Counseling Center Insurance Rates
How Much Is Business Insurance for Counseling and Referral Services?

Whether you provide nonprofit counseling and referral services for children, married couples, or substance abusers, your line of work means there’s a lot on the line. A single accident could jeopardize the organization you’ve built if you don’t have the appropriate business insurance policies to protect it.

The costs below can help you get an idea about how much counseling and referral services pay for insurance, but keep in mind that your actual premiums depend on the specifics of your business.

Note: Sample quotes represent the median costs for coverage. Actual premiums may vary.

HOW MUCH IS
General Liability Insurance?

What Does General Liability Insurance Cost?

Running a counseling or referral service exposes you to a few basic liabilities that nearly every business contends with. General Liability Insurance can address these liabilities, which include third-party lawsuits over bodily injuries, property damage, and reputational injuries. If a client is injured in your office or another counselor accuses you of slander, this policy can provide funds to cover the lawsuit expenses.

General Liability Insurance typically costs $425 to $580 for counseling and referral services.

Average Premiums, Deductibles, and Limits on General Liability Insurance Policies for Counseling and Referral Services
Policy Element USD

Median premium:

$425-$580

Per-claim limit:

$1 million

Aggregate limit:

$2 million

Median deductible:

$0

HOW MUCH IS
a BOP?

What Does a Business Owner’s Policy Cost?

If you want both General Liability and Property Insurance, ask your agent about a Business Owner’s Policy. A BOP bundles the two policies together at a discounted rate, meaning you pay less than what you would if you bought them separately.

BOPs typically cost $500 to $670 for counseling and referral services.

Average Premiums, Deductibles, and Limits on Business Owner’s Policies for Counseling and Referral Services
Policy Element USD

Median premium:

$500-$670

GL per-claim limit:

$1 million

GL aggregate limit:

$2 million

Property limit

Varies

Median deductible:

$500

How to Get Free Quotes for Your Counseling and Referral Service

All you need to do is fill out an online insurance application to get free business insurance quotes sent directly to your inbox.

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