Speech Therapist Insurance for Private Practices & Specialists 
What type of insurance does a speech therapist need?
Get Reliable Insurance for Speech Therapists Covering Clients, Sessions & More
As a speech therapist, you help clients overcome communication challenges but your work also carries professional risk. Speech therapist insurance protects your practice from claims of malpractice, errors in treatment, or client dissatisfaction. Whether you work in schools, clinics, or private settings, the right insurance for speech therapists helps safeguard your reputation and your livelihood.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Are The Kinds Of Speech Therapist Insurance?
Speech therapist insurance includes a range of coverages designed to protect your business from common risks such as third-party injuries, property damage, and legal fees.
Key types of speech therapist insurance to consider for your practice include:
-
General Liability Insurance – Covers third-party bodily injury or property damage claims.
-
Professional Liability Insurance (malpractice) – Protects against negligence claims or unsatisfactory service disputes.
-
Cyber Liability Insurance – Essential for practices handling client data online, protecting against breaches and cyberattacks.
- Business Owners Policy– General liability insurance and business property coverage all in one.
- Business Income Interruption – Helps replace lost income and cover ongoing expenses if your operations are temporarily halted due to a covered event
Do You Need Insurance For Speech Therapist?
Yes! Every session, consultation, and client interaction carries risk. Insurance for speech therapist is essential protection for:
- Advice-Related Lawsuits – Clients may claim they suffered harm or financial loss as a result of your coaching guidance.
- Negligence Claims – You could be sued if a client believes you failed to meet professional standards or expectations.
- Licensing Requirements – Even if your state does not require a license, having insurance adds an extra layer of professional protection.
- Business Operations – Insurance helps safeguard your reputation, finances, and long-term success.
What Determines the Cost Of Liability Insurance For Speech Therapist?
The costs of liability insurance for speech therapist may vary depending on several key factors, including:
-
Coverage Type
-
Business Size & Location
-
Claims History
-
Coverage Limits & Deductibles
The best way to find your speech therapist insurance cost is to get a free, online quote in minutes!
How To Get The Best Speech Therapist Insurance With Gild?
At Gild, we focus exclusively on small businesses. That means every policy, recommendation, and conversation is tailored to the unique needs of business owners like you. Our goal is to make insurance simple, affordable, and effective so you can focus on growing your wellness business with confidence.
Here’s how to get the best speech therapist insurance with us:
- Hassle Free: Get your free, online quote in minutes!
- Tailored Coverage: We design policies specifically for small businesses, whether you operate remotely or manage a small team.
- Affordable Protection: We compare options from top carriers to deliver comprehensive coverage options that fits your budget.
- Small Business Expertise: Because we only insure small businesses, we understand your challenges and build solutions that truly protect you.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Speech Therapist Insurance Today!
Don’t wait for an unexpected incident to put your therapy practice at risk. With speech therapist insurance from Gild, you get more than a policy. You get a partner who understands the work you do and helps protect your practice so you can focus on empowering others.
Frequently Asked Questions
Speech therapists often carry multiple coverages to stay protected:
- Professional liability – protects against malpractice claims, treatment errors, or misdiagnosis
- General liability – covers third-party injuries, like a client tripping in your office
- Business property coverage – insures therapy tools, office equipment, and materials
- Cyber liability – safeguards client health information and electronic records
- Workers’ compensation – required if you employ staff, covering workplace injuries
How much does speech therapist liability insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does liability insurance cover telepractice or online speech therapy sessions?
Yes. Most modern professional liability policies extend to:
- Telepractice and virtual therapy platforms
- Hybrid care where services are both online and in-person
- Cyber liability protection, which covers HIPAA-related data breaches and privacy concerns
Do speech therapists need their own insurance if they work in schools, clinics, or hospitals?
Yes. Employer coverage generally protects the organization first. Carrying your own liability insurance ensures:
- Personal coverage if you’re named individually in a lawsuit
- Protection for services outside your primary workplace
- Peace of mind that you’re insured even if employer policies have exclusions
Let's Get The Best Insurance For Your Practice!
Get Covered
