Therapist Insurance

Specialist therapy liability insurance from £3.14* per month.

  • 200 therapy activities covered
  • 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 therapist insurance cover?

Our insurance for therapists has been specially designed for qualified professionals operating as individuals or as a small business. We prioritise the protection that’s essential to operate a credible business giving you the flexibility to add options to suit your service. We offer insurance for over 200 different therapies including counselling, speech therapy, CBT and more.

Whether you provide treatments in your home, in a fixed location or at alternative wellbeing centres, our therapist liability insurance can provide tailored cover to offer the security you need, for a great price, allowing you to focus on treatments and outcomes of your clients.

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 you need therapist cover?

Clients may be coming to you for help for various reasons, seeking your professional assistance. No doubt you want to offer them the treatment they require, using the benefit of your experience. However sometimes, even with the best of intentions, things go wrong and often beyond your control.

Specialist therapy insurance is the essential protection for your practice to allow you to offer your services securely, knowing you are covered should a claim be made against you. However experienced and qualified you might be, unexpected incidents can occur so it’s best to be prepared.

Therapist Insurance can cover the following situations that may arise allowing you to offer your services with confidence:

Accidental public injury.

During a therapy session if a client slips, falls and injures themselves, this could be deemed your responsibility and might result in a claim against you.

Having therapist public liability cover can protect you against these incidents avoiding the expense of a claim yourself.

Protection against allegations of negligence.

If offering therapy treatment is part of the service you provide, you should consider what happens if a client comes to harm following any instructions you make. You could be expected to pay damages to your client if a claim is brought against you.

Having professional indemnity insurance for therapists in your policy is the cover you need to ensure you are protected from these situations allowing you to focus on your clients’ treatment with confidence.

Avoid costly therapy equipment damage.

You may own specialist therapy equipment, which is essential to the service you offer day-to-day. This equipment could become damaged or get stolen requiring expensive repair or replacement costs, as well as inconvenience, that could impact on your services.

Therapy equipment cover would enable you to replace these items quickly and efficiently without bearing the full cost.

An accident at work prevents you earning.

You are also at risk from a workplace accident. Suppose you trip and fall during a therapy session, whether at a fixed base place of work of at a client’s home. The injury could mean you need to take some time off work, leading to loss of earnings.

You can avoid financial loss like this with personal accident cover, which can provide you with financial support until you can get back on your feet.

Our experts explain why...

“Providing therapeutic treatments requires a unique blend of professional expertise and personal care. Our therapy insurance and therapist liability insurance recognises these complexities – from protecting you against claims arising from treatment outcomes, to covering professional recommendations and advice. Your role involves direct physical and emotional interaction with clients, each presenting their own distinct needs and potential risks.

 Whether you’re dealing with a client who experiences an adverse reaction to treatment, managing a complaint about professional services, or facing claims related to emotional wellbeing, our comprehensive coverage ensures you can focus on your practice with confidence. We understand that therapists need protection that goes beyond standard coverage, which is why our policies specifically address the nuanced risks of therapeutic practice.”

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 therapy insurance cost?

Ultimately, investing in therapist 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 therapy insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.

At Protectivity policies start at just £3.14 per month or £49.31 per year.*

Prices from

£3.14* a month

Explainer quote

Policy cost

£3.14* a month

Policy type

Psychotherapist

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.

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 therapist 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