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