Speech Language Pathologist Insurance

Speech Language Pathologist Insurance

Speech-language pathologist (SLP) insurance is important for an SLP practicing in Canada, but it doesn’t need to be a hassle to find coverage. We’re here to help you find the right insurance package based on your unique services.

Zensurance - Speech Language Pathologist

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Insurance for speech-language pathologists

Speech-language pathologists (SLP) are much-needed healthcare professionals to help treat communication, speech, and even swallowing disorders in predominantly children by providing education, training, and counselling. Surprisingly, tens of thousands of school-aged children in Canada require speech therapy. As a result, speech-language pathologists are in high demand – often, they’ll have waiting lists spanning months or even years.

As an SLP, you work hard to improve the lives of their patients and their families. But there’s always a risk of an allegation of misconduct or a slip-and-fall incident for which you may be liable. Make sure your business is covered for the unexpected with adequate insurance protection.

Speech-language pathologist insurance combines several coverages to provide comprehensive protection for SLPs practicing in Canada. Generally speaking, you can expect an insurance policy to cover your business against allegations of professional malpractice, along with general liability claims and certain damage to property.

Insurance packages for speech-language pathologists will typically include the following coverages:

  • Professional liability insurance: Also referred to as errors and omissions (E&O) insurance, this policy protects your business against misconduct, negligence, and allegations that you failed to deliver a professional service as expected. For example, if a patient’s parent accuses you of neglecting to help their child’s speech impediment and sues, professional liability insurance could cover your legal fees and potential settlement costs.
  • Commercial general liability (CGL) insurance: This policy can cover you for liable events that you might encounter during your day-to-day business operations, such as third-party property damage or third-party bodily injury (e.g. a slip-and-fall). Say a child bangs their head on the corner of the coffee table in your waiting room and needs stitches, CGL could cover the related medical costs.
  • Commercial property insurance: If your physical location or business-related assets are damaged or lost during an insured event (a fire, theft, vandalism, for example), commercial property insurance can cover the related costs to repair or replace your property. Suppose your leased office was broken into and vandalized, and your office equipment were stolen. Your commercial property insurance policy could cover the cleanup costs and the costs of replacing your stolen equipment.
  • Cyber liability insurance: Cybercrime is, unfortunately, on the rise, so be sure to protect your data against the implications of a cyber-attack. For example, you open a link in a phishing email and, before you know it, clients’ financial data is breached. Cyber liability insurance may cover the costs to repair and restore your damaged software systems, and pay for legal advice and credit monitoring.
  • ​​Legal expense insurance: Should you need financial assistance for an event that’s not already covered by your insurance policies, legal expense insurance can often provide it. This policy offsets the costs of hiring and retaining legal representation during an event where legal aid isn’t covered by your commercial insurance (some examples are damage to your property or equipment, or injuries to yourself or an employee).

In general, SLPs can anticipate premiums starting at $150 per year for a professional liability insurance policy with a $2 million limit.

What your policy costs depend on your services and several factors insurance companies consider, including:

  • Business size
  • Training, education, certifications and experience
  • Annual and projected revenue
  • Services provided
  • Location of business

All speech-language pathologists practicing in Canada should cover their businesses with a speech-language pathologist insurance policy.

Ensure you’re covered adequately for your own needs, but also that you’re holding coverage that meets the minimum requirements of your province or college, if applicable.

Getting insured is quick and easy!

Complete our 5-minute online application for a free speech therapy liability insurance quote.

Common claims scenarios

kid speech therapy session

Problem: A young client isn’t progressing with their cognitive-communication disorder. The child’s parents are frustrated with the situation, mainly because their child has been held back a year in school. They decide to sue you for negligence.

Outcome: Your professional liability policy may cover your legal fees and settlement costs.

laptop left on table

Problem: Your expensive laptop is stolen from the classroom you’re working in during your lunch break.

Outcome: Your commercial property insurance policy may cover the costs to replace the laptop.

hot mug with coffee

Problem: During a session, you accidentally knock your hot coffee from your desk which lands on your client, causing second-degree burns.

Outcome: Your commercial general liability insurance policy may cover your injured client’s medical costs.

Frequently asked questions

Does speech therapy insurance provide worldwide coverage?

Certain policies, such as CGL and professional liability coverages can provide you with coverage worldwide. If you travel, or have clients from beyond Canada, ensure your business is adequately covered by talking to a licensed broker.

What are the common risks that speech pathologists face?

Any professional that offers guidance and training will tend to be more exposed to professional liability claims, such as allegations of malpractice or negligence. Ensure you have professional liability coverage to be protected.

Will my professional liability insurance cover online speech therapy services?

Yes, whether you offer services in-person or virtually, you can be covered from claims if you’re professionally liable.

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If anyone knows the importance of making things easy to understand, it’s an SLP. We believe insurance should be the same – written in everyday language to make coverage inclusive and accessible for everyone. 

If you’re looking for great coverage options, look no further by getting a free quote from Zensurance. We’ve partnered with over 50 insurance providers in Canada to offer you a range of options at the best prices.