Counsellor Insurance

Counsellor Insurance

Counsellor Insurance protects counselling professionals from the risks associated with delivering services and advice.

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What is Counsellor Insurance?

Counsellor Insurance is a policy package designed to protect counselling professionals from claims and lawsuits associated with their professional services and business practices.

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Coverage

What does Counsellor Insurance cover?

A comprehensive Counselor Insurance policy package will typically include:

Errors and Omissions Insurancealso known as Professional Liability Insurance, which provides financial coverage for individual practitioners against claims alleging negligence and malpractice. As a professional, you are required to carry E&O coverage to cover professional liability.

Cyber Liability Insurance is critical for counsellors storing client information. This policy provides financial protection against network security and privacy issues, such as a data breach. It also covers damage to computer and data infrastructure systems.

Requirements

Who needs Counsellor Insurance?

Any professional providing counseling services in-person or virtually should protect themselves with a Counsellor Insurance policy package.

Some specific counsellor professionals we cover include:

Costs

What is the cost of Counsellor Insurance?

For an Errors and Omissions policy with a $1M limit, anticipate spending between $350 – $500 a year.

The cost of your Counsellor Insurance policy package is based on factors such as services offered and the number of employees.

The cost of a policy varies according to factors such as:

  • Operation size
  • Location
  • Experience in the field
  • Past insurance claims
  • Training and education

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If Counsellor Insurance is what you need, request a free quote now!

Common scenarios where Counsellor Insurance is useful

Patient with pictures

Problem: You are treating a client for repressed memories without suitable experience or training in the required technique.

Outcome: Your client sues you claiming that your treatment led to emotional distress. Your E&O Insurance covers the legal fees and monetary judgment, totaling $44,000.

Therapy Session

Problem: A cyber hacker steals confidential client data, including financial information.

Outcome: Your Cyber Liability Insurance covers the cost to restore your data system, while your Cybercrime Insurance policy covers notification and reimbursement cost, totaling $185,000.
Patient breakdown

Problem: You fail to take proper account of a client’s health history, resulting in inappropriate recommendations and treatment.

Outcome: Your client’s family sues you for negligence. Your E&O Insurance covers the subsequent legal fees and monetary judgment, totaling $56,000.

Frequently Asked Questions about Counsellor Insurance

What is the difference between a counsellor and a therapist and do these professions have different insurance needs?

The terms are broadly interchangeable and may refer to the same practitioner. Generally, counsellor refers to a practitioner who is treating a client over a short period of time (for e.g. to treat negative behavior patterns). Therapist, on the other hand, can be used to refer to the same practitioner when she is treating a client over a long time period (for e.g. therapy sessions for deep-seated or complex psychological issues). Regardless of what the professional designation is, Counsellor Insurance is important to protect the practice.

Do counsellors need both malpractice coverage and professional liability coverage?

Malpractice coverage is a type of Professional Liability coverage that applies to counsellors and therapists. Medical health practitioners such as therapists and counsellors deal with patients that may have a complex history of mental health. As with other medical services, mental health treatment and consultation are highly susceptible to negative outcomes due to negligence. Your Counsellor Insurance policy will usually include malpractice coverage in addition to other important coverages.

Are counsellors who work from home protected by their Home Insurance policy?

A counsellor or therapist is not protected by her Home Insurance if she conducts counselling or therapy sessions at home. At the minimum, counsellors and therapists may consider purchasing General Liability Insurance to protect themselves from being held liable for bodily injuries and property damage to third parties, and Commercial Property Insurance to protect the space and contents of their home being used for commercial purposes.

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