Psychotherapist insurance

Why choose us for your psychotherapist insurance?

As a counsellor we know you're focused on supporting and guiding your clients through challenging times. However, giving this support also presents risks to you and your business. It's essential to have the right insurance in place that offers the necessary protection.

Our cover gives peace of mind for you and your business, including:

• Protection: Our professional liability insurance protects you so you can focus on supporting your clients.
• Professional advice and support: Throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We're here to support you should you need to make a claim.
• Saving you time: It's quick to get a quote and buy your insurance online. If you'd prefer to speak to a member of our experienced team, we're here to give you the help you need, whenever and however you need it.

What's covered in counselling insurance?

You may know Oxygen for professional liability insurance; however, we offer a wide range of business insurance cover options to protect your business. You can simply buy online or, if you’re not sure what kind of cover you need, our friendly team is always happy to help if you prefer to speak to us.

Please note this list is not exhaustive – please refer to the full policy document for details.

What's insured?

• Professional indemnity cover/malpractice: Choose from £1.5 million up to £10 million. This insurance covers claims arising from your work as a talking therapist, supervisor or educator. Cover is provided on a full civil liability basis which means it isn’t restricted just to allegations of professional negligence. With a choice of five cover levels, you can select a level which suits your business needs and gives you peace of mind.
• Public liability cover and products liability insurance: £10 million as standard. This is the insurance that deals with your public liability for causing bodily injury to people or damage to property due to an accident caused by your negligence (for example, your client tripping and falling in your home or workplace).
• Complaints and disciplinary hearings: Up to £500 a day, providing full help and support should a complaint be made about you to your professional body or other regulator including specialist help in submitting your response and legal representation at disciplinary hearings.
• Professional wills: Up to £5,000 ‒ cover in the event of death or incapacity to help with reallocation or secure destruction of client notes and records.
• Crisis containment: Up to £25,000 ‒ cover for expenses related to managing and mitigating a crisis specific to the counselling profession. As a counsellor, if you encounter a situation that could potentially harm your reputation, professional standing or financial stability, crisis containment cover can assist in responding effectively and efficiently to the crisis. The Oxygen policy will cover the costs incurred with a crisis containment provider, such as crisis management expenses, public relations and communications, legal support, crisis response planning and reputation protection.
• Directors and officers liability: £100,000 is provided as standard with options to increase this up to £2 million. This cover is for limited companies and is designed to provide financial support for key people within your business if they face allegations of personal wrongdoing. It works to protect directors, officers, partners and other company leaders in the event they stand accused of a wrongful act. This can include breach of duty of care, breach of trust, negligent errors, defamation and health and safety failure.

What is not insured?

• Public liability insurance and products liability insurance claims brought in US or Canadian courts are excluded.
• Professional indemnity insurance claims brought in US or Canadian courts are excluded. The policy can be extended to include US/Canada jurisdiction – price and options are subject to terms and conditions.

We’re always transparent about what’s included or excluded in the business insurance we arrange. Please note this list above is not exhaustive and as with all insurance – terms, conditions and exclusions apply. Please contact us for full details.

*How we work out example prices. Customers will pay £93.42 a year for professional indemnity of £1.5m if they are also a member of one of the recognised professional bodies that receive 20% discount from us. £1.79 per week is based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. This is the prices from amount as customers have the option of increasing their level of cover and therefore may pay more than this.

Students or trainees will pay £70.99 a year for professional indemnity of £1.5m. £1.36 per week is based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. This is the prices from amount as customers have the option of increasing their level of cover and therefore may pay more than this.

**No excess applies to the core therapists insurance (public liability, professional indemnity, employers liability, directors and officers), however for any additional insurance taken certain excess may apply. Please contact us for details.

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Oxygen is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2024 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.