Doula Insurance: Cost & Quotes From $25/mo

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Doulas are allied healthcare professionals providing advice on lactation and other matters regarding pregnancy.  Being a doula can be a rewarding career, but it comes with risks. Accidents and incidents can happen during childbirth, which is why doulas need to have insurance coverage. In this article, we will explore the different types of doula insurance policies, and discuss the coverage limits, costs, and add-ons for each type of insurance. 

Do Doulas Need Insurance?

Yes, doulas generally need insurance coverage. While it may not be a legal requirement in all jurisdictions, having insurance is strongly recommended for doulas to protect themselves and their clients in case of unforeseen events. 

Insurance not only safeguards doulas in the event of legal claims or lawsuits but also provides reassurance to clients who may prefer to work with a doula with the appropriate coverage. If a doula covered by insurance makes a mistake or runs into an unexpected situation, they won’t lose their assets to a lawsuit. 

Doulas need to consult with insurance providers or professional doula associations in their region to understand the specific insurance requirements and options available to them.


General Liability Insurance for Doulas

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


To minimize the risk of business loss in case of an unforeseen incident, including general liability coverage in your bundled policy is crucial. This type of coverage is widely recognized as one of the most vital components of business insurance, as it is relied upon by companies across various industries. The reality is that any business can face the possibility of legal action and the associated financial obligations resulting from accidents attributed to their operations. The insurance covers claims for bodily injuries, property damage, libel, and copyright infringement. 


Coverage Limits of General Liability Insurance for Doulas

The coverage limits can range from $100,000 to $2,000,000, depending on the insurance provider and the specific policy. You can use this to cover legal expenses, medical expenses, settlements, and other related costs. 


Add-Ons to General Liability Insurance for Doulas

  • Professional liability insurance–This coverage protects doulas against claims of negligence, errors, or omissions related to their professional services

  • Cyber liability insurance–Protects against data breaches, cyber-attacks, and other technology-related risks that may affect a doula’s business

Is General Liability Insurance for Doulas Required by Law?

General liability insurance for doulas is not typically required by law, but many hospitals, birth centers, and clients may require doulas to have this coverage.


Errors and Omissions Insurance for Doulas

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


Errors and omissions (E&O) insurance protects doulas from claims against them for mistakes or negligence. This insurance is important for doulas who provide professional services to expectant mothers and their families as it provides financial protection in case of errors or omissions.


Coverage Limits of Errors and Omissions Insurance for Doulas

Coverage limits for E&O insurance for doulas can range from $100,000 to $2 million or more, depending on the insurance carrier and the level of coverage required by the doula.


Specific Situations Where This Insurance Can Help

  • Providing incorrect medical advice that causes harm to the mother or baby

  • Failing to identify a significant medical condition or allergy that causes harm to the mother or the baby

  • A doula provides services outside the scope of their training or certification

  • A situation where a doula’s advice leads a mother to select a childbirth method that causes harm 

What is the Difference Between Errors and Omissions Insurance and Doula Malpractice Insurance?

Doula malpractice insurance and errors and omissions insurance safeguard doulas from harming clients. Both plans cover legal fees and compensation if a doula is proven negligent or guilty of professional misconduct. “Errors and omissions insurance” and “malpractice insurance” are sometimes used interchangeably, reflecting the doula’s professional liability focus. 

Compare Cheap Doula Insurance Quotes Online

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Commercial Property Insurance for Doulas 

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance covers a business’s physical assets against damage or loss. This policy covers their office equipment, supplies, furniture, and other business property.


Coverage Limits of Commercial Property Insurance for Doulas 

The coverage limit for doulas can vary depending on the insurance provider. The coverage typically ranges from $10,000 to $100,000 or more.


Specific Situations Where This Insurance Can Help

  • Theft of equipment or supplies

  • Damage to property due to natural disasters, such as fire, flood, or lightning

  • Vandalism or other malicious acts that cause property damage

  • Income loss as a result of covered property damage causing business interruption

Add-Ons to Commercial Property Insurance for Doulas 

  • Equipment breakdown coverage covers the repair or replacement of equipment that breaks down due to a mechanical or electrical failure

  • Data breach coverage  covers the costs of notifying affected individuals and providing credit monitoring services in the event of a data breach

How Can I Determine the Appropriate Coverage Limit for My Commercial Property Insurance Policy as a Doula?

