When you also have equipment or operate from an office
All Basic plan benefits and:
Get covered against errors resulting in bodily injury
All Standard plan benefits and:
General Liability insurance protects counselors from claims like property damage, bodily and personal injury, advertising mistakes and other claims arising from business operations. The insurance will cover the cost of legal defense and any settlement or award offered to the claimant. These include compulsory damages, punitive damages, and losses suffered by the injured party.
Professional Liability, or Errors & Omissions (E&O), insurance helps protect your business from the cost of defending a lawsuit or claims against professional advice that suffered your client financial harm or personal injury because you made a mistake on your judgment or failed to perform the service. The insurance will cover the cost of lawsuit defense and certain damages awarded.
Workers' Compensation provides cash benefits and medical coverage to workers who suffer work-related illness or injuries. Because Workers' Compensation acts as insurance, the employees relinquish their rights to sue your business for the injuries covered.
Commercial Auto insurance can protect your business vehicles and the drivers who operate it. The insurance will cover for collision damage, medical expenses, legal fees, theft, weather events and collisions. Commercial Auto insurance has more coverage and limits than what your personal auto insurance can cover.
Health professionals in this industry diagnose and treat disorders such as mental, behavioral, and emotional issues brought about by stress or substance abuse. These professionals may practice privately or in facilities such as hospitals.
It is important for counselors to have an insurance because you provide professional advice to your customers. Mistakes in your judgment can cause huge financial losses to customers and then your business. Your insurance will help you cover all the risks.
Counselors face plenty of risks and without insurance, in place, you'll end up losing a lot of money. Here are some risks counselors can face:
The cost of insurance for counselors is determined by the type of your business, the number of employees you have, your business properties and many other factors. Without taking these into account, below are the average costs of an insurance policy:
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