Do speech therapists need their own insurance if they work in schools, clinics, or hospitals?

Yes. Employer coverage generally protects the organization first. Carrying your own liability insurance ensures: 

  • Personal coverage if you’re named individually in a lawsuit 
  • Protection for services outside your primary workplace 
  • Peace of mind that you’re insured even if employer policies have exclusions 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.