Therapist Insurance Tailored for Mental Health Professionals 
How much does insurance cost for therapists?
Stay Protected with Therapist Liability Insurance for Sessions, Clients & Claims
Providing mental health support means holding a position of trust, one that also comes with professional risk. Therapist insurance protects your practice from claims related to malpractice, client disputes, or unintentional harm. Whether you work independently or in a group setting, the right therapist liability insurance ensures you’re covered so you can focus fully on your clients’ well-being.
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 Types of Therapist Insurance?
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. These policies help safeguard your finances and give clients confidence in your services.
Key types of therapist insurance to consider for your mental health practice include:
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General Liability Insurance – Covers third-party bodily injury or property damage claims.
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Professional Liability Insurance (malpractice) – Protects against negligence claims or unsatisfactory service disputes.
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Cyber Liability Insurance – Essential for practices handling client data online, protecting against breaches and cyberattacks.
- Business Owners Policy– General liability and business equipment 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 Liability Insurance For Therapist?
Yes! Every session, consultation, and client interaction carries risk. Liability insurance for therapists 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 Therapist Liability Insurance?
Therapist liability insurance costs vary depending on several key factors, including:
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Coverage Type
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Business Size & Location
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Claims History
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Coverage Limits & Deductibles
The best way to find your therapist insurance cost is to get a free, online quote in minutes!
How To Get The Best Therapist Liability 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 therapist liability 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.
Get the Best Therapist Insurance Today!
Don’t wait for an unexpected incident to put your therapy practice at risk. With 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
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.
What does therapist insurance cover?
Therapist insurance protects against a wide range of professional and business risks, including:
- Claims of negligence or malpractice in counseling or treatment.
- Client injuries on your premises.
- Damage to your office property or equipment.
- Employee injuries if you operate a group practice.
- Cyber threats such as hacking, ransomware, or breaches of confidential records.
By combining professional liability with general and cyber coverage, therapists can safeguard both their clients and their practice.
Does therapist insurance cover telehealth, confidentiality breaches, or licensing board complaints?
Yes! With the right coverage:
- Professional Liability typically extends to telehealth, covering claims related to remote counseling sessions.
- Cyber Liability protects against breaches of electronic health records or unauthorized data disclosure.
- License Defense Coverage (sometimes part of professional liability) may help with legal fees tied to board complaints or disciplinary actions.
As telehealth becomes more common, insurers are adapting policies to address evolving risks.
Let's Get The Best Insurance For Your Practice Today!
Get Covered
