Mental Health Practitioner Insurance

Mental Health Practitioner Insurance

Comprehensive coverage for mental health professionals to shield them from the risks they face.

Zensurance - Mental Health Professional

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mental health counsellor

Insurance for mental health professionals

Mental health practitioners aid and support emotional wellness. Caring for and supporting others’ mental and emotional wellbeing comes with several challenges and risks. Liability insurance for mental health professionals is an integral aspect of protecting them and the important work they do.

Mental health liability insurance is a policy made specifically to protect those who support the mental wellbeing of their patients. This policy consists of several types of insurance that form a robust coverage plan, the most notable being professional liability insurance.

  • Professional Liability Insurance: Also known as errors and omissions insurance, professional liability insurance is the primary insurance coverage for the mental health practitioner. It can provide financial protection for claims of negligence or failing to deliver a service as promised. For example, you recommend a treatment plan to a patient who claims your professional opinion made matters worse. They decide to sue you for negligence. Your professional liability insurance may cover your legal fees defending yourself.

Mental health professionals should consider a comprehensive coverage plan tailored to protect you and your business from unforeseen risks. Along with professional liability insurance, mental health professionals should consider the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL, also commonly referred to as “slip-and-fall” insurance, protects you and your business against claims of third-party bodily injury and property damage. It protects your business from everyday mishaps by providing financial help for unforeseen accidents.
  • Commercial Property Insurance: Commercial property insurance can assist with financial support for physical loss or damage to your property. It applies whether your business is out of your home or an external location. Commercial property insurance covers insured perils, such as theft, flood, fire, vandalism, or extreme weather.
  • Cyber Liability Insurance: As a mental health practitioner, you most likely have sensitive patient information stored on a computer or in the cloud. Cyber liability insurance protects you if your technology systems are breached or hacked.

There are several factors insurance providers consider when determining how much a mental health liability insurance policy costs. These include:

  • The services you offer
  • Your business location
  • Years of experience and certifications
  • Your insurance claims history
  • Your annual gross and projected revenue
  • The value of your assets and property

Mental health counsellors can take every precaution and still be vulnerable to risks. A patient may claim you have breached confidentiality, blame you for their lack of wellness, or for hurting themselves or others. A wide array of mental health professionals can benefit from insurance protection, including:

  • Therapists
  • Psychiatrists
  • Psychologists
  • Clinicians
  • Clinical social workers
  • Mental health nurses
  • Family nurse practitioners
  • Psychiatric pharmacist
  • Certified peer specialists
  • Social workers
  • Pastoral counselors

Getting insured is quick and easy!

Complete our 5-minute online application for a free mental health professional liability insurance quote.

Common claims scenarios

therapist and client inside clinic

Problem: A patient decides to sue you because they think they have not made progress during the course of your treatment.

Outcome: Your professional liability insurance may cover the cost of your legal fees and any compensation awarded to the plaintiff by the court.

Problem: After an appointment, a patient makes their way to the exit and slips and falls on the way out.

Outcome: Your commercial general liability insurance may cover your patient’s medical expenses.

counsellor checking email on phone

Problem: You receive an email with a link, and after clicking it, your computer gets hacked. All the information on your patients have disappeared. Upon notifying your patients, a few of them decide to sue you.

Outcome: Your cyber liability insurance may cover the cost to repair and restore your software systems, provide access to legal advice, and credit monitoring services.

Frequently asked questions

Will insurance apply to those who facilitate group support meetings, drug rehab services, or other community based programs?

Yes. Liability insurance can protect any person who facilitates the healing of anyone who is trying to elevate their mental health and wellness.

Does mental health counsellor insurance apply to professionals who use alternative or holistic treatment plans?

Yes. As long as you are someone who assists with the mental wellbeing of others, this insurance policy is an important part of protecting you and your business.

Does mental health liability insurance cover practices that operate solely online?

Yes. Your insurance coverage will protect you even if your business is completely online.

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Mental health practitioners play an integral role in public health and wellbeing. Likewise, take care of your professional and financial wellbeing and get a customized insurance policy that protects you and your business.