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Harper is a commercial insurance brokerage that specializes in two things:
Getting better rates on complete packages for businesses of all sizes.
Covering the complex cases that make other brokers run away.
Industry-Specific Expertise
Our insurance professionals understand therapy practice operations, including client confidentiality requirements, ethical standards, licensing regulations, and professional boundaries specific to mental health counseling and therapeutic services.
Comprehensive Risk Assessment
We evaluate your entire practice - from client interaction protocols and documentation procedures to office security and telehealth operations - ensuring all potential professional exposures receive proper coverage protection.
Competitive Mental Health Solutions
Harper works with carriers specializing in mental health professional risks to secure coverage that fits your budget while providing adequate protection for your unique therapeutic practice exposures.
Professional Claims Support
Our team understands that mental health professional claims require sensitive handling due to client welfare and professional reputation considerations. We provide expert guidance throughout the claims process while protecting therapeutic relationships.
Mental health professionals face unique challenges every day. From client confidentiality to professional liability claims, Harper Insurance understands the complex risks that counselors and therapists encounter while providing essential mental health services, maintaining therapeutic relationships, and adhering to ethical standards.
Our comprehensive therapy practice insurance policies are specifically designed for licensed therapists, counselors, psychologists, and mental health service providers. Whether you operate a solo practice or manage a group therapy clinic, we provide tailored coverage solutions that protect your professional practice, client relationships, and mental health services.
Critical protection against allegations of professional negligence, boundary violations, improper treatment, and failure to prevent client harm. Covers legal defense costs and settlements from professional service delivery claims.
Protects against client injuries and property damage occurring in your office. Essential coverage for slip-and-fall accidents, premises liability, and third-party injury claims during therapy sessions and office visits.
Protects against data breaches affecting client records, therapy notes, and HIPAA-protected health information stored in practice management systems and electronic health records platforms.
Covers office equipment, furniture, computers, and business personal property. Protects against theft, fire, vandalism, and natural disasters that could disrupt your practice operations and client services.
Protection against wrongful termination, discrimination, and harassment claims involving practice staff. Essential for group practices with employees and administrative personnel.
Replaces lost income and covers ongoing expenses when covered property damage prevents practice operations. Helps maintain cash flow during office repairs or unexpected practice closures.
Specialized protection against allegations of sexual misconduct or inappropriate behavior with clients. Essential coverage for all mental health professionals due to the nature of therapeutic relationships.
Enhanced coverage for online therapy services including technology failure protection, interstate licensing compliance, and specialized liability coverage for remote mental health service delivery.
Individual Therapy Practices
Comprehensive protection for solo practitioners providing individual counseling, psychotherapy, and specialized therapeutic services with tailored coverage for independent practice operations.
Group Therapy Practices
Enhanced coverage for multi-therapist practices including shared liability protection, employee coverage, and specialized group practice operational protections with comprehensive staff coverage.
Marriage & Family Therapy
Specialized protection for couples and family therapists including relationship counseling liability, family dispute involvement, and enhanced professional boundary coverage for family system work.
Child & Adolescent Therapy
Additional protection for therapists working with minors including mandated reporting coverage, parental consent issues, and specialized liability for child and adolescent mental health services.
Substance Abuse Counseling
Enhanced coverage for addiction counselors and substance abuse treatment providers including specialized treatment liability and recovery program professional protection coverage.
Telehealth & Online Therapy
Comprehensive protection for virtual therapy platforms including technology liability, cross-state licensing coverage, and specialized online mental health service delivery protection.
Professional Liability Exposures
Allegations of inadequate treatment, boundary violations, breach of confidentiality, failure to prevent client harm, and professional negligence claims arising from therapeutic relationships and clinical decisions.
Confidentiality & Privacy Risks
HIPAA violations, unauthorized disclosure of client information, data breaches affecting therapy records, and privacy violations that can result in regulatory penalties and client trust issues.
Documentation & Record-Keeping Issues
Inadequate clinical notes, missing treatment plans, documentation errors, and record-keeping failures that can complicate treatment and create professional liability exposures.
Client Safety Concerns
Suicide assessment failures, duty to warn situations, mandated reporting obligations, and crisis intervention decisions that can result in professional liability and ethical violations.
Technology & Telehealth Risks
Platform security breaches, technology failures during sessions, interstate licensing violations, and online therapy service delivery issues affecting client care and regulatory compliance.
Boundary & Ethical Violations
Dual relationship allegations, inappropriate therapeutic boundaries, gift acceptance issues, and ethical standard violations that can result in licensing board investigations and malpractice claims.
Protect your therapy practice with comprehensive coverage designed for your profession. Our experienced agents understand mental health professional risks and will work with you to build a protection plan that covers your specific practice, clients, and professional responsibilities.
Key Benefits of Working with Harper:
Ready to protect your counseling practice? Contact Harper Insurance today for a comprehensive quote tailored to your therapy operations and mental health service requirements.