The reasonable coverage limit for your commercial property insurance policy will depend on several factors, including the value of your business property, the level of risk associated with your business operations, and your budget. Working with an insurance agent or broker specializing in commercial property insurance for doulas is important to help you determine the appropriate coverage limit.


Business Owner’s Policy for Doulas

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded


A business owner’s policy (BOP) is a type of insurance policy designed for small business owners that combines general liability insurance and commercial property insurance in one policy. By bundling these two coverages, a BOP can often be purchased at a lower premium than if the coverages were purchased separately.


Coverage Limits of Business Owner’s Policy for Doulas

Coverage limits for a BOP differ based on the size of the business and the specific risks it faces. Generally, coverage limits range from $500,000 to $2 million.


Specific Situations Where This Insurance Can Help

  • If a client slips and falls in the doula’s office and suffers an injury, leading to a lawsuit

  • A fire or other disaster damages the doula’s office or equipment, causing the business to shut down temporarily

  • A data breach occurs, and the doula’s electronic records are compromised

Add-Ons to Business Owner’s Policy for Doulas

  • Professional liability insurance covers against claims of negligence or errors in providing professional services

  • Employment practices liability insurance to protect against claims of discrimination, harassment, or wrongful termination by employees

Can a BOP Replace Lost Income if a Doula’s Business is Shut Down Due to a Covered Loss?

A BOP can include business interruption insurance, which can cover a business’s lost income and expenses that have to shut down temporarily due to a covered loss, such as a fire or natural disaster.


Doula therapy care and massage.


Tools and Equipment Insurance for Doulas

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance provides financial protection in case of unexpected events that could result in losing or damaging your essential tools and equipment. This coverage extends to baby scales, educational materials, and other equipment vital to your doula practice. 

Whether your equipment is stolen, lost, or accidentally damaged, tools and equipment insurance can help cover the cost of repair or replacement, ensuring that you can continue providing care to your clients.


Coverage Limits of Tools and Equipment Insurance for Doulas

Tools and equipment insurance offers $5,000-$25,000 coverage for repair or replacement expenses. 


Add-Ons to Tools and Equipment Insurance for Doulas

  • Off-premises coverage–This add-on extends coverage beyond your primary location. It protects your tools and equipment while working off-site, such as attending client appointments or workshops. It ensures that your assets are covered even when you are away from your usual place of business

  • Replacement cost coverage–Standard coverage typically reimburses you for the actual cash value of your lost or damaged items, considering depreciation. However, with replacement cost coverage, your insurance will cover the cost of replacing your tools and equipment with new items of similar kind and quality without factoring in depreciation

Can Tools and Equipment Insurance Cover Items That Are Rented or Borrowed?

It depends on the specific policy and the insurance provider. Some policies may include coverage for rented or borrowed equipment, while others may not. It’s important to review the policy details carefully and ask your insurance provider about any specific items you plan to rent or borrow to ensure they are covered under the policy.


Workers Compensation Insurance for Doulas 

As a doula, providing client support and care is at the core of your work. However, it’s essential to acknowledge that accidents or injuries can happen, even in the course of your profession. 

To protect yourself and your employees, it’s essential to consider workers compensation insurance. Workers’ compensation insurance is designed to cover medical expenses, lost wages, and other related costs in the event of work-related injuries or illnesses.


Add-Ons to Workers Compensation Insurance for Doulas 

  • Return-to-work programs–Some insurance providers may offer return-to-work programs as an add-on. These programs provide support and resources to facilitate the return of injured employees to the workplace. They may include rehabilitation services, job modifications, and vocational training to minimize the impact of the injury on the employee’s ability to work

Can I Opt Out of Workers’ Compensation Insurance for Doulas if I Don’t Have Any Employees?

If you are a sole proprietor without any employees, you may be able to opt out of workers compensation insurance in some states. However, it is important to check your state’s laws and regulations to ensure that you are compliant.


Excess Liability Insurance for Doulas

Excess Liability Insurance, also known as Umbrella Insurance, is a type of policy that provides additional coverage beyond the limits of a primary insurance policy. This insurance is designed to protect Doulas against large liability claims that exceed the limits of their primary insurance policy.


Coverage Limits of Excess Liability Insurance for Doulas

The coverage limits for Excess Liability Insurance can range from $1 million to $10 million or more, depending on the needs of the Doula and the requirements of their clients.


Specific Situations Where This Insurance Can Help

  • If a Doula is sued for malpractice and the damages awarded exceed the limits of their professional liability policy

  • In case underlying insurance policies have reached their coverage limits but there are still outstanding claims or lawsuits against the business

What Should Doulas Consider When Choosing an Excess Liability Insurance Policy?

