Counselling Insurance

Specialist cover for qualified counsellors & psychotherapists from £3.14* per month.

  • 200 therapy activities covered
  • Counselling liability cover up to £5 million
  • Join over 150,000 customers**

From only £3.14* per month

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

What does counselling insurance cover?

Our specialist insurance for counselling is designed for qualified practitioners like you, offering essential cover with flexible options to suit your services and the way you work. As a professional counsellor—whether you’re working independently, freelancing part-time, or running your own private practice, you need protection that reflects the nature of your work.

Depending if you hold sessions from a home office, a private clinic, or visit clients in their homes, insurance provides peace of mind that your practice is protected. With the right cover in place, you can focus fully on supporting your clients, without the added stress of worrying about what could go wrong.

Make sure you have the correct insurance for your therapy and be sure to check if any exclusions are relevant to what you have planned in policy documentation.

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Public Liability

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Professional Indemnity

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Third Party Property Damage

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Equipment

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Personal Accident

Why do counsellors need insurance?

Each client you work with brings unique challenges. From day-to-day struggles to more serious emotional or psychological issues, your role requires trust, sensitivity, and professionalism. But even when you act with care and integrity, things don’t always go to plan and unexpected situations can lead to complaints or claims.

That’s why specialist counselling insurance is essential for your business. It allows you to offer your services securely, knowing you’re covered if a claim is made against you. No matter how experienced and qualified you are, unexpected incidents can happen, so it’s best to be prepared.

Counselling insurance covers these potential situations, giving you the confidence to focus on your clients. Here’s some example scenarios that highlight why it’s so important:

Accidental client injuries.

Even in a calm, structured environment, accidents can still happen. A client might trip over a chair or slip on a floor—potentially holding you responsible.

Public liability cover protects you if a client or visitor is accidentally injured in your workspace, helping cover legal costs or compensation.

Protection against allegations of negligence.

Despite your best intentions, a client may believe your approach or advice caused them distress or harm. In such cases, you could face a formal complaint or legal claim.

Professional indemnity insurance provides crucial protection against claims of negligence, giving you the freedom to focus on your clients’ wellbeing without second-guessing every decision.

Protection if an accident prevents you working.

If you sustain an injury—whether during a session or while travelling between clients—you may be forced to take time off. For self-employed counsellors, this often means a sudden loss of income.

Personal accident cover helps bridge that financial gap by providing income support while you recover.

Damage or theft of essential counselling equipment.

If you use specialised furniture, therapeutic aids, or even digital tools as part of your sessions, losing access to them due to damage or theft can disrupt your work.

Equipment cover ensures you can repair or replace key items quickly, keeping your practice running smoothly with minimal interruption.

Our experts explain why...

The sensitive nature of counselling work creates unique professional challenges that require specialist protection. Our counselling insurance and liability insurance for counsellors acknowledges these distinct responsibilities – from protecting you against claims relating to professional guidance, to covering the specific risks of emotional support work. As a counsellor, you’re entrusted with your clients’ emotional wellbeing and confidential information, working through complex personal issues that demand both expertise and care.

Whether you’re managing a complaint about your professional approach, handling sensitive client information, or facing claims related to therapeutic advice, our specialist coverage ensures you’re protected. We understand that counselling carries different risks than traditional professional services, which is why our policies specifically address the unique aspects of psychological and emotional support work.”

Chris Trotman, Protectivity Underwriting Manager

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

How much does counselling insurance cost?

At Protectivity, counselling insurance policies start at just £3.14* per month.

Investing in counselling insurance is a safeguard to maintain your own healthy state of mind and uphold professional standards.

There are varying factors that will influence the exact amount you pay for counselling insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.

 

Prices from

£3.14* a month

Explainer quote

Policy cost

£3.14* a month

Policy type

Counselling

Public Liability

£1,000,000

Professional Indemnity

£1,000,000

Third Party Property Damage

£750

This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.

What other therapies are covered?

You must be qualified to practice your specialised therapy to ensure your insurance is valid. Here are some popular therapy professionals we also cover, you can select your specialism when you get a quote.

Have a question?

For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your counselling insurance policy?

Let the reviews of over 3,500 customers explain why you should choose us.¹

Trusted by over 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

Frequently
Asked Questions

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This page content has been created for general information and should not be taken as advice.

*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.

** Based on Protectivity sales data from 2007 to Sep 2024

¹Based on live Feefo data