FAQ_category: (HIDDEN) Industry FAQs

On average, mental health counselors pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

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

Therapist insurance protects against a wide range of professional and business risks, including: 

• Claims of negligence or malpractice in counseling or treatment. 

• Client injuries on your premises. 

• Damage to your office property or equipment. 

• Employee injuries if you operate a group practice. 

• Cyber threats such as hacking, ransomware, or breaches of confidential records. 

By combining professional liability with general and cyber coverage, therapists can safeguard both their clients and their practice. 

Yes! With the right coverage: 

• Professional Liability typically extends to telehealth, covering claims related to remote counseling sessions. 

• Cyber Liability protects against breaches of electronic health records or unauthorized data disclosure. 

• License Defense Coverage (sometimes part of professional liability) may help with legal fees tied to board complaints or disciplinary actions. 

As telehealth becomes more common, insurers are adapting policies to address evolving risks. 

On average, therapists pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs.