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What is counsellor insurance?

It is a policy meant for professionals who provide counselling on social, personal and psychological issues. Some of the most common examples of professionals in this field include:

Whether you have your own private practice or offer services via another organization (e.g., a clinic), insurance can be indispensable. That’s because insurable incidents can occur at any moment. They can happen while you’re just starting out or after decades of practice without an incident. They can happen with clients you least expect and in least expected circumstances. Regardless of how, when or where, incidents can cost you a lot of money – so much so that they can financially ruin your practice.

So, instead of one day being with a lawsuit costing hundreds of thousands of dollars, invest a tiny fraction of that into insurance each year.

What counsellor insurance includes

Counsellor insurance should include the following coverages:

Recommended add-ons for counsellor insurance coverage

If you want to get more protections out of your policy, consider adding the following:

Common types of counsellor insurance claims

To better understand how insurance can protect your counselling practice, here are examples of some of the most common claims filed in this industry:

How much does counsellor insurance cost?

There are multiple factors that can impact counsellor insurance. However, given that many counsellors operate on their own, you can expect your insurance to start at around $500 per year. Most single-person businesses shouldn’t pay more than $2,500 per year. That said, your claim history, the type of practice you run, your experience and multiple other factors can all affect your yearly rate. Generally, the more risk your practice poses, the more you’ll pay in premiums.

If you run a practice that has multiple counsellors, then your premiums may even exceed $2,500 per year. More counsellor equals greater chance of an incident occurring. Furthermore, as is the case with home insurance, your location can also play a role since locations that have more disasters tend to get higher premiums.

Here are some of the biggest factors that impact your insurance rates:

The easiest way to find out how much you’ll pay for your insurance is by consulting comparison sites like LowestRates.ca, where you can compare multiple quotes side by side in just a few minutes.

How to get the cheapest counsellor insurance rates?

Finding . Here are some tips to help you secure the best deals:

Counsellor insurance in Canada: What you need to know

If you're in Canada, you may be facing several unique factors when it comes to insurance for counsellors. Here' what they are: