Occupational coverage
Professional Liability / E&O and General Liability for independent consultants providing educational guidance and counseling services — advice and recommendations about a student’s educational path, separate from a school’s own staff.
This page covers independent providers of educational guidance and counseling — advising students and families on educational placement, program fit, and learning-environment recommendations, delivered as a paid professional service outside of a school’s own staff.
It is not the same as licensed clinical or therapeutic counseling, which involves a different license, a different risk profile, and falls outside this program’s current appetite. If your practice includes licensed clinical counseling, tell us specifically on the quote form so we can confirm what is and isn’t eligible.
A W-2 school counselor is typically covered under their employer’s policy for work performed as an employee — that coverage doesn’t extend to independent guidance work done outside that role. This program is for independent practices billing their own clients directly, not for employees of a school district.
To be direct about a common point of confusion: this program is not built around the college-admissions placement profession sometimes referred to as “independent educational consulting” in that specific industry sense. If your practice is centered on college, boarding school, or graduate school admissions placement, that work is outside this program’s current appetite.
A typical scenario: a consultant recommends a particular program, placement, or learning approach for a student, the family acts on it, and the outcome disappoints — they allege the guidance was negligent or that relevant information wasn’t disclosed. Professional Liability / E&O is the coverage designed to respond to a covered claim of that kind, subject to the policy’s terms, conditions, and exclusions.
It is not a guarantee that a recommended placement or program will work out for a particular student, and it does not cover every family disagreement or dissatisfaction with an outcome.
Guidance and counseling work often involves sensitive information about a student’s academic history, learning needs, or family circumstances. While this program’s core coverages are Professional Liability / E&O and General Liability rather than a dedicated data-privacy product, how you document and safeguard that information can matter if a claim is ever filed — keep clear, limited-access records of what was shared and what was recommended.
Many guidance and counseling consultants work in coordination with a student’s existing school, therapists, or other professionals. Coverage under this program follows your own advisory work — it does not extend to the school or other professionals you coordinate with, each of whom carries their own coverage.
No. This program is built around independent educational guidance and counseling services under NAICS 611710, not the college-admissions placement profession. If your practice centers on college or boarding-school admissions placement, that work is outside this program’s current appetite.
Generally no. Licensed clinical or therapeutic counseling is a different professional activity with its own risk profile and falls outside this program’s current appetite.
Your employer’s policy only covers your work as their employee — it doesn’t extend to private guidance work you bill separately. Tell us specifically about that work on the quote form so we can confirm eligibility rather than assuming it qualifies.
Coverage may help respond to certain covered claims alleging negligent guidance, subject to the policy’s terms, conditions, and exclusions. It’s not a guarantee that every placement or recommendation succeeds, and general dissatisfaction with an outcome isn’t the kind of claim this coverage is built to address.
Guidance and counseling is about advice and placement recommendations. Testing and evaluation is about administering and interpreting assessments and delivering evaluation reports. Many practices do both — describe your full scope on the quote form and we’ll quote accordingly.
Educational Consultant Insurance connects you with licensed agents who build your custom quote — typically back the same business day, subject to underwriting.
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