Art Therapy Insurance Washington

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Get WA small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Frequently Asked Questions About Small Business Insurance


What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. Other types to consider are: commercial auto, professional liability, cyber liability, inland marine and others. It all depends on the risks your business faces. Read more...

How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of unexpected risks, and will form the foundation of your business financial protection. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Art Therapy Insurance Washington Policy Information

WA Art Therapy Insurance

Art Therapy Insurance Washington. Art therapists use various tools alongside careful assessment to help people work through mental, physical and emotional blockages in their lives. But offering such services comes with risks.

Sometimes, you may give advice or counsel that a client misinterprets, which can lead to self-harm. A lawsuit could be brought against you by the client. At that critical moment, nothing in the world will be more reassuring than knowing you have your own art therapy insurance Washington policy.

Art Therapy insurance Washington protects your practice from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Why Do Art Therapists Need Business Insurance?

As an art therapist, you've dedicated your career to helping others, and you should be free to focus on clinical care without worrying about a threat to your livelihood. With art therapy insurance Washington, you can have peace of mind knowing you're protected in the event of a claim or suit, a grievance from a regulatory board, plus many other coverage benefits.

Professional Liability Insurance For Art Therapy

Also know as errors and omissions (E & O) - art therapists' professional liability insurance is specifically designed to cover all of your work as an WA art therapist including, where appropriate work as an educator, trainer or supervisor. Some companies allow you to extended to include other work such as hypnotherapy, psychotherapy, counseling & life coaching.

Following are some of the more common types of professional art therapy insurance Washington coverage:

  • Negligence - Professional liability covers alleged mistakes or advice your make through professional art therapy services (including failure to perform those services).
  • Undelivered Services - If you promise your patient a result your don't deliver, errors and omissions can help cover the breach-of-contract lawsuit expenses.
  • Defense Costs - Includes coverage for defense costs for law suits against your you - regardless of fault.
  • Personal injury - Can provide protection for small businesses against both libel and slander if it's committed as part of your professional services.
  • Copyright infringement - Can provide coverage for damages or claims expenses for copyright infringement.

"Claims Made" Coverage Most art therapy insurance Washington plans offer "claims-made" coverage. This means that your policy must be in place both when an incident occurs and when you file your claim. Most WA art therapists only realize this important caveat once they cancel coverage and try to submit a claim. However, it's not a good idea to only carry professional liability insurance when you are under contract - it's best to carry it for the entire life of your practice.

What Limit Of Coverage Do I Need?

This depends on your circumstances. If you need E&O insurance for a specific contract, it's likely the client will have specified a minimum amount. Otherwise, consider a worst case scenario if you were to make a mistake in a piece of work for a client, and estimate the cost of putting it right. One million dollars is a standard minimum amount for most small practices.

Other Important Art Therapy Coverages

Home Business Insurance: Do you practice from home or have an office? You may be required to up-date your insurance policy to account for the extra activity. You may need specialist home insurance for art therapists, in addition to your professional liability policy.

Worker's Compensation Insurance: It mandatory most states for every art therapy company who has any non-owners employees to have workers comp. WA workers compensation insurance is there to protect the employees with medical and disability of an on-the-job injury. While serious injuries are rare for art therapists, this art therapy insurance Washington benefit provides lost income and pays for medical expenses for the injuries.

Commercial Property Insurance: Your art therapy practice provides a valuable service to your community. And in order for it to run effectively, you rely on various equipment and supplies to perform your work. But when natural disasters, fires, or criminal activity strike your facility, you need help fast. Business property insurance offers coverage to make the necessary repairs to your office, replace your equipment, and ensure you still make payroll.

WA Art Therapy Insurance

As a profession, art therapy is relatively low risk - but - you do need to protect yourself and your business. In today's world, people are increasingly ready to take legal proceedings for compensation and the incidence of claims against art therapists are on the rise. The unexpected can - and sometimes does happen, and the price of professional liability policy is a tiny fraction of the likely cost of a claim.

Washington State Economic Outlook & Business Insurance Requirements

For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.

Made In Washington

If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.

State Of The Economy In Washington

Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2019 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2019, with a forecasted rate of 4.7 percent.

Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.

Commercial Insurance Requirements In WA

The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.

While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.

Additional Resources For Medical Insurance

Discover small business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Medical And Dental Insurance

Health care providers are the most trusted individuals in our society. Ironically, they are the same ones who can do the greatest harm. They actually have the right to invade our bodies with knives and to poison us with chemicals - all in the name of health care and with the goal of relieving our symptoms and hopefully bringing about a cure.

While the actions of these professionals normally benefit us, insurance coverage must be available for the times when mistakes happen and things go wrong. These professionals and their facilities have extensive property exposures that are becoming more and more intricate and whose values are increasing exponentially.

The 'one size fits all' approach that once could have applied to insurance for health care providers and their facilities no longer applies.

Professional liability offers protection against claims of malpractice for all sums that the medical professional becomes legally obligated to pay as damages because of rendering or failing to render professional services.

Professional and medical malpractice exposures are the most expensive and difficult of all exposures for health care providers. The commercial general liability policy excludes these exposures so separate coverage is needed. Most professional liability policies are written on a claims-made basis and, as a result, tail coverage and retroactive dates are important coverage issues to be aware of when evaluating the insured’s coverage needs and comparing coverages.

The coverage provided is often called medical malpractice. For decades, many involved in the health care field and insurance companies that provide insurance coverage to providers have stated that malpractice lawsuits have created an ongoing crisis of restricting insurance availability, due to loss of insurance companies that write the coverage and significant rate increases.

As a result, state legislatures have taken the following actions to address the situation:

Imposed a dollar limitation of liability for malpractice suits.

Modified statutes of limitation to limit the number of years that a suit may be brought against a physician following a negligent act.

Modified when the statute of limitations takes effect. An example is beginning from a negligent act's occurrence rather than from its discovery.

Passed laws to modify tort law procedures and doctrines that relate to malpractice.

Because of differences in law by state it is important to know the states in which the covered health care providers are licensed and regularly practice. Some health care providers may practice in multiple states because of their particular specialty, their reputation or the demand for their services. Some hospitals may have ownership in facilities or provide services to patients that are outside of their main location state.


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