Insurance for Psychologists
Coverage for negligence, errors & professional mistakes
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Combined Professional & General Liability from $42.31/mo
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Buy online in minutes
Save Money
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Instant Coverage
Delivered to your inbox
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What does psychologist Insurance cover?
Psychologist insurance covers legal fees and compensation claims related to everyday risks. It can cover the cost of lawsuits, compensation, and other expenses related to:
- Malpractice claims
- Errors or mistakes in your works
- Third-party injury and property damage claims
- Data breaches
BizInsure understands the insurance needs of psychologists. We offer easy, flexible coverage options that can be purchased online in minutes.
Why do psychologists need insurance?
Even with appropriate training and ethical practice, psychologists and counsellors may face complaints, claims, and allegations related to patient treatment. Business insurance help protect your finances should a client allege that they’ve suffered loss or damage due to your treatment or advice.
| Risk scenarios | Coverage benefits |
|---|---|
| Negligence claims A client or their family alleges that an error, omission or inappropriate advice during assessment or treatment caused their condition to worsen or resulted in harm. | Professional liability insurance helps cover legal defence costs, settlements or judgments arising from claims of negligence, errors or omissions in the professional psychological services you provide. |
| Third-party injury A client or visitor is injured at your practice, or you accidentally damage property while providing psychological services at another location. | General Liability insurance helps cover legal costs, compensation, and repair or replacement expenses if your business is held responsible for third-party injury or property damage. |
| Abuse or harassment claims A client alleges that you or one of your employees engaged in inappropriate, abusive or harassing behaviour during a consultation, treatment session or other professional interaction. | Abuse and harassment insurance helps cover legal defence costs and other covered expenses associated with allegations of abuse, harassment or inappropriate conduct involving you or your employees. |
| Data breach A cyberattack or security incident compromises your systems, email account or digital records, exposing confidential client information or sensitive business data. | Cyber Liability insurance covers certain costs associated with responding to a data breach or cyber incident, including notifying affected clients, engaging forensic specialists, restoring systems, and managing covered legal or regulatory expenses. |
What types of insurance do psychologists need?
Whether you provide treatments in your home, in a fixed location or visit clients, we offer tailored Professional Liability and General Liability insurance tailored to meet your needs and budget.
General Liability insurance
General Liability Insurance covers your business if a third-party is injured, or their property is damaged, a of your business activities or services. It covers legal costs compensation costs. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Professional Liability insurance
Professional Liability insurance, also known as Errors & Omissions insurance protects you against claims of negligence, misrepresentation or mistake, resulting in financial loss to a third party. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Sexual Abuse and Molestation
Sexual Abuse and Molestation Cover is designed to cover legal defense and settlement costs against allegations of client abuse, assault, misconduct, or harassment. It can provide coverage for counseling support, alleged physical misconduct, reputational & legal liability management.
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How much does psychologist insurance cost?
Combined Professional Liability and General Liability insurance pack for psychologists costs starts $42.31 per month*.
Factors influencing cost
- Risks of the industry 
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Flexible cover that grows with your business
High-limit coverage levels to suit self-employed practitioners or agencies with complex needs.
Choose Professional Liability up to $10 million or General Liability up to $20 million
Factors influencing cost
- Risks of the industry 
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Flexible coverage that grows with your business
High-limit coverage levels to suit self-employed practitioners or agencies with complex needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
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