Looking for Counselors & Therapists Insurance?
Protect your practice from malpractice claims, patient disputes, data breaches, and liability exposure. Harper provides insurance for mental health counselors, marriage and family therapists, and behavioral health professionals, with fast certificates for licensing boards, facilities, and insurance panels.
What is Counselors & Therapists Insurance?
Counselors' and therapists' insurance protects mental health professionals from risks including malpractice claims, patient disputes, privacy violations, and premises-related incidents. Coverage commonly includes professional liability (malpractice), general liability, and cyber liability for HIPAA-related exposure. State licensing boards, facilities, and insurance panels often require proof of insurance before allowing providers to practice or be credentialed.
Professional Liability (Malpractice)
Coverage for claims alleging treatment errors, negligence, or failure to meet professional standards of care.
HIPAA & Cyber Coverage
Protects against data breaches, unauthorized access to patient records, and HIPAA-related notification or regulatory expenses.
Office Liability Coverage
Covers patient injuries or property damage occurring at your practice location.
Certificates
Fast proof of insurance for licensing boards, facilities, credentialing, and insurance panels.
Who Needs Counselors & Therapists Insurance?
- Licensed professional counselors : Businesses requiring specialized insurance coverage
- Marriage and family therapists : Businesses requiring specialized insurance coverage
- Clinical social workers : Businesses requiring specialized insurance coverage
- Behavioral and mental health specialists : Businesses requiring specialized insurance coverage
Why Harper?
Mental Health & Therapy Expertise
Therapy and counseling practices face unique professional and regulatory exposure. Harper understands the risks associated with clinical decision-making, documentation, patient outcomes, and privacy requirements, and offers coverage designed specifically for mental health professionals.
Fast Proof for Licensing & Credentialing
Licensing boards, insurance panels, and facilities often require malpractice coverage before approving credentials or privileges. Harper delivers accurate certificates quickly to support licensing, credentialing, and renewals.
Clear, Practical Guidance
We explain professional liability, cyber coverage, and HIPAA-related requirements in clear terms so you understand how these coverages protect your practice and patient relationships.
Coverage Matched to Your Practice
Whether you provide individual therapy, couples counseling, group therapy, or specialized behavioral health services, Harper helps align coverage with your practice's operations.
Frequently Asked Questions
What insurance do therapists need?
Most therapists need professional liability (malpractice) insurance to protect against treatment-related claims. General liability covers injuries in the office, and cyber liability covers HIPAA-related data exposure. Some practitioners also consider business overhead or disability coverage for income protection.
Is therapist insurance required?
Yes. State licensing boards and insurance panels typically require malpractice coverage. Facilities and office landlords often require liability insurance as part of lease or privilege agreements.
How much does therapist insurance cost?
Costs depend on licensure, services, and practice structure. Solo therapists often pay $500–$1,500 annually for malpractice coverage, while group practices may pay $2,000-$6,000 or more, depending on provider count and specializations.
Does insurance cover patient suicide?
Professional liability coverage may apply to claims related to patient suicide when proper assessment, documentation, and intervention procedures were followed, subject to policy terms and exclusions.
Does insurance cover HIPAA violations?
Cyber liability coverage can cover HIPAA breach notification costs, regulatory fines, legal defense costs, and certain remediation expenses related to privacy violations.
Can I add facilities as additional insureds?
Yes. Office landlords and practice facilities may require being added as additional insureds, and Harper assists with certificates and endorsements to ensure compliance.