Insurance for counsellors and therapists

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

Counsellor liability limits up to £2m
Low prices, no extra charges or APR
Change or cancel anytime
Rated by customers
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Insurance for counsellors and therapists.
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Priced in a Jiffy
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subscription model
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The problem

Counsellors and therapists face many risks

Financial claims from unhappy clients

Helping people deal with emotional problems or trauma requires undivided attention and delicate approach which inevitably carries risks.

A man in a suit walking with slumped shoulders.

Client injury on your premises

If you see clients face to face at your premises, there are risks of trips or falls during a session with you.

Damage to your work equipment

If you're using a laptop or computer to store your clients' files, you depend on your work equipment. Could you afford to pay for the repair or replacement?

Accussation of overstepping the boundaries

As a counsellor you conduct a lot of one on one sessions. If you say something that's taken the wrong way, you may find yourself facing a legal claim.

You need counsellors insurance that's low cost, flexible and protects you against claim of wrongdoing.

the suited way
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Our mission is to see small business insurance done fast, clear, upfront and painless.  

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Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

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Holiday mode

Pay less when not working by hibernating your PI cover.

UK call centre

Get help when you need it from our Bristol based team.

covers to consider

What insurance do counsellors need?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers counsellors and therapists should consider include:

Professional indemnity

Provides you with legal defence against unhappy clients demanding compensation for making them worse, saying something wrong or breach of confidentiality.

Public liability

Protects your business against claims of causing an injury or property damage to a third party, this could be your client or someone visiting your premises.

Electronic business equipment

Pays for repair or replacement of your portable business equipment (and accessories) you need to do your work.

Finding the right cover

What to look for in insurance for counsellors and therapists?

By the nature of their work counsellors and therapists are exposed on a daily basis to clients who don't feel themselves and are in need of someone else's guidance to get emotionally and mentally better.

That is an important responsibility which increases the risk of being faced with an unhappy client. If you’re treating clients, face to face or online, as a self employed counsellor, you absolutely need insurance for counsellors.

Counselling liability insurance

There is a number of good reasons why every independent counsellor should protect themselves with counselling liability insurance.

If you're working for yourself, any mishap with your clients is on you.

Being on the front line, you may face a variety of claims: breach of confidentiality, causing an injury, failing to provide an adequate duty of care. We said it above and we'll say it again. Dealing with emotionally challenged clients brings about a higher risk of facing a litigious situation.

If you happen to be or are aspiring to become a member of an association or a professional body, the requirement may be that you have certain types of insurance in place. Professional indemnity insurance for counsellors is usually a must and in some cases public liability is recommended as well.
Another reason to have insurance for counsellors is to increase the level of trust. Your clients, knowing that you take a professional approach to your business, might feel more inclined to book you over the next counsellor. In other words something worth mentioning on your website.

Professional indemnity insurance for counsellors

This is a key cover for this profession. The elements to look for in counsellor professional indemnity insurance is what you are covered for and where.

  • In the first instance it is important that bodily injury or death aren't excluded. Rare as it is, that would be the most significant claim you could face in your career.
  • Secondly, you need to consider where you treat your clients. If you are travelling around the world because your services are niche, ensure that your policy covers your work in the required parts of the world.

Public liability

The next essential cover is public liability insurance for counsellors. Vast majority of counsellors will be meeting their clients either at home, the clients' home or in an office.

Public liability takes care of instances where your client may have had an accident and is now asking for compensation. Alternatively you managed to knock over that Ming vase and you are being asked to pay for it.

In other words PL cover provides legal defence and covers a possible payout if you're found liable for property damage or causing an injury.

Other covers depend on your personal circumstances. Do you own a laptop that you carry around, do you have employees, do you have an office, what would happen if you were taken ill? All these are considerations when using insurance to protect your living.

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Choosing limits

Selecting counsellor insurance limits.

If you're part of a membership organisation, it is likely to have a condition as to how much your PI cover limit has to be.

Some require as high as £2,000,000.

If you're independent, it's a bit trickier. You'll need to consider your level of qualification, experience, history of disputes with your clients and the type of therapy you provide.

Some insurance providers offer as little £50,000 of cover which might be tempting as the cost will be very manageable. However, with the rising cost of legal services, would this amount go far enough to cover solicitors' fees and a possible compensation?

Don't forget that public liability insurance is just as important for counsellors, especially if you're treating your clients face to face and participate in public events. Please have a read about what it covers and how useful it could be to your business.

Business legal protect
Included with your insurance

When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance
Price

How much does counsellor insurance cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.

examples

Business activity

Counselling, Psychotherapy
from

£7.41

per month
from

£21.47

per month
from

£36.25

per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.

£250,000
£1,000,000
£2,000,000

Business Legal Protect

Commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

Included
with professional indemnity
Included
with professional indemnity
Included
with professional indemnity

Public liability

Defends your business against legal threats from third parties claiming you’ve caused them injury or property damage. Suited PL cover also pays compensation if due.

-
£500,000
£2,000,000

Electronic business equipment

Protects your business against costly repairs or replacement costs of electronic business equipment and accessories that you own or hire to do your job.

-
£2,500
of equipment
£7,500
of equipment
Get a price
Answer 4 questions then select the policies and limits you need.
FAQs

Common questions

Is professional indemnity insurance compulsory for counsellors?

Counsellors are not required by law to have a PI cover in place.

Will the work of my employees be covered by Suited therapists & counsellors insurance?

Yes, any work by bonafide employees of your business is covered.

What is the difference between therapy and counselling insurance?

From the insurance point of view these professions are very similar. With Suited you can include both of these professions in your PI and PL cover.

How is the cost of professional indemnity insurance for counsellors and therapists calculated?

At Suited we only take into account your annual turnover, that's it. We do not charge per person. PL cover cost is based on the limit you select.

If I ask another counsellor to take my client, will it be covered by Suited PI insurance?

SUITED Professional Indemnity does cover your subcontractors as long as you have a written contract in place with the scope of the work clearly defined. It is always highly recommended that you check your subcontractor has a PI cover in place for the type of work that they’re taking on.

Can I cancel my professional indemnity insurance for therapists and counsellors when I stop working?

You definitely shouldn't. If you have stopped working for a period of time or indefinitely, there's still some risk that something you did in the past will end up in a claim against you. If you don't have an active PI cover in place at least for your past work, you will have to fund your own legal costs and any possible compensation yourself. Suited offers a "hibernate" option which covers your past work only at a much reduced cost.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

No longer need us? Cancel anytime, no more to pay.

Testimonials

Professional service and a peace of mind

My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.

Evie Jarecki

Suited was super efficient

Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.

Justin Leo

I was looking for business insurance…

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 in minutes.

Piers Field
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