Do I need professional liability insurance as a therapist, and what does it protect me from? 

Yes, professional liability is a must-have for any therapist or counselor. It protects you if a client claims that your counseling caused: 

  • Emotional distress or harm 
  • Misdiagnosis or failure to diagnose 
  • Breach of confidentiality 
  • Improper treatment methods 

Even if a claim has no merit, defense costs can be significant. Professional liability ensures you’re not paying legal fees out of pocket and helps protect your reputation and livelihood. 

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.