{"id":2587,"date":"2021-12-20T11:43:26","date_gmt":"2021-12-20T11:43:26","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=2587"},"modified":"2024-10-24T13:27:01","modified_gmt":"2024-10-24T13:27:01","slug":"what-types-of-insurance-do-mental-health-professionals-need","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/what-types-of-insurance-do-mental-health-professionals-need","title":{"rendered":"What types of insurance do mental health professionals need?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2021\/12\/mental-health-counsellors.png\" alt=\"Man on couch talking to woman sitting on chair illustrating types of insurance mental health counselors need\" class=\"wp-image-2584\" srcset=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2021\/12\/mental-health-counsellors.png 600w, https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2021\/12\/mental-health-counsellors-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Mental health professionals need two types of insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#PL\" target=\"_blank\" rel=\"noreferrer noopener\">Professional liability insurance<\/a> \u2013 for mistakes and client complaints<\/li>\n\n\n\n<li><a href=\"#GL\" target=\"_blank\" rel=\"noreferrer noopener\">General liability insurance<\/a> \u2013 for personal injuries and property damage.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>But there\u2019s other coverage you might want too. It depends on the way you run your business.<\/p>\n\n\n\n<p>If you employ anyone, for example, you\u2019ll need <a href=\"#workers-comp\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 compensation insurance<\/a>. And <a href=\"#cyber\" target=\"_blank\" rel=\"noreferrer noopener\">cyber insurance<\/a> is vital if you use email, own a website, or transfer money online.<\/p>\n\n\n\n<p>We\u2019ll cover those policies later in this post. First, let\u2019s talk about <a href=\"https:\/\/www.insurancebee.com\/mental-health-counselor-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">liability insurance for mental health professiona<\/a>ls, what it covers, and why you need it.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"PL\">Professional liability insurance \u2013 why mental health counselors need it<\/h2>\n\n\n\n<p>As a therapist you handle people at their most vulnerable. Clients come to you trusting you\u2019ll help them through the personal challenges they\u2019re facing. But the trouble is, you\u2019re vulnerable too.<\/p>\n\n\n\n<p>It could be a client who thinks you overstepped your professional boundaries. Or one who simply didn\u2019t like the advice you gave them. Either way, before you know it, you\u2019re facing a legal claim.<\/p>\n\n\n\n<p>Now, cases like these don\u2019t have to hold water to have a major financial impact on a small counseling practice. Even if a lawsuit is dismissed, you\u2019ll still have legal fees to pay. And if the case doesn\u2019t go your way, you\u2019ll have to cover court costs and compensation too.<\/p>\n\n\n\n<p>Of course, there are steps you can take to reduce the risk of malpractice claims:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Properly evaluate a client\u2019s history<\/li>\n\n\n\n<li>Document every client session with adequate notes<\/li>\n\n\n\n<li>Stay up to date on your state\u2019s standard of care<\/li>\n\n\n\n<li>Manage client expectations and refer them if they need treatment outside your scope<\/li>\n\n\n\n<li>Establish and maintain professional boundaries.<\/li>\n<\/ul>\n\n\n\n<p>But even with these measures in place, you should still carry professional liability insurance. Why? Because clients pay you for counseling. And that means you can be sued, even if you did nothing wrong.<\/p>\n\n\n\n<p>Whether there are grounds for a case or not, <a href=\"https:\/\/www.insurancebee.com\/professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional liability insurance<\/a> can take care of the cost of claims you were negligent or failed in your duty of care. It means you can get on with looking after your clients\u2019 well-being without worrying about your own.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Professional liability insurance for mental health professionals \u2013 what it covers<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.insurancebee.com\/professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Professional liability insurance<\/a> covers you, your employee, intern, or volunteer, for claims of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Negligence \u2013 (you failed in your duty of care, made a mistake, gave the wrong advice, or didn\u2019t deliver what you promised)<\/li>\n\n\n\n<li>Libel or slander<\/li>\n\n\n\n<li>Sexual misconduct and abuse (up to $200,000).<\/li>\n<\/ul>\n\n\n\n<p>As well as your legal defense fees, it can pay court costs and compensation, plus up to $5,000 for expenses.<\/p>\n\n\n\n<p>But professional liability coverage doesn\u2019t stop there. If you accidentally lose sensitive client data, your policy can pay up to $25,000 towards an HIPAA fine. And up to $5,000 if you find yourself facing disciplinary action.<\/p>\n\n\n\n<p>What\u2019s more, as long as you\u2019ve had continuous cover previously, you can protect yourself from claims made by past clients too. Just agree on the date you want your policy to go back to when you buy it.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"GL\">General liability insurance &#8211; why mental health professionals need it<\/h2>\n\n\n\n<p>It\u2019s simple. You need <a href=\"https:\/\/www.insurancebee.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">general liability insurance<\/a> because accidents happen and legal claims are costly.<\/p>\n\n\n\n<p>That coffee table you carefully positioned as a reminder of the appropriate boundaries between therapist and patient. It\u2019s also there for patients to put their personal belongings on, isn\u2019t it?