Counseling & Behavioral Health Center Insurance

Core coverages

• Professional liability — treatment decisions, misdiagnosis claims, duty-to-warn situations
• General liability — your office and premises
• Cyber & privacy liability — patient records and HIPAA exposure, including telehealth platforms
• Abuse coverage — critical when treating minors or vulnerable adults
• Workers comp — staff coverage as the practice grows

What drives your rate

Practitioner count and license types, services offered (group practices and intensive programs price differently than talk therapy), telehealth volume, and whether you bill insurance. Solo practitioners can often start with a professional-plus-GL package that's surprisingly affordable.

Why agents pass — and we don't

Behavioral health gets quoted like a doctor's office or like a retail store — neither fits. Carriers that specialize in allied health understand the actual exposure and price it correctly, including the telehealth and privacy pieces generic agents miss.