Protect your license and your practice.
Professional liability for licensed therapists, counselors and psychologists, including license defense for board complaints and coverage for telehealth sessions.
Quick answer A counselor or therapist typically carries professional liability (malpractice) insurance, which usually includes license defense for board complaints; group practices can add general liability, cyber and employment coverage.
- Therapists face malpractice claims and, more often, complaints to their licensing board, which can be costly to defend even when dismissed.
- An employer's policy may cover a therapist's work there, but not private practice or license complaints, so many clinicians carry their own.
- Therapist liability policies usually cover telehealth sessions, including for clients located in states where the therapist is licensed.
- Therapy associates need coverage too, and supervisors and employers often require associates to carry it.
- Many therapist liability policies include license defense coverage at a set limit.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Claims and board complaints
Therapists face malpractice claims and, more often, complaints to their licensing board. Defending a board complaint can be costly even when it's dismissed.
A therapist professional liability policy covers malpractice claims and usually includes license defense coverage. Group practices can add general liability, cyber and employment coverage.
- Professional liabilityMalpractice claims from clients.
- License defenseCosts to respond to board complaints.
- TelehealthSessions you conduct online.
- General liabilityOffice injuries, for practices.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- License: type and number.
- Practice: solo, group or employed.
- Clients: adults, couples or minors.
- Telehealth: how much you see clients online.
- Experience: years in practice.
- History: any claims or complaints.
Therapist liability insurance, answered
Does my employer's policy cover me?
It may cover your work there, but not private practice or license complaints. Many clinicians carry their own.
Is license defense included?
Many therapist policies include it at a set limit. I'll compare the limits.
Are telehealth sessions covered?
Usually, including for clients located in states where you're licensed.
Do associates need coverage?
Yes. Supervisors and employers often require associates to carry it.
Do you offer therapist and counselor liability insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your license type. I'll shop it.
Your license, practice type and years in practice are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.