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Why do mental health counselors need business insurance?
As a mental health professional, you work with clients who suffer from depression, anxiety, and substance abuse. That means you take on a lot of responsibility – and a lot of risk. Business insurance provides financial reimbursement in the event of a malpractice lawsuit, theft, or data breach. You may also need it to fulfill the requirements of your state licensing board.
Find affordable coverage
Mental health counselors can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of business insurance do mental health counselors need?
These insurance policies cover common risks of mental health counseling.
General liability insurance
A general liability insurance policy covers basic risks that small mental health practices face, such as an accident that injures a client or damages their property.
BEST FOR
- Slip-and-fall accidents
- Client property damage
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for private practices and small clinics to buy general liability coverage and commercial property insurance together.
BEST FOR
- Client bodily injuries
- Stolen or damaged business property
- Business interruption incidents
Professional liability / medical malpractice
Professional liability insurance covers legal defense costs when a counselor is sued for unsatisfactory work. It's also referred to as malpractice insurance or errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Missed telehealth appointments
- Failure to refer to a psychiatrist
Workers’ compensation insurance
Most states require workers' comp for mental health clinics that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for mental health counseling businesses that store personal information.
BEST FOR
- Client notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by a mental health clinic. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for therapy and counseling professionals?
A mental health counselor who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Therapy and counseling services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get mental health counseling insurance coverage?
It's easy to get insurance for mental health counselors and social workers if you have your company information on hand. Our application will ask for basic facts about your small business, 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right type of coverage for your counseling practice, whether you work independently part-time or run a clinic.
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