Marriage Counselor Insurance: Cost & Quotes From $15/mo

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A lot of weddings happen but the same can be said for marriage problems. Did you know that every day, approximately 2,400 divorces take place in the USA? And did you also know that at least 49% of married people attend a marriage counseling session twice or thrice a week? Marriage problems aren’t something that life coaches can help with. And so, marriage counselors are to the rescue. 

It’s a fact that not all marriage counseling sessions yield positive results. Some marriage counselors get served with financially crippling lawsuits due to the services their render to their clients. Couples counseling without insurance can be problematic. 

Marriage counseling covered by insurance is better. You have peace of mind. Moreover, you have a financial cushion in case something happens. 

Here’s an article that answers your questions about marriage counseling and insurance. What insurance policies should couple counseling professionals have before their render their services to their clients?  How much does marriage counselor insurance cost? 

General Liability Insurance for Marriage Counselors

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


This is insurance that protects a marriage counselor’s business or organization from any claims resulting from any activities it performs or services it renders to its clients. The claims insured against this policy are bodily injuries and property damage to the marriage counselor’s clients. This essential policy doesn’t cover professional mistakes, theft, damage to the marriage counselor’s property, and any auto-related accidents.


Costs Covered by General Liability Insurance

Here are some of the costs covered by this couples counseling insurance policy:

  • Your client’s property damage costs

  • Bodily injuries caused to your client

  • Advertisement lawsuits

  • Copyright infringement lawsuit costs

  •  Reputational harm or defamation claims

Adds-Ons for General Liability Insurance for Marriage Counselors

  • Product liability insurance–This protects the marriage counselor business from any bodily injury or property damage claims due to the use of his/her product

  • Cyber liability coverage–This helps protect a marriage counselor from incurring losses due to a cyber-attack

Situations Where Marriage Counselors Can Use General Liability Insurance

Below are some of the conditions under which the general liability insurance for marriage counselors may be used:

  • In the event, a marriage counselor is served with a lawsuit due to an alleged copyright infringement

  •  In the event, the client sustains bodily injuries or their property is damaged due to the marriage counselor’s actions or services

  • In the event, a client claims to be compensated for reputational harm caused by the insured marriage counselor

Professional Liability Insurance for Marriage Counselors

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 $1,000,000/$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
License defense coverage included? No No No No No
HIPAA coverage included? No No No No No
Sexual harassment coverage included? No No No No No
Deductible  $500 $500 $500 $50/$10,000 $500


Professional liability insurance is a specialty business insurance policy that protects marriage counselors from incurring costs in the event their client serves them with a lawsuit claiming to be compensated due to an alleged mistake, negligent act, or malpractice committed during service delivery. It’s important to note that this essential couples counseling insurance coverage doesn’t cover any customer and employee injuries, criminal prosecution, or legal liability costs.


Costs Covered by Professional Liability Insurance for Marriage Counselors

Below are some of the costs covered by this policy for marriage counselors:

  • Breach of contracts

  • Claims arising from undelivered counseling services

  • Errors and mistakes made during service delivery

  • Failure to meet set deadlines

  •  Negligent acts conducted by a marriage counselor

Add-Ons for Professional Liability Insurance for Marriage Counselors

  • Intellectual property infringement–This add-on helps protect a company or organization from incurring any costs resulting from breaking the terms of the agreement of intellectual property rights such as trademark or copyright

  • Regulatory and disciplinary proceedings–This protects marriage counselors from incurring costs related to a disciplinary proceeding or any fine imposed on them by their regulatory body or bodies

Circumstances Under Which the Professional Liability Insurance for Marriage Counselors May be Used

Below are some of the conditions that the professional liability insurance may be used:

  • When a marriage counselor is sued for alleged negligent acts during service delivery

  • When a marriage counselor is sued by their client for providing them with ‘bad’ advice

  • When a marriage counselor is sued for violation or breach of contract

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Show thumbnail preview	 A couple holding hands in front of a tree, seeking the guidance of a marriage counselor. A couple holding hands in front of a tree,


Commercial Property Insurance for Marriage Counselors

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $200,000 $25,000/$500,000 $25,000 $35,000
Contents coverage limit (minimum) $50,000 $15,000 $25,000/$500,000 $25,000 $35,000
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 protects a marriage counselor from incurring any rebuilding or repairing and restocking costs if business premises and physical assets get destroyed by fire, natural calamities, or due to acts vandalism and theft.

This insurance policy offers two kinds of coverage: buildings and contents. Under the buildings insurance, this policy covers any costs that arise from damaged buildings whereas the contents insurance covers the costs of replacing and repairing physical assets found in the destroyed building.


