Music Therapy Insurance from £3.65 A Month

Music Therapy as a profession is relatively low risk, however the potential hazards vary according to the type of music experience. Depending on your clients’ needs, they may be involved into composing, performing or responding to music. As a therapist you will not only understand the benefits of these methods, but also the different risks associated with them.

Some of the risks include over-stimulation and confusion. If, for instance, one of your clients has sustained a brain injury or a neurological disorder this could impact their ability to make meaning of sensory input. Therefore, as when dancing for self-expression or the release of stress, they may risk suffering a physical injury or trauma.

Our specialist insurance for music therapists can be tailored to meet your individual requirements. You will automatically get Public Liability and Professional Indemnity, which are included as standard offering essential financial protection by assisting with legal defence costs and damages payable in the event of a claim.

Professional malpractice – known as Professional Liability, has been also added to your Music Therapy policy, offering protection against the cost of defending your business against allegations of professional negligence (such as providing a poor treatment) and if unsuccessful, the fees of damages awarded against you.

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Instant Quote | Music Therapy Insurance

Why choose Protectivity?

Fast & Straightforward Process

Take out cover with no delay using our easy quote process. Just tell us what therapies you will be offering, your expected annual turnover and where you are based, and we’ll provide you with an instant price for your cover.

250+ Activities Covered

It may be that you offer art therapy, counselling or other treatments alongside music therapy. That’s not a problem, as we can include cover for over 250 different activities on the same Therapy Insurance policy.

Leisure Industry Specialists

We provide comprehensive insurance cover to thousands of individuals and businesses in the leisure industry every year, so we’re experts in understanding exactly the risks you face and the cover you need.

Excellent Claims Handling

We’re all too aware that things can go wrong in the therapy industry. That’s why our specialist claims handlers aim to deal with any claim in the fastest and most efficient way possible. 

What's included in your Music Therapy Insurance policy?

Our Insurance policies include the following benefits as standard:

Public Liability

Up to £5 million worth of Public Liability is included to cover you if, while performing your Music Therapy, cause accidental injury to a patient or other member of the public, or damage a third-party’s property.

Equipment Cover

In the event that you suffer accidental damage to some of your business property or are the victim of theft, you could be covered for up to £5,000. Just choose to include Equipment Cover on your quote.

Professional Liability

Also referred to as Medical Malpractice, £1 million – £5 million of cover can be included to protect you against claims relating to physical injury or psychological damage deemed to have been caused by your activities.

Personal Accident Cover

Personal Accident of £25,000 is available as an optional extra should you wish to protect yourself against the risk of injury whilst carrying out your music therapy activities on a day-to-day basis.

Professional Indemnity

Professional Indemnity is also included as standard, meaning you will be protected for any advice that you give in a position of Music Therapist should a client decide to sue.

Monthly Payment Plans

We offer flexible payment plans with 0% APR when purchasing your cover online. This means that from £3.65 a month you will be able to protect your business and have a peace of mind for a whole year.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

We are committed to making our claims process as smooth and efficient as possible.

If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.

Check out our tips to running the perfect holistic therapy business

Frequently Asked Questions

Q. What does the policy cover me for?

A. The policy offers the following cover:

Public Liability which will cover you for any injury or damage to a third party or their property caused by, or arising from, any tuition or instruction that you give during your business activities.

Professional Liability (also known as Medical Malpractice) which will cover is available to protect you against claims relating to physical injury or psychological damage deemed to have been caused by your business activities.

Professional Indemnity which will cover you for injury or damage caused by or arising from any tuition, verbal instruction or advice given by or on behalf of the Insured in respect of the activities contained within your business description.

The policy also offers Equipment and Personal Accident cover as optional extras.

Q. How quickly will my documents come?

A. We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. Should you wish to have your documents sent to you by post, we are happy to offer this service but at a charge. Please call a member of our team to discuss this further on 01494 887909.

Q. Who underwrites your insurance?

A. Our Therapist Insurance policy is underwritten by Beazley. They provide insurance to over thousands of businesses all over the world.

Q. Do you cover students? 

A. No, our Therapist Insurance policy will only protect those who qualified in there chosen treatments. The qualification must be obtained by an accredited awarding body.

Q. Do you need to see my qualification certificates? 

A. No. You will only need to produce your qualification certificate(s) in the event of a claim. When you purchase your insurance we will ask you to declare that you have a suitable qualification for the activity that you require cover for.

Further information on our policy

If you have any other questions regarding our Music Therapy Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQs page.