Counselor Liability Insurance—Premium Protection from Career Shield Insurance

Comprehensive Malpractice Coverage & Premium Protection for Counselors and Therapists. One Up-Front Price With No Long Quote Process. Plus, General Liability is included FREE!

Liability Insurance Designed Specifically for Counselors with $25,000 of License Protection Coverage

Counselors like you always put your patients first. At Career Shield Insurance, that’s a policy we can get behind. Just like you, we’re passionate about providing our policyholders (AKA you) with insurance you can count on. Our comprehensive counselor liability insurance was created to help you reduce the risks you face every day in your unique career. No matter what your professional niche might be–an art therapist counselor, a behavior analyst counselor, a family counselor, a guidance counselor, or beyond–we’re proud to provide you with the coverage you expect and deserve.


$299  /12 Months

Trusted In Your Industry & Beyond

We’re so glad to have you as part of the Career Shield Insurance team. When you join us at Career Shield Insurance, you join over 300,000 professionals who are receiving the peace of mind, business-building coverage, and best-in-class malpractice insurance they need to succeed. What’s the best part of this coverage? We’re backed by Arthur J. Gallagher, a Fortune 500 global insurance brokerage, and underwritten by Arch Specialty Insurance Group—with an A+ Rating by AM Best.  

Covered Services

  • Counselor/Therapist
  • Art Therapist
  • Music Therapist
  • Family Counselor
  • Guidance Counselor
  • Behavior Analyst

Premium Counselor Insurance—Here to Support & Protect Your Growing Career


Professional & General Liability 

Product Coverage

Damage to Rental Premises

License Protection Coverage

Loss of Earnings Coverage

First Aid Coverage

Deposition Expense Coverage

Assault On You Coverage

Good Samaritan Coverage


$1 million per occurrence/ $3 million annual aggregate

$1 million annual aggregate








Counselor Liability Insurance Coverage–Peace of Mind Price, Next Level Protection

Your specialized field is unique. Shouldn’t your coverage be? Your career demands coverage that’s built specifically for the risks you face every single day. In other words, a one-size-fits-any-career insurance policy simply won’t do. With Career Shield Insurance, your policy is built for your career by an insurance provider who understands your career. That means your comprehensive coverage will tackle the real risks you face every single day. Why settle for a policy that doesn’t understand your needs and liability? Discover how Career Shield can offer you the peace of mind you deserve and the protection your career demands, all with up-front pricing and no back-and-forth quote process.

Insurance Policy Highlights


Career Shield Insurance’s counselor insurance coverage was designed specifically to fit your career, mitigate your unique risks, and provide a stable, reliable environment for you to thrive as a counselor. That means you won’t just receive one type of coverage; you’ll get an umbrella policy featuring professional liability, general liability, product liability, and so much more to ensure you’re protected from every angle. The best part? We’re proud to cover an abundance of services and modalities to fit your unique counselor niche. And because we know the world is unpredictable, we offer flexible coverage that moves with you–no matter where you go.

Premium Protection, Peace of Mind Price—The right coverage is the first half of the battle–affordable coverage is the other. At Career Shield Insurance, we know that providing one of these elements without the other doesn’t work. That’s why we’re focused on affordable rates alongside unmatched protection. In other words, even though we keep your prices low, we never skimp on the protection you’ll receive.

Immediate Coverage—Once you’ve found the perfect coverage, why wait for it to kick in? While some companies make you wait days, weeks, or even months for coverage to start, that doesn’t work for us. At Career Shield Insurance, we provide instant coverage from the moment you confirm your membership and pay your up-front rate.

Coverage That Follows You—Changing jobs? Starting your own practice? Moving to a new state? No problem. Our flexible coverage isn’t conditional on where you live or who your employer is. Whatever you decide to do, our coverage goes with you. We’ll never hold you back from your thriving career.

No Long Waits–Up-Front pricing —At Career Shield Insurance, we understand that your time is valuable. That’s why we offer up-front pricing without any of the back-and-forths you’ll find at other insurance companies. Why? Because you’ve got better things to do than negotiate on the phone. You need premium protection, and you need it now. And that’s something we’re proud to offer our members.


Comprehensive coverage isn’t the only perk. We’ve crafted a unique and extensive suite of member benefits for every member of our team: 

  • Telehealth – Consult with a physician 24/7/365 via telephone, video, or mobile app without needing health insurance — with only a $10 copay. 
  • MetLife – Get access to affordable group rates for dental and add-on vision plans.
  • VSP – Get up to $300 in savings on eye exams and glasses.
  • Lenovo – Save 30% off the everyday public web price of Lenovo’s entire line of PC products. 
  • UPS – Get special pricing on UPS with 50% off Air, 30% off Ground, and free UPS Smart Pickup® Service. 
  • Office Depot/Max – Get 75% off Office Depot and OfficeMax preferred products. 
  • Rental CarsGet up to 25% off the base rate on Budget and Avis rental cars. 

Do I Need Counselor Errors and Omissions Insurance?  

