Do I Need Insurance as a Doula?

As a doula, your primary focus is supporting your clients. However, before you can do that you need to make a good number of decisions about your business and how it will operate. From insurance considerations to marketing strategies, each choice plays a crucial role in shaping the trajectory of your professional journey as a doula. As for the common question asked by new doulas: “Do I need insurance?” - Yes, it's generally advisable for doulas to have insurance. Insurance serves as a safety net, providing protection for both you and your clients

The 3 types of insurance you should consider as a doula:

1. Professional Liability Insurance:

This type of insurance is absolutely necessary for doulas and is now required by many training organizations and doula agencies. It shields you from claims stemming from errors or negligence while conducting your professional services. For example, if a doula advises a client on a course of action during during birth or gives advice on how to swaddle, and there is an adverse outcome, the client might claim that the advice caused unnecessary damage or discomfort. Professional liability insurance can cover legal fees and any resulting damages, offering peace of mind to both parties.

2. General Liability Insurance:

General liability insurance is needed to provide coverage for unexpected incidents during your work, such as accidental damage to a client's property while setting up for a prenatal appointment or a slip-and-fall accident that occurs during a childbirth education workshop. This insurance ensures that you are protected against potential claims of injury or property damage, allowing you to focus on your clients' needs without worry.

3. Health Insurance:

Many doulas are self-employed which means you’ll need to pay out of pocket for health insurance and find a plan that best suits you. Investing in health insurance ensures that you can seek preventative medical services and acute care when needed, allowing you to maintain optimal health while supporting others through pregnancy and childbirth.

In addition to the practical benefits mentioned here, having insurance adds a layer of professionalism to your doula practice. It demonstrates a commitment to ethical standards and client safety, which can be reassuring for your clients. As we already mentioned, many professional doula associations and certifying bodies require their members to carry insurance as part of their professional standards, underscoring its importance within the field.

While the decision to invest in insurance as a doula may seem daunting, especially if you’re a brand new doula, it is a necessary step to protect both yourself and your clients. Professional liability insurance, general liability insurance, and health insurance all play vital roles in safeguarding you and your doula practice and ensuring continuity of care for your clients.