalism.
Business Interruption Insurance – Helps replace lost income if your practice must temporarily close due to a covered event.
Workers’ Compensation – Covers injuries to employees working within your practice or counseling center.
Employment Practices Liability Insurance (EPLI) – Covers claims related to workplace issues like discrimination or wrongful termination.
Commercial Auto Insurance – Provides coverage for vehicles used for mobile counseling sessions, home visits, or administrative travel.
Equipment Breakdown Coverage – Protects essential therapy tools and electronics—such as computers, communication devices, and office systems.
Directors & Officers (D&O) Insurance – For group practices or counseling centers to protect leadership from claims related to management decisions.