Why Do You Need Therapist Insurance?
Our therapist insurance helps protect your practice against common risks you face daily, giving you the coverage you need to work confidently.
Who Needs Therapist Insurance?
Our insurance solutions can help protect a variety of therapists and counselors. Some examples include:
- Licensed therapists
- Marriage and family counselors
- Mental health professionals
- Psychotherapists
- Social workers
- Speech therapists
- Physical therapists
What Type of Insurance Do I Need for My Therapy Practice?
As a therapist, you face risks on the job every day. From client lawsuits to property damage, you never know when the unexpected may happen. To keep your business protected, having a Business Owner’s Policy (BOP) is a good start. Most therapists choose this coverage because of what it provides.
A BOP can help protect your practice from claims of property damage or bodily injury. It combines three essential types of coverage into a single policy:
- General liability insurance
- Commercial property insurance
- Business income insurance
Every practice is unique, so we’ve made it easy for you to add different types of coverage to a BOP for more protection.
How Much Does Liability Insurance for Therapists Cost?
The cost of liability insurance for therapists varies, but you can expect average rates such as:**
- BOP: $1,687 a year, or about $141 a month
- Standalone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or about $86 a month
Proof of Insurance, Whenever You Need It
No matter when or where you need it, your proof of insurance is just a click away.
General Liability Insurance
“During one of our sessions, a client tripped over a rug in the waiting room and injured her wrist.”
General liability insurance helps cover claims that your therapy practice caused bodily injury or property damage to someone else.
Data Breach Insurance
“One of my therapists lost their laptop, which had her client notes, payment details and other confidential information stored on it.”
Data breach insurance can help your business respond if personal health information (PHI) or personally identifiable information (PII) gets lost or stolen. This can be due to a breach or lost equipment.
Workers’ Compensation Insurance
“One of my therapists started experiencing severe back pain from sitting through back-to-back sessions. She had to take time off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical care bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Commercial Auto Insurance
“I have a company car because I travel to different offices to meet with clients. On my way to one of my weekly sessions, there was a lot of traffic and I accidentally rear-ended someone.”
Commercial auto insurance can help cover property damage and bodily injury claims if you get into an accident while driving a business-owned vehicle for work.
Business Income Insurance
“A fire broke out in our building, forcing us to close for repairs. I couldn’t see any patients while the building was closed, so I had to try to reschedule as many people as I could.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate due to covered property loss.
Commercial Property Insurance
“A big storm with a lot of wind ended up damaging part of our building and breaking a few windows.”
Commercial property insurance helps protect your business' physical assets, such as equipment, furniture and personal property from loss or damage caused by covered claims like storms, fires or vandalism.
Therapist Insurance That’s as Dedicated as You Are
Get the protection you need to support your patients and your practice.
Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
1 U.S. Centers for Disease Control and Prevention: National Center for Health Statistics, “All Injuries”
2 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being"
3 National Fire Protection Association (NFPA), "Fire Loss in the United States"
Additional disclosures below.