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Tailored Insurance for THERAPISTS

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Therapist Insurance

As a therapist you offer a specialized service to help improve your client’s mental health, quality of life and happiness. Every work day for you is different – different from the last, and different from the days of other therapists. We understand this “differentness” and this is why the therapist insurance offered by Hiscox is customized to your specific needs. We cover a range of professions, including (but not limited to):


Family Counselors

Occupational Therapists



Marriage Counselors

Social Workers

Mental Health/Substance Abuse Counselors

Speech Therapists


Professional liability insurance

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that provide professional and personal services – businesses like yours. No matter how studied you are mistakes can be made. Here are two examples that, if they occurred, would wreck financial havoc on a therapists small business or private practice.

  • Injured child:  As a licensed counselor you are working with the child of a foster family. You underestimate a possibly abusive situation, and you fail to report the family to the department of child and family services. The child is injured so badly that he needs to be hospitalized, and the state sues you on the child’s behalf for failure to report the abuse. Professional liability insurance (errors and omissions insurance) protects you if such a claim is made.
  • Emotional couple:  A couple has been seeing you as a marriage therapist for months seeking counseling to rectify problems in their marriage. During a recent meeting the couple tells you that the counseling sessions are not doing any good, and they are headed for divorce. They blame you and say that you should have seen the signs of divorce earlier and the couple threatens to sue you for professional negligence. Professional liability insurance(errors and omissions insurance)  protects you against claims of negligence even if you haven’t made a mistake.

You need to know that you can be sued for negligently performing services even if you haven't made a mistake. Professional liability protects you in these instances.


Learn more about professional liability insurance, or start an easy online quote.


General liability insurance

  • Damage to your landlord’s property:  As a therapist, you rent a small office. You have lit candles in the treatment room and one of them is knocked over and catches fire. The landlord sues you for fire damage to that space as well as water damage to the adjacent spaces because the sprinklers turned on. General liability insurance protects you against third-party claims for property damage, to the extent you are liable up to your policy limits.
  • Bodily injury:  A client is on her way to her car in the parking lot of your building and trips on the front steps injuring herself. General liability insurance protects you against third-party claims for bodily injury, to the extent you are liable, and related medical costs.

Learn more about general liability insurance. Ready to proceed? Get a quote!


Why Hiscox?

You need professional liability and general liability coverages to watch out for your practice, just like you watch out for your clients. Hiscox is here to do just that.

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Tailored insurance: Insurance custom tailored to meet your needs and save you money
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  • Trust your choice: Hiscox maintains a 97% customer satisfaction ranking, and we’re rated ‘A’ (Excellent) by A.M. Best.


This overwhelming majority of our insureds are confident in recommending us to their circles – which means they’re more confident operating their businesses with Hiscox behind them. Get a fast, free quote now and get that Hiscox confidence behind your business, too.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


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