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?
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
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
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.
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
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
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.
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
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
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
The coverage limit of commercial auto insurance for marriage counselors is $25,000-$1,000,000.
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 |
Get all the best quotes from leading providers in a click of a button!
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:
Its policies are customizable
It offers discount incentives on bundled policies
You can conveniently access your certificate of insurance online
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
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
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
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
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
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
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
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
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
It has an easy-to-use website
It has an efficient mobile app
It offers its policyholders discounted policies
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
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!