Counselling Insurance

Any experienced providing counseling assistance online or in-person should shield themselves with a Counsellor Insurance policy container. So, 2autoinsurance is the best consultant. 

Each counseling practice is unique, and insurance requirements may vary; a comprehensive policy package for counselors and psychotherapy practitioners will typically include the following coverages: 

• 2autoInsurance, known as Malpractice Insurance, offers a range of genuine or plausible delinquency, mistakes, deletions, or failure to deliver a service as sworn. In some cases, the outcome may be bodily damage. As a counselor, a client can sue you for any professional decision that causes harm, alleged or otherwise. The kinds of clients you feast on heavily influence your risk of encountering a malpractice case. For example, if you treat people with a history of violence or self-harm, your work may be more closely linked to your patient’s safety than providing couple counseling.

              Shares and cases covered by Professional Liability Insurance for counselors may include: 

• Inappropriate relationships with a client; 
• Failing to report abuse; 
• Neglecting the duty to warn; and,
• Failing to protect a client from themselves. 

          Cyber Liability Insurance is critical for counselors who treat patients virtually. A cyber attack has impacted about one in five Canadian small businesses in the last two years. With recovery costs averaging $100,000, most business owners can’t afford the risk. Cyber Liability Insurance may provide financial coverage for repairs to computer and data infrastructure systems and notification costs, legal fees, credit monitoring, and crisis management.

• Commercial General Liability protects you against everyday risks, including actual or alleged third-party bodily injury or property damage. If you operate a physical location and provide virtual services, you need CGL to cover medical fees and legal expenses. A customer slips on a patch of ice outside your practice, resulting in a mild concussion. 

• Saleable Property Insurance: is essential for counselors renting or renting a space as it shields your property (i.e., studio, equipment, inventory) from an insured peril, such as fire, theft, or destruction. Commercial Property Insurance policies often include corporation interruption (a.k.a. business income) coverage, which provides repayment for net income lost following an insured event.
  • Please note that corporation interruption coverage will not cover income lost due to a pandemic, spreading sickness, or government-mandated closure.