Mental Health Counselor Insurance

Affordable Protection for Mental Health Counseling Services

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Simply Business is pleased to provide tailored insurance coverage from:

Mental Health Counselor Insurance That’s Made Just for You

Whether you work with groups, individuals, or communities, you have a knack for helping people cope with an array of emotional, mental, and dependency disorders. While you’re busy helping others find peace of mind, protecting your business with insurance will help you feel more at ease.

Let Simply Business help you find a mental health counselor insurance policy that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work for your customers.

What Insurance Do Mental Health Counselors Need?

Being a mental health counselor comes with a lot of potential risks. Since you’re guiding people through mental health healing, you could accidentally offend someone or be considered negligent with your practice. Plus, if a patient gets hurt on the job, your business could be exposed to lawsuits and medical claims.

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General Liability Insurance for Mental Health Counselors

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury.

Let’s say you’re invited to lead a mental health discussion at a local school. If you accidentally damage the school building, you could be facing some hefty repair bills. That’s why we recommend that mental health counselors carry general liability insurance, as it can provide their business with essential protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Mental Health Counselors

Professional Liability insurance is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. If you upset a customer for alleged negligence and are faced with a lawsuit, your professional liability insurance policy may cover damages and legal costs.

Additionally, if you’re running a mental health counseling session and it goes wrong for any number of reasons, you may be susceptible to a lawsuit from a customer, whether or not negligence occurred.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

Workers Compensation Insurance for Mental Health Counselors

If an employee (whether they are full-time, part-time, or a subcontractor) gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages.

How Much Does Insurance for Mental Health Counselors Cost?

While there’s no single answer for how much insurance costs for mental health counselors, you can get an estimate for what you may pay based on:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more
  • Want to find out how much your mental health counseling business insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your mental health counselor insurance coverage.

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