Student counsellor insurance

Secure student counsellor insurance quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
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Student counsellor insurance.
Student counsellor insurance.
Student counsellor insurance.
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What is student counsellor insurance?

Student counsellors' insurance usually consists of one or more products, depending on how you work with your clients. 

Professional indemnity insurance should always be at the centre of every student counsellor's insurance. You may need to add public liability insurance if you have regular physical contact with your clients.

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
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

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...

on Trustpilot
14 February

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...

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 student counsellors need insurance?

As a student counsellor, you start delivering your services while gaining qualifications. You’ll need to have student counsellor insurance in place for several reasons. 

The risks you will face professionally are the same as if you were fully qualified. When you start treating clients, potential liabilities and threats could arise during your student counselling activities, and trainee counsellor insurance becomes essential.

Accusations of misconduct or negligence

As a student counsellor, you can face accusations of misconduct or ethical violations from one of your clients.

Personal Injury Claims 

During your counselling session, a situation might arise where a client claims to have suffered emotional distress or other personal injury due to your actions or advice.

Privacy and Data Breach Protection 

Student counsellors deal with sensitive and confidential information about their clients. Sometimes, the need to share information with their supervisors may lead to unintentional data or privacy breaches.

Contractual Obligations

The educational institution where you’re gaining your qualifications will likely require you to be insured. 

Professional indemnity insurance for student counsellors

Even though you’re a student counsellor, you’ll be addressing real clients' real problems during your sessions. Your clients’ heightened emotional state and your student status can lead to a dispute regarding your services.

Professional indemnity insurance for student counsellors will respond to legal claims brought against you by unhappy clients who might accuse you of wrongdoing and demand compensation.

What does student counsellor professional indemnity insurance cover?

Professional indemnity insurance is a legal cover that provides qualified legal defence and pays compensation if you become liable.

Cover responds to client accusations of:

  • Giving the wrong advice or recommendation
  • Confidentiality breach
  • Acting negligently
  • Failing your duty of care

For example, a client may accuse you:

  • Of saying or doing something during a session that was offensive or inappropriate.
  • Accidentally sharing their details with an unauthorised party
  • Providing guidance that led to a harmful outcome

Does professional indemnity insurance for student counsellors cover my activities worldwide?

Your professional indemnity policy's ‘territory or geographical limits’ and ‘jurisdiction’ sections specify if your student counselling 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 student counsellor professional indemnity insurance.

If you work with US and Canadian clients, you can reduce 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 student counsellor insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Public liability insurance for student counsellors

If you regularly see clients face-to-face or visit them, it’s wise to have public liability insurance

Public liability protects you against accusations of causing an accident leading to an injury or property damage.

Public liability can be inexpensive legal protection against compensation demands following unfortunate incidents.

Accidents such as slips or falls happen. You could be blamed for causing an injury or failing to prevent it.

Public liability claims rarely result in substantial compensation claims, but when combined with legal defence costs, a lawsuit can quickly add up.

What does student counsellor public liability insurance cover?

Public liability is helpful when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example 

  • You failed to warn a client that there’s a step to mind, and they injured themselves during a visit to you
  • You have accidentally spilt a hot drink on your client, either causing an injury or damage to their clothing 

Shopping for student counsellor insurance

As a student counsellor, you may find that only some insurers are willing to offer you trainee counsellor insurance. Even with the reduced options, keep an eye on a few aspects.

Cheap student counsellor insurance

When choosing your student counsellor insurance, consider more than just the price. Verify the provider's availability and prioritise both cost and accessibility. Suited offers prompt responses and multiple communication options.

The reputation of the insurer is important

It is often tempting to purchase the cheapest deal on the market. However, double-check who you are buying from and the insurers underwriting your policy. This information should be made very clear to you before purchase.

Many providers charge fees to amend or cancel

Occasionally, updates to your personal or business details are needed. Ensure you understand whether amendments have associated costs; this also goes for cancellations. Will you have to pay a fee, and will you have to give 30 days' notice rather than just be able to cancel immediately?

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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Common questions

What student Counsellor insurance do I need?

You will need professional indemnity insurance, sometimes called malpractice cover, and public liability cover.

Is student Counselling insurance expensive?

Insurance for student counsellors doesn’t tend to be expensive, but it is sometimes hard to get as not every insurance provider offers insurance to councillors in training.

Does student counsellor insurance have any limitations or restrictions?

This can vary among the different insurance providers. Suited provides the same cover to fully qualified student counsellors.

What if I don’t finish my training/qualifications?

Suited can only offer insurance to counsellors in active formal training or those who are fully qualified.

Answer 4 questions then select the policies and limits you need.
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Counselling insurance UK
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Include retroactive cover to insure previous work.

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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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