Is telehealth covered?

Yes, telehealth services can be covered under both GL and professional liability for mental health professionals, provided the percentage of virtual sessions is disclosed at quote time.

What if a client trips in the office?

General liability covers third-party bodily injury claims from clients or visitors hurt in your waiting room or office space.

Are confidential client records protected from a data breach?

Cyber liability is designed to respond to breach notification and related costs if confidential client records or session notes are exposed.

Does the telehealth platform we use affect our coverage?

It can. Your telehealth platform's privacy and security practices should be reviewed alongside your cyber policy, since privacy concerns are a growing exposure for behavioral health providers.

Is professional liability needed for allegations about a session?

Yes, professional liability is core coverage for therapists and counselors, addressing claims of negligence or improper care connected to services provided.

What if an employee files an employment-related claim?

Employment-related claims such as wrongful termination or harassment typically fall outside standard GL and professional liability — ask your advisor about employment practices liability options.

Do group practices with multiple therapists need separate policies?

Not necessarily — a group practice can often be written on a single BOP and professional liability program with each licensed provider scheduled on the policy.

SIC 8049

Mental Health Professional Insurance in California

Insurance for therapists, psychologists, counselors, social workers, psychiatric practices, and behavioral health offices.

Mental health professional speaking with a client in a counseling office

Who This Is For

Built for licensed therapists, psychologists, marriage and family therapists, clinical social workers, and behavioral health group practices. Whether you see clients in a private office, run a group counseling practice, or offer telehealth sessions, this page addresses the business insurance considerations specific to confidential, service-based mental health care.

Coverage Options for Mental Health Professional

Mental health is a preferred Travelers class. Telehealth services should be disclosed, and inpatient psychiatric services require referral to a specialty market.

Business Owners Policy

Bundles general liability and commercial property into a single, typically lower-cost policy that covers most day-to-day risks for the practice.

Professional Liability

Covers claims of negligence, errors, or omissions connected to the clinical services or advice you provide to patients.

General Liability

Protects against third-party claims of bodily injury or property damage — for example, a patient or visitor hurt in your office or waiting room.

Cyber

Covers costs from a data breach, ransomware attack, or other cyber incident affecting patient records, scheduling systems, or payment data.

Workers Compensation

Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.

Commercial Property

Covers your office, equipment, and business personal property against fire, theft, water damage, and other covered perils.

Business Income

Replaces lost revenue and covers continuing expenses if a covered property loss forces you to temporarily close.

Umbrella

Adds an extra layer of liability protection above your GL, auto, and employer's liability limits for large or catastrophic claims.

Real-Life Claim Scenarios for Mental Health Professional

Client Trips in the Office

A client trips over a rug in the waiting area and sprains an ankle, filing a claim against the practice.

General Liability

Confidential Records Exposed in a Cyber Incident

A misconfigured cloud storage folder exposes session notes and client contact information for dozens of clients.

Cyber

Telehealth Platform Privacy Concerns

A client raises concerns after learning the telehealth platform used for sessions had a security vulnerability affecting video recordings.

Cyber

Office Damaged by Fire or Water

A fire in an adjacent unit damages the practice's office space and destroys paper client files stored on-site.

Commercial Property

Counselor Named in a Liability Allegation

A former client alleges that treatment recommendations caused harm and pursues a formal complaint against the counselor.

Professional Liability

Psychologist's private office set up for confidential client sessions

Common Insurance Requirements

Certificate of Insurance naming your landlord as additional insured

Professional liability limits sufficient for insurance panel and referral network credentialing

Telehealth platform privacy and security practices reviewed against your cyber policy

Workers' compensation coverage for therapists and administrative staff

Confidential record-handling provisions reviewed for both paper and electronic client files

What Affects Cost

These are the main factors Travelers underwriters typically review when pricing this class:

License type and scope of services (individual, group, inpatient)
Percentage of sessions conducted via telehealth
Number of therapists and support staff
Annual revenue
Claims history
Location and office lease terms
Volume of confidential client records stored electronically
Use of independent contractor clinicians vs. employees

Frequently Asked Questions

Related Healthcare Classes

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Get a Mental Health Professional Insurance Quote

Tell us about your practice and Casurance can help you review Travelers coverage options for mental health professional.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage or medical/legal advice.

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