For a therapist, professional liability insurance (also called ) is the essential safety net. Providers like Hiscox and Howden offer tailored policies to cover the specific risks of the "talking cure."

There is ongoing tension regarding session lengths. While many clinicians are trained for 50–60 minute sessions, some insurers favor shorter 45-minute blocks to control costs, sometimes leading to audits or claim denials for therapists who consistently bill for longer sessions. The Rise of Middlemen

The more complex "story" lies in how therapists interact with a patient's health insurance. This determines whether a session costs a client $20 or $200.