Costs Covered by Commercial Property Insurance for Marriage Counselors

Below are some of the costs covered under this couples counseling insurance cover:

  • Costs of repairing, rebuilding, and replacing buildings and other physical assets

  • Increased costs of operating your marriage counseling business due to the occurrence of the insured peril

  • Any deficits in pre-tax profits caused by the occurrence of the insured risk

Add-Ons for Commercial Property Insurance for Marriage Counselors

  • Roads, pavement, and street furniture repair and replacement costs

  • Damage to property as a result of mold, mildew, fungi, or spores’ infiltration

  • Leak searching or finding costs

Circumstances Under Which Commercial Property Insurance for Marriage Counselors May be Used

  • In the event, the company’s building is destroyed by fire, floods, storms, theft, or vandalism

  • In case the company’s physical assets or contents such as office equipment and furniture are destroyed by fire, floods, storms, theft, or vandalism

  • In case the company is faced with an increased cost of running its activities due to the occurrence of the insured peril

Business Owner’s policy for Marriage Counselors

CoverWallet Thimble  NEXT  Hiscox (Best)  The Hartford
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $25,000/$500,000 $200,000 $25,000 $35,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


Business owners policy is a type of insurance that combines general liability and commercial property coverage. This is used to protect against any property damage, catastrophic disasters, business interruption, and liabilities.

Before the issuance of this couples counseling insurance coverage policy, an insurance provider typically puts the following factors into consideration: The location, size, class of your business, and the revenue generated. Please note this insurance policy doesn’t in any way cover professional liability and workers’ comp claims.


Costs Covered by Business Owner’s Policy for Marriage Counselors

Below are some of the costs covered by this relationship counseling insurance:

  • Loss of income that’s caused by disruption of the business’s activities

  • Legal responsibility that arises from the activities/things that you or your employees do or fail to do during your service delivery

  • Property destruction such as buildings owned by you

  • Contents found in the destroyed buildings such as office equipment and inventories

Add-Ons to Business Owner’s Policy for Marriage Counselors

Below are some of the add-ons under this insurance policy:

  • Cyber insurance–Grants coverage for liabilities and financial losses resulting from a data breach, phishing, or any other cyber attack

  • Employee dishonesty insurance–Covers losses resulting from the dishonest acts of employees such as theft, social engineering, and forgery

  • Customer property coverage–Grants a reimbursement for any property owned by a client or any other third party that got lost under your care, custody, and control

Commercial Auto Insurance for Marriage Counselors

This is an insurance policy that protects a marriage counselor’s company from incurring property damage and bodily injury costs as well as defense expenses that directly arise from an accident caused by owned, leased, or hired cars. This customizable insurance cover can also protect a marriage counselor’s automobile against damages caused by theft, vandalism, and natural calamities such as floods and storms.


Costs Covered by Commercial Auto Insurance for Marriage Counselors

Below are the costs that can be covered by this insurance policy:

  • Medical costs of your company’s driver or any other passenger being ferried in the insured vehicle

  • Medical expenses of third parties involved in an accident caused by your vehicle 

  • Vehicle damaged due to collisions 

  • Vehicle damages resulting from adverse weather conditions, theft, or vandalism

Add-ons to the Commercial Auto Insurance for Marriage Counselors

  • Roadside assistance coverage–Covers expenses for gas delivery, tire delivery, jumpstart service, and other related costs in case your vehicle breaks down a specific miles away from your business location

  • Return to invoice add-ons–This helps the policyholder from incurring replacement or repair costs as a result of theft

Situations in Which Marriage Counselors Can Use the Commercial Auto Insurance for Marriage Counselors

  • If a marriage counselor’s vehicle is damaged by adverse weather conditions or from acts of vandalism and theft

  • When a marriage counselor is obligated to pay for bodily injuries and property damages caused by his/her marriage counseling business owned, leased, or hired vehicle

Coverage Limit of the Commercial Auto Insurance for Marriage Counselors

The coverage limit of commercial auto insurance for marriage counselors is $25,000-$1,000,000.

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Marriage Counselor Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $57 $684 $0-$500
Professional liability insurance $78 $936 $500-$1,000
Commercial property insurance $110 $1,320 $1,000-$2,000
Business owner’s policy $167 $2,004 $1,000-$2,000
Commercial auto insurance $80 $960 $500-$1,000


The average marriage counselor insurance cost is $57 per month or $684 per year for a $1 million general liability coverage. Your actual rates can be the same or different based on location, revenue, claims history, deductibles, business history, and policy limits. Below is a table on the cost of a marriage counselor insurance policy from companies we recommend:

Cost per Month Cost per Year Best for
NEXT $42 $504 Marriage counselors who are looking for fast, affordable, and easy-to-claim online couples counseling insurance policies
CoverWallet $49 $588 Comparing marriage counselor insurance quotes online
The Hartford $57 $684 Marriage counselors who are looking for affordable and easy-to-claim auto insurance coverage
Thimble $64 $768 Marriage counselors who require temporary coverage
Tivly $70 $840 Comparing marriage counselor insurance quotes over the phone
Hiscox $82 $984 Marriage counselors looking for comprehensive and discounted coverage

Compare Cheap Marriage Counselor Insurance Quotes Online

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Best Marriage Counselor Insurance Companies

Here are some of the best marriage counselor insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance:


NEXT Marriage Counselor Insurance

Pros

  • Its policies are customizable

  •  It offers discount incentives on bundled policies

  • You can conveniently access your certificate of insurance online

Cons

  • It’s not convenient for people who haven’t embraced the paperless technology

NEXT is an A- AM Best rated business insurance provider that sells its policies online mainly to small business owners who want to manage their coverages digitally. This industry-leading insurance company provides a 10% discount to policyholders who purchase bundled policies.

