Save up to 30% on your business insurance

Unwind with peace of mind – Get covered as a therapist!

At Coverage Cowboy, we understand the importance of protecting your reputation and your business as a therapist. That’s why we have created a tailored insurance package that can help protect you from any potential risks that might arise during your practice.

Our therapist insurance coverage can help you protect your business against claims of negligence or malpractice, and can also provide you with protection against property damage or theft. Our experienced agents will work with you to create an insurance policy that ensures your business is properly protected, leaving you to focus on your clients’ well-being.
  • General Liability
  • Workers' Compensation
  • Professional Liability

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Therapist businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is crucial for therapists as it protects them from lawsuits related to bodily injury, property damage, and personal injury. For instance, if a client slips and falls in your office, general liability insurance can cover the medical expenses and legal fees associated with the incident.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

For therapists who travel to see clients, commercial auto insurance is crucial. It provides liability and physical damage coverage for vehicles used for business purposes. For example, if a therapist’s car is involved in an accident while on the way to a client’s home, commercial auto insurance would cover the damages and any resulting medical expenses.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance can be crucial for therapists who work in private practice or for larger organizations. This insurance protects therapists in the event of workplace injuries or illnesses sustained by their employees. For example, if a therapist’s receptionist falls and injures themselves while on the job, workers’ compensation insurance can cover their medical expenses and lost wages.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

For therapists who own commercial property, having property insurance is crucial. Property insurance can protect your business from unexpected events such as fire, theft, and natural disasters. With property insurance, therapists can focus on providing quality care to their patients, knowing that their business is protected. For example, if a therapist owns a private practice building and a fire breaks out, property insurance can help cover the cost of repairs and lost income.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Therapist business insurance

How does business insurance protect therapists?
As a therapist, you help people work through their problems and achieve peace of mind. But who helps you when unexpected problems arise in your practice? That’s where our therapist insurance comes in. Here are some ways it can protect you and your business:
General liability insurance
If a client is injured while visiting your office, general liability insurance can help cover their medical expenses and protect you from a lawsuit. For example, if a client trips over a rug in your waiting room and breaks their ankle, your general liability policy can help cover their medical bills and legal fees if they sue you.
Professional liability insurance
Also known as malpractice insurance, this coverage can help protect you if a client sues you over a professional mistake. For example, if a client accuses you of giving them bad advice that leads to negative consequences, professional liability insurance can help pay for your legal fees and any damages you’re ordered to pay.
Cyber liability insurance
If your practice stores sensitive client information on computers or the cloud, you’re at risk for data breaches and cyber attacks. Cyber liability insurance can help pay for the costs of a breach, such as notifying affected clients, hiring a PR firm to restore your reputation, and providing credit monitoring services.
Business interruption insurance
If your practice has to close temporarily due to a covered event, such as a fire or natural disaster, business interruption insurance can help cover your lost income and ongoing expenses, such as rent and utilities.
Workers’ compensation insurance
If you have employees, workers’ comp insurance is usually required by law. This coverage can help pay for medical expenses and lost wages if an employee is injured on the job. For example, if an employee slips and falls while making a copy for a client, workers’ comp insurance can help cover their medical bills and lost wages.
With our therapist insurance, you can focus on helping your clients without worrying about unexpected events that could derail your practice.
What do I need to get an insurance quote?

Thank you for considering Coverage Cowboy for your therapist insurance needs! To obtain a quote, we will need some basic information about your practice, including:

  • Your name and contact information
  • Type of therapy you practice
  • Location of your practice
  • Number of employees (if any)
  • Rough estimate of your annual revenue
  • Any additional services you offer (e.g., group therapy, teletherapy)

With this information, we can provide you with a customized quote that meets your specific needs as a therapist. Contact us today to get started!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.