FAQ_category: (HIDDEN) Industry FAQs

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. 

Yes! If you include the right coverage.  

• Professional liability policies typically extend to telehealth services, but you’ll want to confirm that your insurer lists teletherapy, online counseling, or virtual care within your covered services.  

• Cyber liability coverage is especially important here, as the U.S. Department of Health and Human Services (HHS) notes that HIPAA security standards apply to online platforms just as they do to in-person care. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Mental health counselors face risks ranging from client claims of negligence to data breaches tied to digital records. The most important coverages include: 

• Professional liability insurance – protects you from malpractice or negligence claims tied to counseling sessions. 

• General liability insurance – covers third-party injuries or property damage at your office. 

• Cyber liability insurance – safeguards against breaches of electronic health records or HIPAA violations. 

• Business property insurance – protects your office space, furniture, and equipment. 

Together, these policies ensure your practice is covered from clinical risks, business interruptions, and compliance exposures

Therapist insurance protects against a wide range of professional and business risks, including: 

• Claims of negligence or malpractice in counseling or treatment. 

• Client injuries on your premises. 

• Damage to your office property or equipment. 

• Employee injuries if you operate a group practice. 

• Cyber threats such as hacking, ransomware, or breaches of confidential records. 

By combining professional liability with general and cyber coverage, therapists can safeguard both their clients and their practice.