Counselor and Therapist Insurance in Tennessee

Common risks for counselors and therapists

• Claims that treatment caused harm
• Privacy breaches of client records
• Licensing board complaints
• Slips in your office
• Telehealth issues

Coverages counselors and therapists often consider

• Professional liability (E&O) Ask whether the policy includes licensing board defense.
• Cyber liability Helps respond to data breaches, ransomware, and payment fraud, including notifying customers.
• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Business owner’s policy (BOP) Bundles general liability with coverage for your business property, and often business income, for many smaller businesses.

Not every business needs every coverage. The right mix depends on your work, your contracts, and your budget. All coverage is subject to underwriting and the terms of the policy.

What a claim could look like

For example, imagine a former client files a complaint with your licensing board, and you need an attorney to respond. Some professional liability policies include defense for board complaints, subject to policy terms.

This is a hypothetical example for education only. Whether any claim is covered depends on the facts and your policy terms.

Tennessee rules to know

Licensing. If your work requires a state or local license or permit, check with the licensing board or office for any insurance or bonding rules. We can help you meet whatever they require.

We can review your requirements and help you shop workers’ compensation and the other coverages above with carriers that write counselors and therapists, subject to underwriting.

Certificates of insurance

Landlords and group practices often require certificates.

A certificate of insurance shows your coverage on the day it’s issued. If a contract asks for additional insured status or a waiver of subrogation, the policy usually needs an endorsement, not just a line on the certificate. Our certificate of insurance checklist walks through what to check.

What affects the cost

• The type of work you do and how it’s classified
• Annual revenue and payroll
• Number of employees and any subcontractors
• Where you work and the value of your equipment or property
• The limits and deductibles you choose
• Your claims history and years in business

We can’t promise a price ahead of time, but we can compare options and explain the trade-offs in plain English.

How Eric can help counselors and therapists

Caregivers and counselors serving families in Nashville, Gallatin, Lebanon, and Fairview often travel between homes, so auto and professional coverage matter. As an independent agent affiliated with Hutsenpiller Insurance, Eric can review what you have, read your contract requirements with you, and help you shop options with more than one carrier. See how an independent agent works for you.

Related guides

• Health and Care Services Business Insurance in Tennessee
• All business types we can help
• Business insurance in Middle Tennessee
• General liability insurance
• Business owner’s policy (BOP) 101
• Certificates and additional insureds explained
• Business interruption insurance
• General liability vs. professional liability
• Small business insurance checklist (PDF)
• Certificate of insurance checklist (PDF)