The Hartford doesn’t offer psychologist liability insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Psychologist Liability Insurance?
Liability insurance for psychologists is one type of business insurance coverage that helps protect you if a patient claims that you caused an injury or damaged their property. It’s important to remember that liability insurance can’t help cover every kind of claim, so you’ll need to get other types of coverage to have well-rounded protection.
Psychologist insurance can help protect your career and financial well-being from claims related to:
- Breach of confidentiality
- Personal injury
- Defense costs
- Licensing board investigations
While The Hartford doesn’t offer insurance coverage for psychologists, we help connect healthcare professionals like you with Tivly, so you can get the coverage you’re looking for.
Why Might You Need Psychologist Liability Insurance?
While you do everything possible to run a safe and secure practice, your work involves highly sensitive information and delicate situations. An inadvertent data breach or alleged misdiagnosis could lead to lawsuits and financial setbacks for your business. Without insurance coverage, you’d have to cover these costly claims out of pocket.
Who May Need Psychologist Liability Insurance?
Psychologist liability insurance options are tailored to the needs of therapists and other mental healthcare practitioners. This coverage can help protect:
- Independent psychologists and therapists
- Clinical psychologists working in private practice
- Psychologists in group practices
- School and educational psychologists
- Family and marriage therapists
- Child psychologists
- Forensic psychologists
- Counselors for hospitals and clinics
- Online and telehealth psychologists
What Type of Insurance Do I Need for a Psychology Practice?
Many psychologists have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. A BOP includes three key types of coverage to help cover claims of bodily injury and property damage.
A BOP includes:
General liability insurance to help protect your practice from claims that it caused bodily injury or property damage to others.
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to run your practice. These can include:
- Office furniture and supplies
- Computers and network equipment
- Security systems and alarms
- Books and therapy tools
- Signage and decor
Business income insurance to help replace lost income if you can’t operate your practice temporarily because of property damage caused by fire, theft or wind.
It’s important to remember that a BOP won’t protect you from every type of claim your practice faces. You can add other types of coverage to have more protection, such as:
How Much Does Psychologist Liability Insurance Cost?
Psychologist liability insurance costs vary because every business is unique. Some of the average costs The Hartford’s small business customers pay for common types of coverage are:**
- BOP: $1,687 a year, or $141 a month
- Stand-alone general liability insurance: $810 a year, or $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
It's important to remember that the cost of your psychologist liability insurance may differ from these averages. Several factors, such as the size of your practice and where you’re located, may affect your premiums. The best way to determine how much you’ll pay for insurance is to get a free quote online through Tivly.
General Liability Insurance
“My client slipped on a wet floor in my waiting room, and she had to go to the hospital for treatment.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Professional Liability Insurance
“A former client sued me, saying the treatment I provided made their condition worse.”
Professional liability insurance helps protect you from claims related to negligence or a mistake in the professional services you provided to a customer.
Workers’ Compensation Insurance
“One of our admins developed carpal tunnel from typing on the computer. They needed extensive physical therapy to recover.”
Workers’ compensation insurance can help cover medical expenses and lost wages for your employees if they get hurt from their job.
Commercial Auto Insurance
“One of my counselors was picking up office supplies when he rear-ended another car at a stoplight.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a company-owned vehicle for work.
Commercial Property Insurance
“A pipe burst overnight, causing severe damage to our waiting room.”
Commercial property insurance can help protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
Data Breach Insurance
“When our practice’s database was breached, we had to figure out exactly what data was accessed and notify each person impacted.”
Data breach insurance helps you respond if personally identifiable information (PII) or protected health information (PHI) gets lost or stolen. It can help cover the costs to notify impacted individuals.
Get a Quote for Psychologist Liability Insurance
Find the coverage you need to help protect your practice. Get a quote from Tivly today.
Last Updated: February 11, 2026
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed February 2026.
2 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses – 2023,” viewed February 2025.
3 FEMA, “Nonresidential Building Electrical Malfunction Fire Trends (2013-2022),” viewed February 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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