Therapists face both clinical and business risks. Core coverages include:
- Professional Liability (E&O) – Protects you if a client claims your advice, treatment, or care caused harm.
- General Liability – Covers accidents like slips and falls in your office.
- Commercial Property Insurance – Protects your office space, furniture, and therapy equipment from fire, theft, or vandalism.
- Workers’ Compensation – Required in most states if you employ staff; covers job-related injuries.
- Cyber Liability – Important for therapists using telehealth or digital records, covering costs of data breaches or client confidentiality exposure.