<\/p>\n\n\n\n<p>But what if you accidentally spill your coffee on a client\u2019s new smartphone? Or laptop? Or designer purse? They\u2019re all expensive items to replace.<\/p>\n\n\n\n<p>Or what if a client trips over the coffee table and requires hospital treatment for a broken ankle? He then has to take two months off work and needs physical therapy too. Could you afford to pay his medical bills and replace his lost wages if he sues you for compensation?<\/p>\n\n\n\n<p>General liability insurance can cover the costs of claims you damaged someone\u2019s property or caused them injury. Regardless of fault. It means you can focus on helping your clients work through their issues, without worrying a minor slip-up will turn into a major issue for you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">General liability insurance \u2013 what it covers<\/h2>\n\n\n\n<p>G<a href=\"https:\/\/www.insurancebee.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">eneral liability insurance<\/a> can cover you and anyone you employ (including temp staff and volunteers) for:<\/p>\n\n\n\n<p>\u2022 Claims of accidental damage to someone or their property, including fire damage at premises you rent and accusations of slander or libel<\/p>\n\n\n\n<p>\u2022 Medical bills, repairs and replacement costs, legal fees, and compensation, no matter who\u2019s at fault<\/p>\n\n\n\n<p>\u2022 Up to $250 a day to help with extra expenses and loss of earnings while a claim\u2019s being settled.<\/p>\n\n\n\n<p>It also covers claims made worldwide, as long as they\u2019re filed in the US or a US territory.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What other insurance do mental health professionals need?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"workers-comp\">Workers\u2019 comp insurance<\/h3>\n\n\n\n<p>If you have any employees \u2013 even if it\u2019s only one \u2013 <a href=\"https:\/\/www.insurancebee.com\/workers-compensation-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 comp insurance<\/a> is required in most states. It\u2019s definitely worth checking with your state\u2019s Department of Labor, as penalties can be pretty severe.<\/p>\n\n\n\n<p>It\u2019s a good policy to have anyways. It protects you from the cost of employee claims for injury or illness. And can pay for medical bills, lost wages, and lawsuit costs, if you get sued.<\/p>\n\n\n\n<p>You may choose to skip this policy if you practice solo. That said, there are good reasons why sole proprietors need workers\u2019 compensation coverage. It takes the pressure off your health insurance for one.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cyber\">Cyber insurance<\/h3>\n\n\n\n<p>You might think you don\u2019t need <a href=\"https:\/\/www.insurancebee.com\/cyber-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">cyber insurance.<\/a> After all, why would hackers bother with a small counseling practice? Sadly, you\u2019re wrong.<\/p>\n\n\n\n<p>As small businesses have less cash to spare for tough cyber defenses, they\u2019re an easy target. And these days hackers don\u2019t just hold your website to ransom. Email and wire transfer fraud are on the increase.<\/p>\n\n\n\n<p>If you use email, own a website, or transfer money online, you need cyber insurance. It doesn\u2019t just give you the financial resources to recover from an attack. You get 24\/7 tech support so you\u2019re back on your feet and in business again, fast.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much does liability insurance for mental health professionals cost?<\/h2>\n\n\n\n<p>Our professional liability insurance starts from as little as $22.50 a month. A general liability policy from $42. But insurance costs do vary from business to business.<\/p>\n\n\n\n<p>The price you\u2019ll pay will depend on things like:<\/p>\n\n\n\n<p>\u2022 The size of your practice<br>\u2022 Where it\u2019s located<br>\u2022 The limits you select.<\/p>\n\n\n\n<p>Choosing a higher deductible (the amount you pay towards the cost if there\u2019s a claim) may reduce your premium. Just be sure you could afford that figure if it comes to it.<\/p>\n\n\n\n<p>Whatever the cost, there\u2019s a package to suit your particular needs. There are payment options, too. Spread the cost with monthly payments or pay in one lump sum. Whatever works best for you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mental health counselor insurance quotes<\/h2>\n\n\n\n<p>If you\u2019re ready to get a quote, you can <a href=\"https:\/\/www.insurancebee.com\/getaquote\" target=\"_blank\" rel=\"noreferrer noopener\">quote online now<\/a>. It\u2019ll only take a couple of minutes.<\/p>\n\n\n\n<p>But if you\u2019re still not sure which mental health counseling insurance policies you need, you\u2019ll find more information <a href=\"https:\/\/www.insurancebee.com\/mental-health-counselor-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">on our website.<\/a> Or call us at 978.344.4215. We\u2019ll be happy to talk your options through with you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mental health professionals need two types of insurance: But there\u2019s other coverage you might want too. It depends on the way you run your business. If you employ anyone, for example, you\u2019ll need workers\u2019 compensation insurance. And cyber insurance is &hellip; <a href=\"https:\/\/www.insurancebee.com\/blog\/what-types-of-insurance-do-mental-health-professionals-need\">Read more&#8230;<\/a><\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,1],"tags":[11,8,7],"class_list":["post-2587","post","type-post","status-publish","format-standard","hentry","category-small-business-insurance","category-uncategorized","tag-errors-and-omissions-insurance","tag-general-liability-insurance","tag-professional-liability-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>What types of insurance do mental health professionals need?<\/title>\r\n<meta name=\"description\" content=\"Protect your practice with the right mental health professionals&#039; insurance. 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