Psychotherapy insurance

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Psychotherapists insurance
Psychotherapists insurance
Psychotherapists insurance
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What is psychotherapy insurance?

Psychotherapist insurance isn’t a single cover; most psychotherapists require a combination of insurance products to meet their needs.

Psychotherapists buy professional indemnity insurance to protect their advice and professional conduct. Public liability defends against claims of injury and third-party property damage. Electronic business equipment insurance covers lost, stolen or damaged computer gear.

How much does psychotherapy insurance cost?

Psychotherapy insurance starts at £7.67 a month. Price varies depending on business size, claims history and chosen limits.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do psychotherapists need insurance?

As a psychotherapist, clients turn to you for guidance and support when they face difficulties. It is important to remember that if a client is unsatisfied with the outcome of your advice, they may hold you responsible.

Failing duty of care claims

Breaching a duty of care that causes harm to someone could result in you or your business facing legal action for professional negligence. 

Accusations of negligence

An accusation of negligence could come your way for various reasons: failure to conform to required standards, damage or loss to a client, failure in duty of care or inappropriate conduct. 

Threats of legal action for overstepping the boundaries

A psychotherapist must keep their clients safe by not crossing any professional boundaries. If a client feels like boundaries have been crossed, you could face a costly professional negligence battle.

Facing a professional body enquiry

If an enquiry from a professional psychotherapy body results in an investigation into your professional conduct, you could be found negligent and face costly legal claims from your clients.  

Professional indemnity insurance for psychotherapy

Professional indemnity insurance protects psychotherapists against legal accusations of professional mistakes, negligence, breach of confidentiality, and more. 

Psychotherapists advise on mental, emotional and behavioural conditions which can have significant real-life impacts.

Professional indemnity insurance is an affordable safety net should this advice go wrong and you need to defend a legal claim from one of your clients.

What does psychotherapy professional indemnity insurance cover?

Professional indemnity insurance covers a variety of legal scenarios stemming from accusations that what you did as a psychotherapist caused harm to your client. 

Cover includes:

  • Failing your duty of care
  • Breach of confidentiality
  • Causing harm
  • Giving the wrong advice or recommendation

For example, you face financial demands from a client because:

  • You inadvertently shared your client’s confidential information with an unauthorised party
  • Your client claims their life has taken a turn for the worse following sessions with you
  • A harm came to your client, which they claim was a result of your advice
  • Your client accuses you of having crossed a professional boundary

Do student psychotherapists need professional indemnity insurance?

Student psychotherapists should have professional indemnity insurance when they start advising people. 

Any guidance a student psychotherapist gives may be deemed professional advice, including advice given during training or gaining qualifications; this applies even if you’re not taking money for your services.

The therapy you provide can still have a life-changing impact on your clients, exposing you to accusations of wrongdoing, even when you’re a student.

Does professional indemnity insurance cover my psychotherapy sessions worldwide?

Your professional indemnity policy's ‘territory or geographical limits’ and ‘jurisdiction’ sections specify if your hairdressing insurance will respond when working in different countries.

Territory or geographical limits:

The territory or geographical limit specifies where you can virtually or physically deliver your services. For example: “Worldwide.”

Jurisdictional limit:

The jurisdictional limit specifies which legal jurisdictions your policy will defend you if you are sued. For example: “Worldwide excluding US and Canada.”

Contract governance:

Any contracts or agreements you enter into with your clients should specify the ‘governing law’ for that contract, which is the jurisdiction in which parties can seek legal remedy for breach of contract.

Avoid entering contracts not governed by your local jurisdiction and/or excluded by your hairdresser’s professional indemnity insurance.

If you work with US and Canadian clients, you can reduce your risk by not entering contracts governed by US and Canadian laws.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your psychotherapist insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I take a break or retire from psychotherapy?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from psychotherapy. Claims against professional misconduct can surface months or years after you delivered the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of psychotherapy you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for psychotherapy

Public liability insurance protects psychotherapists against legal claims arising from accidents, injuries and property damage.

Psychotherapists can have a lot of face-to-face contact with their clients. They may visit clients or have clients come to them; this exposes psychotherapists to public liability claims if an accident happens.

What does public liability insurance for psychotherapy cover?

Public liability insurance covers psychotherapists from claims of causing an accidental injury, property damage or loss. Public liability will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example, you face financial demands because:

  • A client visited you and tripped over a cable, injuring themselves.
  • A client burned themselves while using your coffee machine. 
  • You visit a client and knock over their shelf of treasured possessions.

Other insurance psychotherapists buy

As a psychotherapist, the specific insurance you require will vary based on your individual circumstances. It's important to consider whether you have the financial means to handle a legal conflict and how you would manage a potential tax problem.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect psychotherapists against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist psychotherapists in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You are facing an investigation from a professional body
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Electronic business equipment insurance

These days, psychotherapists rely heavily on electronic equipment to deliver their services. If your business depends on electronic equipment, consider electronic business equipment insurance to protect against lost, damaged or stolen equipment.

Psychotherapists we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of psychotherapists, including:

  • Interpersonal psychotherapists
  • Group therapists
  • Family therapists
  • Behaviour therapists
  • Cognitive therapists
  • Art therapists
  • Acceptance and commitment therapists
  • Couples therapists
  • Hypnotherapists
  • Rapid transformational therapists
  • Play therapists
  • and more..

Shopping for psychotherapy insurance

Whether or not you decide to use Suited counsellor insurance to protect your psychotherapy business, it’s worth keeping the following in mind:

Cheap psychotherapy insurance

When choosing a psychotherapist insurance provider, it's important to consider not only their prices, but also their after-sales service. Some providers may offer lower prices but have poor customer support. To ensure you can easily get in touch with your insurance provider, at Suited we offer multiple contact options and respond promptly.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited only uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly,  amend or cancel your policy. At Suited, we charge no other fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
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FAQs

Common questions

How much coverage do I need for my insurance policies?

The amount of insurance coverage you need as a psychotherapist depends on the type and size of your therapy business, the risks involved, and the regulatory requirements in your specific industry. To know how much coverage your business needs, you should discuss your particular level of need when you take out an insurance policy.

When should I take out insurance as a psychotherapist?

As a psychotherapist, taking out insurance as early as possible in your career is crucial. Ideally, you should obtain insurance coverage before you begin seeing clients. Accidents can happen even with the utmost care, and your business could be at particular risk during its first few months of operation as you find your feet. Delaying your insurance will leave you at risk of costly legal claims should something go wrong. With insurance in place, you’ll have the peace of mind to focus on delivering quality services.

Do I need insurance for psychotherapists if I’m working from home?

As a psychotherapist working from home, you must have professional indemnity insurance. This type of insurance covers claims arising from professional negligence, mistakes, or problems caused by your practice. It protects you from any potential legal and financial consequences if a client alleges that your services have caused them harm. However, public liability insurance may not be necessary if your business operates solely from your home, as it primarily covers third-party injury or property damage in a public or private setting.

Is insurance for psychotherapists a legal requirement?

Insurance for psychotherapists is not a legal requirement in the UK. However, it is highly recommended to protect yourself as a psychotherapist from financial losses due to claims of professional negligence or errors.

Answer 4 questions then select the policies and limits you need.
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Psychotherapists insurance UK
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Go retroactive

Include retroactive cover to insure previous work.

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Monday—Friday, 8:30am to 5:30pm

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If you call to cancel within the first 2 weeks we’ll give you a full refund.

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* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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