It also underwrites its insurance policies. Some of the insurance policies provided by this premium insurer are business owners policy, commercial property insurance, commercial vehicle insurance, general liability insurance, workers compensation insurance, professional liability, and liquor liability insurance.

Best for: Marriage counselors who are looking for fast, affordable, and easy-to-claim online couples counseling insurance policies

Average cost: $42 per month 

Our rating: 10/10


CoverWallet Marriage Counselor Insurance

Pros

  • Fast and FREE speedy insurance quotes 24/7

  • Provides expert insurance advice through its licensed insurance agents

  • Provides immediate proof of insurance once you get its coverage

  • You can manage and purchase its insurance policies online

Cons

  • It’s an insurance broker and not the actual provider

CoverWallet is an online insurance broker that facilitates all types of business owners in the purchase and management of different insurance covers. It’s owned by the Aon PLC firm and rated as a B insurance broker by the Better Business Bureau. Despite not underwriting insurance policies, this dependable insurance agency helps its customers access the following insurance policy through its over 29 partners: General liability, workers’ comp insurance, commercial auto insurance, professional liability insurance, errors and omissions insurance, business property insurance, and cyber liability insurance.

Best for: Comparing marriage counselor insurance quotes online 

Average cost: $49 per month 

Our rating: 10/10


The Hartford Marriage Counselor Insurance

Pros

  • Excellent customer service

  •  It has a fully functional mobile app that can be used for claims reporting

  • Its coverage is available in all the 50 states

  • It also offers financial services

  • It provides added advantages to its policyholders

Cons

  • It’s not the best for auto insurance policies

Having been founded in 1810, The Hartford has over the years dominated the insurance industries due to its top-notch customer services, discount incentives, and provision of a wide array of affordable commercial and personal insurance policies to its clients. It’s rated as an A+ insurance company by both the AM Best and the Better Business Bureau. This reputable insurance company offers auto, business, and homeowners coverage to its policyholders.

Best for: Marriage counselors who are looking for affordable and easy-to-claim auto insurance coverage

Average cost: $57 per month 

Our rating: 10/10


Tivly Marriage Counselor Insurance

Pros

  • Speedy quotation process

  • Provides a wide range of insurance policies due to its over 200 partnered insurance providers

  • It can help match you with insurance policies that suit your business needs

Cons

  •  It lacks a mobile application

This digital insurance agent is rated as an A+ by A.M Best. This financially stable insurance agent facilitates its policyholders with the following insurance policies: Business owners policy, general liability insurance, commercial auto insurance, workers’ compensation insurance, and professional liability insurance policies. Call a representative now to compare quotes over the phone. 

Best for: Comparing marriage counselor insurance quotes over the phone 

Average cost: $70 per month 

Our rating: 8/10


Thimble Marriage Counselor Insurance

Pros

  • It is very flexible in that it can provide its policyholder with coverages on an hourly, daily, or monthly basis

  • It’s possible to purchase online couples counseling insurance policies

  •  It provides speedy online quotes

Cons

  • It doesn’t underwrite its policies

Thimble is an online insurance agent that is financed by the Markel Insurance Company (a long-standing financially stable insurance company). This insurance agency that specializes in providing quick and temporary insurance policies to small businesses is rated A by the AM Best. Some of the coverages this flexible and competitive insurer provides are business equipment insurance, business owners policy, commercial property insurance, drone insurance, event insurance, errors and omissions insurance, professional liability, workers compensation and general liability insurance policies.

Best for: Marriage counselors who require temporary coverage

Average cost: $64 per month 

Our rating: 8/10


Hiscox Marriage Counselor Insurance

Pros

  • It has an easy-to-use website

  • It has an efficient mobile app

  •  It offers its policyholders discounted policies

Cons

  •  It’s not available in Alaska

Hiscox is an A+-rated insurance company that provides its customers with numerous discounted insurance policies. Having founded in 1901, this insurance company has over the years refined and diversified its coverage policies to business owners policy, errors and omissions, general liability, medical malpractice insurance, professional liability, workers comp insurance, and commercial auto insurance.

Best for: Marriage counselors looking for comprehensive and discounted coverage

Average cost: $82 per month 

Our rating: 8/10

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