Our liability insurance solutions for counselors and counseling programs are designed to fill the holes left by conventional insurance limits and exclusions.
Counselor insurance is crucial for both individual counselors and counseling programs, providing professional liability coverage for legal claims related to their services. It protects against allegations of negligence, covering legal costs and damages up to policy limits, ensuring that counseling practices can operate without the financial risks associated with potential lawsuits. This insurance is a safeguard for the counseling field, maintaining the stability and focus on providing care.
True peace of mind comes from knowing you’re backed by a partner like XINSURANCE, who recognizes the challenges you face and is committed to standing with you when things go wrong. Our focus is on delivering what we call TRU insurance—a genuine assurance that emphasizes the right coverage over the cheapest options, ensuring you have protection that is as steadfast as your commitment to your clients. With XINSURANCE, you’re choosing a partner that defends your interests, believes in fair resolution, and remains unyielding in support, whether you face a claim or simply seek counsel on mitigating potential risks.
Coverage for claims regarding negligent acts and more. Learn more.
Provides coverage for injuries and property damage sustained by third parties.
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Liability protection in the event of an active shooting taking place on company property. Learn more.
Coverage for claims against you regarding assault and/or battery.
Coverage for claims against you regarding sexual abuse and/or molestation.
Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a therapy dog. Learn more.
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Protects against claims for slips, trips, and falls on the property due to negligence.
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Liability protection against claims made from a riot or civil commotion.
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We’ll schedule a call with you to consult on your needs, and collect more details
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
Counselor insurance is essential for protecting your financial wellbeing and professional reputation against claims related to your counseling services. While not always legally required, many states and professional associations mandate having some form of professional liability insurance to practice.
Yes, even if you’re employed by an agency or institution, having your own liability insurance is crucial as the employer’s policy may not fully cover you or could have gaps in coverage.
Yes, our counselor liability insurance solutions can offer coverage for teletherapy or telehealth services due to its growing prevalence.
You have to read the fine print! Many insurance policies have gaps and exclusions that are leaving you exposed. We’d be happy to review your policy for you to identify those gaps and exclusions. Upon review, we may offer solutions that will get you the coverage you need.
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
The cost of liability insurance for counselors varies based on factors like the counselor’s practice size, the experience of the counselor, the location, the clientele, and the specific risks covered. It is best to contact us and tell us more about you and your insurance needs so we can provide a custom quote.
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.