Speech Therapist Insurance

Save up to 25% on business insurance for speech therapists and speech language pathologists.*

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Insurance for speech therapists and speech pathologists could help protect you from:

The costs of professional mistakes

A client claims a mistake in your work negatively affected their progress or outcome and led to a financial loss.**

Legal claims of professional negligence

If someone alleges that an omission in your work caused them a loss or that your work did not meet professional standards.

Court fees and the costs of your legal defense

Even if you’re found not to be at fault, you’ll need an attorney to defend your business in a lawsuit after a claim.

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Get speech therapist insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Speech therapist insurance — including coverage for speech language pathologists (SLPs) — can help cover the cost of some unexpected events, such as liability claims related to therapy services, session-related injuries or damaged business property.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

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ERGO NEXT specializes in business insurance for speech therapists

Insurance for speech therapists is usually several types of policies working together to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for speech language pathologists

Protection for damages to other people's property and injuries to non-employees

If you run a private practice out of an office, visit clients’ homes or provide services in schools or clinics, general liability insurance could help if a non-employee is injured during a session or if you accidentally damage someone else’s property while you’re working.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Advertising injury

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Professional Liability insurance for speech language pathologists

Protection from the costs of professional mistakes or omissions that cost a client money

The American Speech-Language-Hearing Association (ASHA) encourages SLPs to carry professional liability insurance if they work in private practice, or are self-employed as independent contractors. Professional liability insurance for speech language pathologists — also called errors and omissions insurance, or E&O — could help provide financial protection if a client claims your services, advice or documentation led to harm or a loss or didn’t meet professional expectations.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

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Workers’ Compensation insurance

For employee work-related injury and illness

If you hire employees to support your speech therapy practice, workers’ comp insurance may be required by state law. This coverage could help cover medical bills and lost wages if an employee is injured or becomes ill because of their job.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

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Commercial Property insurance

For business owners who own or rent physical spaces

Commercial property insurance can help protect the equipment, supplies and furniture you have inside your speech therapy practice and the building itself — whether you work out of your home, an office, clinic or shared space. If your business property is damaged by a covered event such as a fire, burst water pipe, theft or vandalism, this coverage could help with costs.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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Business Owner’s Policy (BOP insurance)

Combined coverage for injuries and property damage

A Business Owner’s Policy (BOP insurance) bundles general liability insurance and commercial property insurance into one policy, often at a lower cost than buying two separate policies. For speech therapists who operate private practices or small clinics, a BOP can offer a simple way to help protect both your space and your business operations.

business owners policy can help you pay for:

Customer injuries (a.k.a bodily injury)

Property damage

Business income interruption

Equipment breakdown coverage

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Cyber Liability insurance

Protection against cyber incidents and data security issues

Cyber liability insurance, an add-on to general liability or professional liability coverage, could help protect your speech therapy practice if sensitive digital client information is lost, stolen or exposed. This coverage can be especially important for SLPs who handle HIPAA-regulated health information through electronic records or telehealth tools.

cyber liability can help you pay for:

Data breaches

Cyber attacks

System failures

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ERGO NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought ERGO NEXT was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

Great!

Hassle free and great to work with. Affordable.

Anthony G.

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

Save up to 25% in discounts on speech therapist insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does speech therapist insurance cost?

Insurance for speech therapists may be more affordable than you might think. The cost of your policy depends on several factors, including:

The type of speech therapy services you provide
Where you work (office, school, in-home or remote)
Your number of employees
Your business’ annual revenue
State licensing rules
The coverage limits and deductible you choose
Your insurance claims history

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

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How can insurance for speech therapists help your business?

You might need speech therapist or speech pathologist insurance to help your business:

Respond to treatment-related legal claims against you. A professional liability insurance policy could help with your defense if a client claims a therapy error, documentation issue or unmet expectations caused harm or loss – even if you’re found not to be at fault.
Protect your workspace and equipment. Property insurance could help repair or replace your workspace, technology and office equipment after covered damages.
Deal with hacks and system failures that affect your business. If sensitive client data is exposed through a cyberattack or data breach, insurance may help cover some costs.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Travel for sessions. If you or your employees drive to clients’ homes, schools or outpatient clinics, you may need commercial auto insurance for work-related driving.

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Speech therapist insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.