Liability Insurance for Counselors

Specialty liability insurance solutions tailored to your needs.
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When traditional insurers say ‘no,’ XINSURANCE says ‘let’s find a solution.'

Our liability insurance solutions for counselors and counseling programs are designed to fill the holes left by conventional insurance limits and exclusions.

What is Counselor Insurance?

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.

Who Should Have Counselor Insurance?

  • Licensed Professional Counselors (LPCs)
  • Marriage and Family Therapists (MFTs)
  • Counseling Programs
  • Clinical Social Workers
  • School Counselors
  • Substance Abuse Counselors
  • Mental Health Counselors
  • Behavioral Health Counselors
  • Counseling Psychologists
  • Group Practices
  • And More
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Counselor Insurance Coverage Options

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a therapy dog. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

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

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

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

FAQs About Liability Insurance for Counselors

Why do I need counselor insurance and is it required by law?

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.

Do I need counselor liability insurance if I work for an agency or institution?

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.

Can I get coverage for teletherapy sessions?

Yes, our counselor liability insurance solutions can offer coverage for teletherapy or telehealth services due to its growing prevalence.

How do I know if my current insurance policy has exclusions?

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.

Can I be insured if I've been dropped or rejected by an insurance company?

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.

How much does liability insurance for counselors cost?

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.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

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.

Unique Requirements are Our Specialty

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.

Built-For-You Flexibility & Dedicated Support

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.

More of Your Coverage - All In One Place

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.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

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