Marriage and Family Therapist Insurance — Coverage, Cost & Requirements

Marriage and family therapists (MFTs) require professional liability (malpractice) coverage for treatment decisions, missed diagnoses, and duty-to-warn failures. Telehealth expansion has added cyber liability exposure for video session privacy. HIPAA violations from improper record handling trigger regulatory penalties. General liability covers the therapy office premises.

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What Coverage Does Marriage and Family Therapist Insurance Include?

Most marriage and family therapist businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.

Professional Liability (Malpractice)

Professional Liability (Malpractice) coverage tailored for marriage and family therapist businesses.

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General Liability

Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.

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Cyber Liability

Covers data breach response, ransomware, notification costs, and cyber liability.

HIPAA Compliance Coverage

HIPAA Compliance Coverage coverage tailored for marriage and family therapist businesses.

Business Owner's Policy

Business Owner's Policy coverage tailored for marriage and family therapist businesses.

How Much Does Marriage and Family Therapist Insurance Cost?

The cost of marriage and family therapist insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.

$55–$250
per month (estimated)
Most small marriage and family therapist businesses pay between $55 and $250 per month for a general liability policy. Adding workers' comp, commercial auto, or a BOP will increase costs. Get a free, exact quote from NEXT Insurance in about 10 minutes.

⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.

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Frequently Asked Questions

Most marriage and family therapist businesses pay between $55 and $250 per month for general liability. Adding workers' comp or commercial auto increases the total.