Mental health counselors face risks ranging from client claims of negligence to data breaches tied to digital records. The most important coverages include:
- Professional liability insurance – protects you from malpractice or negligence claims tied to counseling sessions.
- General liability insurance – covers third-party injuries or property damage at your office.
- Cyber liability insurance – safeguards against breaches of electronic health records or HIPAA violations.
- Business property insurance – protects your office space, furniture, and equipment.
Together, these policies ensure your practice is covered from clinical risks, business interruptions, and compliance exposures
