Does mental health counselor insurance cover telehealth or online therapy risks?

Yes! If you include the right coverage.  

  • Professional liability policies typically extend to telehealth services, but you’ll want to confirm that your insurer lists teletherapy, online counseling, or virtual care within your covered services.  
  • Cyber liability coverage is especially important here, as the U.S. Department of Health and Human Services (HHS) notes that HIPAA security standards apply to online platforms just as they do to in-person care. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.