Doulas should consider the coverage limits and any exclusions or limitations of the policy when choosing an excess liability policy. They should also consider the cost of the policy and any add-ons that may be necessary to provide the additional protection they need.


Cyber Liability Insurance for Doulas

In today’s digital age, where sensitive information is stored and transmitted electronically, protecting your client’s data and your own business from cyber threats is of utmost importance. 

As a doula, you may handle personal and confidential information about your clients, making you a potential target. Cyber liability insurance is designed to help mitigate the financial and reputational risks of cyber incidents.


Coverage Limits of Cyber Liability Insurance for Doulas

The coverage limits for doulas typically range from $100,000 to $1 million, depending on the insurance provider and the specific needs of the doula business.


Specific Situations Where This Insurance Can Help

  • Website attacks–Website attacks, such as Distributed Denial of Service (DDoS), can cause website downtime and disrupt business operations

  • Ransomware attacks–Ransomware is malware that encrypts a victim’s data and demands a ransom payment to release it

  • Phishing and scams–Phishing emails or phone calls are designed to trick individuals into divulging sensitive information or transferring funds to fraudulent accounts

Add-Ons to Cyber Liability Insurance for Doulas

  • Privacy breach response–Helps cover the costs of responding to and managing a privacy breach

  • Media liability–Protects a doula against claims of defamation, libel, slander, or copyright infringement resulting from media content posted on the company’s website or social media channels

  • Network interruption–Covers the loss of income and additional expenses incurred due to a network interruption or failure

What Types of Businesses Can Benefit From Cyber Liability Insurance?

Any business that stores or handles sensitive client information, such as personal health or financial data, can benefit from Cyber Liability Insurance. This includes doula businesses that collect and store client information, such as medical histories and insurance information.


Postpartum Doula Insurance

Postpartum doulas are crucial in supporting new mothers and their families postpartum. As a postpartum doula covered by insurance, you provide valuable assistance with newborn care, breastfeeding support, emotional well-being, and household tasks. While you focus on helping families adjust to their new lives, protecting yourself and your business with postpartum doula insurance is essential. The coverage options can go up to $2 million per claim.


Coverage for Personal Property and Equipment

As a postpartum doula, you likely use various tools and equipment, such as breastfeeding supplies, baby scales, or educational materials. Postpartum doula insurance can cover loss, theft, or damage to your personal property and equipment. This coverage ensures that you can replace essential items without incurring significant financial burdens.

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Doula Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $28 $336 $0-$500
Professional liability insurance $46 $552 $1,000-$2,000
Commercial property insurance $60 $720 $1,000-$2,000
Business owner’s policy $72 $864 $1,500
Tools and equipment insurance $31 $372 $500-$1,000
Commercial auto insurance $63 $756 $500-$1,000
Workers compensation insurance $87 $1,044 $2,500-$5,000
Cyber liability insurance $75 $900 $500-$1,000
Excess liability insurance $35 $420 $500-$1,000


The average doula insurance cost is $28 per month or $336 per year for a $1 million general liability policy. The cost of doula insurance can vary depending on coverage type, location, years of experience, etc. Here’s a table showing the cost of a $1 million general liability policy from the best companies:

Cost per Month Cost per Year Best for
NEXT $12 $144 Best overall; Fastest general liability insurance for doulas
CoverWallet $15 $180 Comparing doula insurance quotes online
The Hartford $17 $204 Workers compensation insurance for doulas
Tivly $19 $228 Comparing doula insurance quotes over the phone
Thimble $21 $252 On-demand insurance coverage
Hiscox $23 $276 Customizable policies and financial stability

Compare Cheap Doula Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Doula Insurance Companies

As a doula, it’s essential to have proper insurance coverage in case of any accidents, incidents, or malpractice claims. There are several insurance companies that cover doulas, and it can be overwhelming to choose the right one. These are the companies we recommend. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy. 


NEXT Doula Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for doulas

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any 

By choosing NEXT, doulas can benefit from flexible coverage options designed to provide financial protection in the face of accidents, injuries, property damage, or claims of professional negligence. 

Whether protecting against liability claims or safeguarding valuable equipment, NEXT strives to provide doulas with peace of mind, knowing that their businesses are adequately protected. 

To learn more about the insurance solutions offered by NEXT for doulas, it is recommended to visit their official website or contact their customer service representatives for detailed information and personalized assistance.

