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What is therapists’ and counsellors’ insurance?
Therapists’ and counsellors’ insurance includes a combination of covers designed to protect those who provide therapy and counselling services from risk. By securing insurance with Ollo, you can tailor your cover to provide the specialised coverage you need to meet your professional needs, ranging from offering guidance and helping to manage stress to creating a safe and confidential space.
This insurance typically includes professional indemnity, helping you to operate with peace of mind knowing you are protected against potential financial repercussions.
| Professional negligence | |
| Injuries caused to third-parties during business activities |
Why do therapists and counsellors need insurance?
Therapists’ and counsellors’ insurance ensures that professionals are protected financially against potential lawsuits or claims that can arise from the nature of their work. This cover safeguards against claims of professional negligence or errors made during the course of offering therapy or counselling services. This insurance provides peace of mind, allowing therapists and counsellors to focus on providing their services without the worry of legal repercussions or financial loss.
If you offer your therapist or counselling services from a dedicated premise, securing buildings and contents insurance protects your business in the event of any theft or accidental damage, and if you employ anyone, you are required by UK law to have employers’ liability insurance.
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What insurance do therapists and need?
What therapists’ and counsellors’ insurance can cover?
Our therapists’ and counsellors’ insurance covers your legal costs and expenses in defending a claim, any compensation or costs that may subsequently be awarded, in addition to any repairment or replacement costs if your building or contents experience damage or theft (please check your policy terms and conditions for full conditions), following:
What can be covered:
| Unintentional breach of confidentiality – such as accidently sharing your client’s personal details | |
| Injuries caused to third-parties during business activities – such as a client slipping when visiting your business premises |
What cannot be covered:
| Professional indemnity – (awaiting insurer documentation to provide an example) | |
| Deliberate or reckless acts you commit – for example, public liability insurance would not cover if yourself or an employee caused deliberate harm to a member of the public | |
| Existing legal issues – for example, legal expenses insurance does not cover the costs of any legal issues which already exist when you secure the insurance |
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
Browse all FAQsProfessional indemnity insurance is required for therapists and counsellors who see clients in a professional capacity, as stated by the British Association for Counselling and Psychotherapy.
The level of public liability insurance you need depends on various factors, including the size of your business and the level of risk associated with your unique business operations.
Therapists and counsellors are required to hold professional indemnity insurance for therapy or counselling online, as well as offline. Securing additional insurance, such as legal expenses and cyber insurance, can also help to mitigate any risks you may encounter whilst performing your professional duties.
If you have any questions, contact one of our insurance experts here.
Further reading for therapists' insurance
Understanding the different types of business insurance
Written by Michael Lawrence
What is professional indemnity insurance?
Written by Michael Lawrence