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

Table of contents
1. General Liability Insurance for Marriage Counselors1.1. Costs Covered by General Liability Insurance1.2. Adds-Ons for General Liability Insurance for Marriage Counselors1.3. Situations Where Marriage Counselors Can Use General Liability Insurance2. Professional Liability Insurance for Marriage Counselors2.1. Costs Covered by Professional Liability Insurance for Marriage Counselors 2.2. Add-Ons for Professional Liability Insurance for Marriage Counselors2.3. Circumstances Under Which the Professional Liability Insurance for Marriage Counselors May be Used3. Commercial Property Insurance for Marriage Counselors3.1. Costs Covered by Commercial Property Insurance for Marriage Counselors3.2. Add-Ons for Commercial Property Insurance for Marriage Counselors3.3. Circumstances Under Which Commercial Property Insurance for Marriage Counselors May be Used4. Business Owner’s policy for Marriage Counselors4.1. Costs Covered by Business Owner's Policy for Marriage Counselors4.2. Add-Ons to Business Owner's Policy for Marriage Counselors5. Commercial Auto Insurance for Marriage Counselors5.1. Costs Covered by Commercial Auto Insurance for Marriage Counselors5.2. Add-ons to the Commercial Auto Insurance for Marriage Counselors5.3. Situations in Which Marriage Counselors Can Use the Commercial Auto Insurance for Marriage Counselors5.4. Coverage Limit of the Commercial Auto Insurance for Marriage Counselors6. Marriage Counselor Insurance Cost7. Best Marriage Counselor Insurance Companies 7.1. NEXT Marriage Counselor Insurance 7.1.1. Pros7.1.2. Cons7.2. CoverWallet Marriage Counselor Insurance 7.2.1. Pros7.2.2. Cons7.3. The Hartford Marriage Counselor Insurance 7.3.1. Pros7.3.2. Cons7.4. Tivly Marriage Counselor Insurance 7.4.1. Pros7.4.2. Cons7.5. Thimble Marriage Counselor Insurance 7.5.1. Pros7.5.2. Cons7.6. Hiscox Marriage Counselor Insurance 7.6.1. Pros7.6.2. Cons

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)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
License defense coverage included?NoNoNoNoNo
HIPAA coverage included?NoNoNoNoNo
Sexual harassment coverage included?NoNoNoNoNo
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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