Best for: Best overall; Fastest general liability insurance for doulas 

Average cost: $12 per month

Our rating: 10/10


CoverWallet Doula Insurance

Pros

  • CoverWallet offers comprehensive insurance products designed for small and medium-sized enterprises. Whether it’s general liability insurance, professional liability insurance, property insurance, or workers’ compensation, CoverWallet has options to cover various business risks

  • CoverWallet provides dedicated customer support to assist businesses throughout the insurance process. Whether answering questions, helping with policy management, or guiding the claims process, their team can provide assistance and support when needed.

Cons

  • Not an insurance company but an insurance broker

CoverWallet is an online insurance broker that provides small businesses with a streamlined and user-friendly way to manage their insurance needs. The platform provides access to a wide range of insurance products, including general liability insurance, professional liability accurately y insurance, workers’ compensation insurance, commercial property insurance, and more

Best for: Comparing doula insurance quotes online

Average cost: $15 per month

Our rating: 10/10

The Hartford Doula Insurance

Pros

  • Comprehensive coverage options for doulas

  • Affordable pricing and financial stability

  • Renowned company for workers compensation insurance

Cons

  • Limited add-ons to general liability insurance

The Hartford is a well-established insurance provider that offers various insurance coverage options. The company has been in business for over 200 years and has an A+ rating from A.M. Best, indicating excellent financial stability. 

Best for: Workers compensation insurance for doulas

Average cost: $17 per month

Our rating: 10/10


Tivly Doula Insurance

Pros

  • Customizable policies for businesses

  • Risk management tools to help reduce liability

  • Partnered with over 200 providers.

Cons

  • You need to call to compare quotes

Tivly offers a comprehensive range of business insurance options, encompassing general liability, commercial property, and workers’ compensation insurance. This platform is particularly beneficial for business owners seeking efficiency and cost-effectiveness, as it facilitates connections with insurance providers that align with their specific requirements, ultimately saving them time and money. Call now to compare quotes over the phone. 

Best for: Comparing doula insurance quotes over the phone

Average cost: $19 per month

Our rating: 9/10


Thimble Doula Insurance

Pros

  • Thimble aims to provide cost-effective insurance solutions. By offering flexible coverage options and customizable plans, you can choose the level of coverage that suits your budget

  • Flexible option for those who may not need coverage year-round

Cons

  • Hourly pricing can add up quickly for more extended events or sessions

Thimble offers short-term liability insurance policies that can be tailored to specific business activities or events. The coverage can be purchased by the hour, day, week, or month, allowing users to have insurance precisely when they need it. This flexibility is particularly beneficial for freelancers, contractors, and gig workers with varying project durations and insurance requirements.

Best for: On-demand insurance coverage

Average cost: $21 per month

Our rating: 9/10


Hiscox Doula Insurance

Pros

  • Hiscox is a well-established insurance company with a strong reputation for quality and expertise

  • Hiscox provides a broad spectrum of insurance products, including professional liability insurance, general liability insurance, property insurance, cyber insurance, and more

  • Hiscox offers resources to help businesses understand and mitigate potential risks. They offer information, recommendations, and tools to help organizations manage risks and reduce claims and losses

Cons

  • Online quoting not available all the time due to periodic site maintenance

Hiscox is an international specialist insurance company that provides individuals with a wide range of insurance products and services. Hiscox has a strong presence in several countries, including the United States, the United Kingdom, and Europe, serving diverse industries and sectors. It has a reputation for its expertise in underwriting complex risks and has established itself as a trusted insurance provider.

Best for: Customizable policies and financial stability

Average cost: $23 per month

Our rating: 9/10


CM&F Doula Insurance

Pros

  • Affordable annual premium compared to other insurance providers

  • Comprehensive coverage for various types of liabilities and property damage

Cons

  • No online application process, only via phone or email

  • Limited add-on coverage options compared to other insurance providers

CM&F Group is an insurance provider that offers coverage options for healthcare professionals, including doulas. Their doula insurance policy covers general and professional liability, property damage, and medical payments. 

CM&F is a specialized provider offering postpartum doula insurance. Their insurance coverage is specifically designed to cater to your unique requirements. With a focus on safeguarding your assets, license, and professional reputation, CM&F’s exceptional professional liability insurance gives postpartum birth doulas a sense of security and tranquility.

Best for: Affordable coverage with comprehensive protection

Average cost: $33 per month

Our rating: 9/10

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