The Hartford doesn’t offer SLP 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 SLP Liability Insurance?
Speech pathology liability insurance is made up of different types of business insurance coverages designed to help protect your practice from claims that it caused bodily injury or property damage. Insurance coverage can help safeguard speech-language pathologists against the common risks of their industry, like misdiagnoses or office injuries. With SLP liability insurance, you can rest easy knowing you're better prepared to deal with challenges.
The Hartford understands the unique risks speech language therapists face. That’s why we help connect you to Tivly, so you can get a quote for speech therapy liability insurance coverage.
Why Do I Need Speech Pathologist Liability Insurance?
Even the most experienced SLPs face risks in their everyday work. Whether it's an injury on your property or a lawsuit from an unhappy client, unexpected claims can hurt your business. Without insurance, a single claim could have significant financial consequences.
SLP liability insurance can help protect you from:
- Malpractice claims: You could be accused of negligence, misdiagnosis or improper treatment. Insurance helps shield you from these legal and financial impacts.
- Client injuries: Whether a client slips in your office or trips over therapy equipment, accidents can happen. Insurance can help cover the costs.
- Telehealth risks: As remote services become more common, insurance can help protect you from telehealth-related claims and technical issues, including data breaches.
How Much Does SLP Professional Liability Insurance Cost?
Although The Hartford doesn’t offer insurance solutions for speech-language pathologists, here are the average costs our small business customers have paid for coverage:**
- Business Owner’s Policy (BOP): $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
What you pay for speech-language pathology insurance will vary because every business is unique. Insurance companies may base the cost of your coverage on different factors, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- Coverage limits you select
The best way to find out your SLP business insurance cost is to get a free online quote from Tivly.
What SLP Liability Insurance Coverages Do I Need?
When it comes to safeguarding your speech therapy practice, you need protection that matches your potential risks. Your liability insurance policy can include many different coverages, like:
General liability insurance to help protect your practice from claims that it caused bodily injury or property damage to others, like if a delivery driver trips on icy steps.
Workers’ compensation insurance to help support your employees if they need medical treatment or time off to recover from a work-related injury or illness.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees is using a company-owned vehicle for work, like if you’re headed to an in-home session or picking up supplies.
General Liability Insurance
“A delivery driver slipped on our stairs and hurt his ankle. He sued my practice to pay for his medical bills. I had no idea how expensive it was going to be.”
General liability helps cover claims that your speech therapy practice hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
Employment Practices Liability Insurance
“One of our former employees filed a formal discrimination complaint after they lost their job.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my therapists hurt her wrist during a session, making even simple tasks painful. She needed physical therapy and time off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work.
Professional Liability Insurance
“My client’s parents felt their child wasn’t making progress with one of my therapists. They sued my therapist and the practice, claiming we didn’t provide adequate services.”
Professional liability insurance helps cover claims that your practice made a mistake in the services it gave to a client. It can help cover legal costs, such as attorney fees, judgments and settlements. This coverage is also known as malpractice insurance.
Commercial Property Insurance
“During a storm, a tree fell on our building, damaging everything inside. We had to replace furniture, computer equipment and assessment tools.”
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
Commercial Auto Insurance
“One of my therapists went to pick up more office supplies with our business’ van when he side-swiped a parked car.”
Commercial auto insurance helps cover claims resulting from an accident when you or an employee uses a company-owned car for work.
Protect What You’ve Built With Liability Insurance for Speech-Language Pathologists
Your speech therapy business needs reliable protection. Get a quote through Tivly today, so you can continue delivering exceptional care with confidence.
Last Updated: January 29, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims,” viewed January 2026.
3 U.S. Bureau of Labor Statistics, “Injuries, Illnesses, and Fatalities,” viewed March 2025.
4 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth,” viewed March 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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