The short answer is yes. The longer answer is still a yes, but with a little more explanation. Every day that you step into your role as a counselor–an art therapy counselor, guidance counselor, family counselor, or beyond–you assume a certain degree of risk. No matter how skilled and conscientious of a counselor you might be, that risk never dissipates. Incidents do happen, whether they’re accidental or alleged–and if they do happen and you’re not covered, you’ll be stuck dealing with all of the repercussions on your own. When you team up with a quality insurance partner, you don’t just receive a way to mitigate that risk. You receive the peace of mind that comes with knowing if something ever did happen, you’ve got a team backing you to deal with whatever comes next.

 Protect Your Counselor Career Today  

Or call (866) 945-1699 to speak to a live insurance representative.

Picking the Best Counselor Liability Insurance: Frequently Asked Questions

It’s no easy feat to pick the right counselor liability insurance. If you’re confused or overwhelmed, know that you’re not the only counselor out there with questions. At Career Shield Insurance, we understand that insurance isn’t always as streamlined as it could be. That’s why we’re doing everything in our power to simplify the process and make your selection easier than ever. Take a look at a few of the most frequently asked questions we’ve received from counselors like you about our insurance.

What Exactly Does Counselor Liability Insurance Do? How Does it Help?

Think about liability insurance as if it was a safety net. Maybe even think about being a tightrope walker. You’ve been a practiced and professional walker for a long time. You’ve trained for this, and you’re the best in the business. But even so, there’s always that risk that you might fall. And that’s just part of the job. Even if you never fall, the net below you, well, that’s just a confidence booster, giving you the security you need to do your job right without fear of falling. Maybe you’ll never make a mistake in your counseling career, but maybe you will. And whether that mistake is accidental or alleged, that safety net is going to make that fall a whole lot softer. 

In other words, if a misstep, claim of negligence, damage, or injury ever occurs on your watch, your liability insurance will protect you. It’s designed to keep you safe and make sure you can get back up on the tightrope again as quickly as possible.

What Kind of Liability Insurance Does Career Shield Insurance Provide for Counselors?

Here’s an up close and personal look at how we provide for counselors like you:

  • General Liability: protects counselors like you from claims for injuries or property damage. With Career Shield Insurance, you have a $1 million per occurrence and $3 million individual annual aggregate for general liability claims.
  • Professional Liability: provides coverage for claims asserting you were negligent in your services and an injury or form of damage occurred as a result. Professional liability claims also come with a $1 million per occurrence and $3 million individual annual aggregate.
  • Product Liability: provides protection from an allergic reaction from the use of products in performing your services. You’ll be covered up to $1 million for product liability claims.
  • Rental Damage Coverage: provides coverage for damages you or a client caused to a rented space, up to $100,000.
  • Stolen Equipment: provides $1,000 worth of coverage for any equipment that’s stolen, less a $250 deductible.
What’s the Difference Between Occurrence Form and Claims-Made Insurance Policies?

This is another one of those insurance industry complications that make things harder than they need to be. These terms aren’t as confusing as they sound. At Career Shield Insurance, we proudly offer occurrence form coverage for a very distinct reason: ultimate reliability. Occurrence form coverage guarantees that you’ll be protected for the time period in which your policy was active. That applies even if a claim is filed retroactively. That means if someone files a claim against you a month, a year, or several years after your policy with us expires, but the alleged event took place when your policy with us was active, we’ll cover you. And there will be no questions asked. A claims-made policy will not work the same way. Instead, they’ll only take care of you when your policy is active.

My Employer’s Insurance Will Cover Me If Anything Happens—Do I Really Need My Own?

You do. Even if your employer’s insurance is going to cover you partially, that’s not going to be enough. We don’t mean anything negative toward your employer, but even if they have your best interest at heart, their insurance is designed to do one thing and one thing only: protect them. And there’s nothing wrong with that. That’s why they have insurance. And that’s why you should have your own insurance, too. You should be at the center of that protection, no matter what.

How Long Does the Quote Process Take With Career Shield Insurance?

We believe in up-front pricing without the back-and-forth process. That means you’ll get your quote instantly and your coverage can begin immediately.

What are your limits for each coverage type?

For professional and general liability, the limit is $1 million per occurrence or $3 million annual aggregate. For product coverage, the limit is $1 million annual aggregate. For damage to rental premises, the limit is $100,000. For license protection coverage, the limit is $25,000. For loss of earnings coverage, the limit is $10,000. For first aid coverage, the limit is $10,000. For deposition expense coverage, the limit is $10,000. For assault on your coverage, the limit is $25,000. For good samaritan coverage, the limit is $25,000. 

If you have questions or concerns regarding any of the limits of your coverage, please contact our friendly customer care team members by calling (866) 945-1699, Monday-Friday, 9 AM to 6 PM EST, or you may email us directly at

Can I purchase insurance online?

You sure can. Our online portal is streamlined and easy to use whenever you want. That means you’ll be able to access our insurance 24/7.

What if I move out of state? Will my Career Shield Insurance still be active?

We believe in flexible insurance that moves with you! That means no matter where you go; our insurance follows you and your career.

Can I speak with a counselor liability insurance expert before making a payment?

Please do. It’s no secret that we want your policy coverage experience to be the easiest, most comfortable experience possible–that’s why our team of experts is ready to answer any of your questions whenever you have them. They are available via telephone at (866) 945-1699, Monday-Friday, 9AM to 6PM EST or you may email us directly at