Michigan Educational, Guidance, School, and Vocational Counselors businesses pay $125–$625/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Detroit | $181–$906/mo | Compare → |
| Grand Rapids | $138–$688/mo | Compare → |
| Warren | $144–$719/mo | Compare → |
| Sterling Heights | $148–$738/mo | Compare → |
| Lansing | $131–$656/mo | Compare → |
| Ann Arbor | $156–$781/mo | Compare → |
| Flint | $119–$594/mo | Compare → |
| Dearborn | $144–$719/mo | Compare → |
| Livonia | $150–$750/mo | Compare → |
| Troy | $156–$781/mo | Compare → |
| Wayne County | $175–$875/mo | Compare → |
| Oakland County | $163–$813/mo | Compare → |
| Macomb County | $148–$738/mo | Compare → |
| Kent County | $138–$688/mo | Compare → |
| Genesee County | $119–$594/mo | Compare → |
| Washtenaw County | $156–$781/mo | Compare → |
| Ingham County | $131–$656/mo | Compare → |
| Kalamazoo County | $131–$656/mo | Compare → |
| Ottawa County | $125–$625/mo | Compare → |
| Saginaw County | $119–$594/mo | Compare → |
Educational, Guidance, School, and Vocational Counselors businesses in Michigan typically pay $125–$625/month for professional liability insurance (e&o). Rates vary by city, revenue, employee count, and claims history.
Michigan doesn't legally mandate professional liability insurance (e&o) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Professional Liability Insurance (E&O) protects against claims that your professional advice or services caused a client financial harm. For Educational, Guidance, School, and Vocational Counselors businesses, key covered scenarios include: Client injury during session or class; Slip and fall in facility; Equipment malfunction causing injury.
Top exposures: (1) Client injury during session or class, (2) Slip and fall in facility, (3) Equipment malfunction causing injury, (4) Class participant medical emergency.
Top carriers in Michigan for Fitness & Wellness businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Educational, Guidance, School, and Vocational Counselors policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Michigan cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.