Helping people deal with emotional problems or trauma requires undivided attention and delicate approach which inevitably carries risks.
If you see clients face to face at your premises, there are risks of trips or falls during a session with you.
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?
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.
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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:
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.
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.
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.
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.
- IR35 & HMRC investigations
- Legal matters concerning your business
- Negative PR (£25,000 cover)
- Criminal prosecution
- Compliance & regulation issues
- Unpaid invoices (over £200)
- Free tax advice
- Free commercial legal advice
- Counselling for you and your staff
- Access to a legal template library
- Identity theft assistance
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.
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.
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