Insurance for counselors and therapists.

Professional liability with board complaint defense, general liability, and cyber, for solo counselors, marriage and family therapists, social workers, and group mental health practices.

What counselors and therapists usually carry

Professional liability
Licensing board defense
Entity coverage for group practices
General liability
Cyber liability
Employment practices liability

Watch for these in a counseling practice policy

Misconduct sublimitsMost therapist policies hold misconduct allegations to a sublimit far below the main limit, and some cover defense only. Know how yours handles them.
Custody and forensic workCustody evaluations, court testimony, and fitness-for-duty reports are often excluded or limited. List them if you do them.
Clients in other statesA telehealth client living where you do not hold a license can fall outside coverage. Check before you take them on.
The practice itselfEach clinician’s policy covers that clinician. A group practice needs its own coverage for claims that name the practice.
Suicide and duty-to-warn claimsClaims after a client’s suicide attempt or violence toward someone else are the most serious in this field. Carry limits that reflect them.

What insurance panels and landlords ask counselors and therapists for

Malpractice minimumsMost panels want $1M per claim and $3M aggregate before they credential you.
Individual coverageGroup practices and agencies ask each contract clinician for a policy in their own name.
Additional insuredOffice landlords and shared-suite owners, on your general liability.

Questions counselors and therapists ask

Straight answers.

The questions we hear most, answered plainly.

Do I need my own policy if my group practice has one?

Often yes. A group policy may cover only the entity, or only employees. Contract clinicians almost always need their own.

Is a data breach covered by my malpractice policy?

Rarely in full. Some policies add a small privacy sublimit. Cyber coverage pays for breach notices, forensic work, and restoring records after ransomware.