Unique Risks We Address

Every counseling offices faces specific risks. We make sure you're covered.

Malpractice claims

Client confidentiality breaches

Duty to warn liability

Telehealth risks

Record keeping failures

Boundary violations

Supervision liability

HIPAA violations

Coverage Options

Recommended Coverage

Tailored insurance products for counseling offices operations.

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Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

Service delivery errors
Advice & counsel claims
Program failures
Referral liability

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General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

Premises liability
Operations coverage
Personal & advertising injury
Medical payments

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Cyber Liability

Protects against data breaches, ransomware attacks, and the costs of notifying affected individuals.

Data breach response
Ransomware coverage
Notification costs
Credit monitoring

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Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

Building coverage
Contents & equipment
Business interruption
Valuable papers

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Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

Medical expenses
Lost wages
Rehabilitation
Employer liability

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Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

Wrongful acts defense
Employment claims
Breach of duty
Regulatory actions

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

Is professional liability (malpractice) the most important?

Yes. Professional Liability covers claims of negligent counseling, misdiagnosis, improper treatment, and failure to refer. It's the core coverage for any counseling practice.

Does insurance cover telehealth sessions?

Most modern Professional Liability policies cover telehealth. Verify your policy includes it, especially if you counsel clients across state lines, as licensing and coverage may vary.

Do we need cyber liability for client records?

Yes. Counseling offices hold highly sensitive PHI. A data breach triggers HIPAA notification requirements. Cyber Liability covers breach response, fines, and affected client notifications.

Counseling Office Insurance

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