Counsellor Insurance

Counsellor Insurance

Counsellor Insurance is a must for Canadian counselling professionals who provide advice to individuals.

If a client is unsatisfied they could file a lawsuit alleging malpractice or negligence.

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Zen Man protected by Counsellor Insurance

What is Counsellor Insurance?

As a counselling practitioner you provide professional guidance that can greatly improve people’s lives but also exposes you to liability in case of real or alleged errors or malpractice.

Counsellor Insurance is the basis of your risk management program as a counselling professional.


What does Counsellor Insurance cover?

This insurance covers most types of counsellors. When getting a policy check that you have coverage for:

  • Professional Liability (Negligence)
  • Unintentional Breach of Confidentiality
  • Unintentional failure to refer to Healthcare Service Provider
  • Loss of Documents or Personal Information

Who needs Counsellor Insurance?

If you advice people at an emotional or  mental health level, you should consider counsellor insurance.

Some specific counsellor professionals we cover are:


What is the cost of Counsellor Insurance?

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

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

Getting insured is quick and easy!

If counsellor insurance is what you need, request a free quote now

Common scenarios where Counsellor Insurance is useful

Patient with pictures
You try to treat a client for repressed memories without suitable experience in the required technique. The client later sues you claiming that your treatment lead to the development of false memories.
Therapy Session
As a counsellor, you failed to take adequate notes of what was discussed in the therapy sessions, leading to negligence in your service.
Patient breakdown
Before recommending treatment to a client, you failed to take into account his history of mental illnesses and your recommendation is deemed to be out of context and negligent.

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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