As a professional therapist, wellbeing practitioner or wellbeing consultant, you’re there for your clients to give them the best possible care and support. We have years of experience working with many professionals like you throughout the therapy and wellbeing sector, so we know the daily risks you face.
We're here to help you manage everyday challenges and protect your reputation, your business, and the people you care for.
Be your best self and do what you love with confidence.
Our insurance for therapists and wellbeing practitioners includes:
Plus, key options where necessary...
Buy online today using our quick and easy quote and buy facility – our experts are always on hand to support you.
With years of experience in the therapy and wellbeing sector, we help professionals manage daily challenges, protect their reputation and business, and care for those they serve.
Not listed? Don't worry; we provide cover for over 400 specialist disciplines and therapies. Please contact us to discuss your needs.
If you’re unsure on what cover you require. Get the advice and guidance you need by speaking with one of our insurance experts on the phone. Alternatively, if you know what cover you need get a quote in minutes and arrange your business insurance online.
As standard, we provide £10 million in insurance covering your public liability if you take out professional indemnity and malpractice cover. This ensures your protection in case of accidental bodily injury or property damage resulting from negligence, like a client or student experiencing a trip-and-fall incident within your practice space, whether at home, in your workplace, or on other premises.
This insurance protects against claims related to your work as a therapist or wellbeing consultant. Suppose a client alleges that your actions or guidance resulted in their injury or illness. In that case, you may need to defend your teaching methods and approach. It offers civil liability, not just for professional negligence, giving you peace of mind. There are five levels of cover to choose from, ranging from £1.5 million to £10 million.
Without insurance, you may face substantial income loss if you cannot service your clients due to an accident sustained while working or outside of your professional practice. Not to mention any potential medical expenses you may incur. Personal accident insurance is an optional upgrade that provides financial support, ensuring you can cover your expenses and maintain your quality of life while you recover. There are three levels of cover available:
If you require higher cover limits, please speak to one of our advisors who can arrange an alternative quotation.
You'll receive special assistance responding to a complaint made against you to your professional body or regulators. We're here to support you, including giving specialised help in preparing your response and legal representation at or leading up to disciplinary hearings
Get up to £25,000 of cover for managing and mitigating crises specific to your approaches. As a therapist or wellbeing practitioner, you might face situations that could harm your reputation or financial stability. This cover helps with crisis management expenses, public relations, legal support, response planning, and reputation protection.
If you're a limited company, you'll receive up to £100,000 cover for key individuals facing allegations of personal wrongdoing. This protects directors, officers, partners, and other leaders in case of accusations like breach of duty, trust, negligent errors, defamation, or health and safety failure.
Get up to £5,000 for assistance with destroying or transferring client files to another similar business if you die or permanently unable to work due to a disablement.
Get a no obligation quote in minutes and arrange everything online.
As a trained therapist or wellbeing practitioner, we know you focus on supporting and guiding your clients through challenging times. However, giving this support also presents risks to you and your business. Having the right insurance in place is essential to offer 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: Getting a quote and buying your insurance online is quick. 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.
Trusted and dependable: Award-winning Oxygen™ is part of Marsh, the world’s leading insurance broker and risk advisor. We use our size and scale to negotiate comprehensive and competitive insurance for your benefit. Working with trusted AA+-rated insurers to underwrite the cover ensures they have financial stability and are dependable in the unfortunate event of a claim.
*1 How we work out example prices. Customers will pay £92.32 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.
*2 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.
*3 In 2023, Oxygen™ proudly received the Feefo Gold Trusted Service Award for excellence in customer service.
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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.
Our portal provides 24/7 access to your account and policy documents.
The portal enables us to be more environmentally friendly as we reduce the amount of printed policies and adopt a digital approach.
Yes. All new policies sold online and renewals can be paid for by Debit and Credit Card. Some policies have an option to pay by finance which is offered via Close Brothers Premium Finance.
Whilst not offered online, some Insurers may also offer a direct debit. Please contact us if you wish to learn of different methods of payment and whether Direct Debit is offered.
We make individual client administration charges per policy (up to a maximum of 3 policies, per policy period) to cover the costs associated with administering your insurances e.g. arranging a new policy, carrying out short-period or mid-term cancellations, mid-term changes, providing replacement or duplicate documents and for other administrative tasks. We will advise you of the amount of fee before you become liable to pay it. Individual charges will not be made in relation to employee benefit related products.
Our portal provides 24/7 access to your account and policy documents.
The portal enables us to be more environmentally friendly as we reduce the amount of printed policies and adopt a digital approach.
To access your documents, simply log into your Account, click on "Your Policies" and then select the "View" button on the policy. From here you can download the document if needed.
Please note that under your account, there is a button titled "Documents". This button is for uploading documents and not for accessing your policy documents.
Yes. You can manage your policy renewal online. We will inform you by email within 28 days before your renewal date and upload all your renewal documentation onto the portal for you to review.
If you have not heard from us prior to the renewal, please check your documentation carefully in case there has been a change to your circumstances to prevent accidental underinsurance or a gap in cover.
You can also make payment online for your renewal by card and where applicable by Premium Finance or Direct Debit. If you had paid your previous years policy by Direct Debit, please contact us as it is not uncommon for renewals on Direct Debits to renew automatically.
Please don't assume your policy has been renewed until you have received confirmation in from us.
If you are concerned about your policy, please call us prior to the date of renewal and one of our Team will be happy assist you.
Unfortunately you can not make changes online. If you need to make any changes to your policy please contact us on 0333 0609 687.
Any cancellation will also need to be handled offline. Please note that all policies are contracts and there may be stipulations that could affect any refund amount due. Such examples include:
Should you wish to discuss this in more detail or to check if any of the above applies to your policy, please contact us and one of our Team will advise you accordingly.
Yes, professional indemnity (PI) insurance is important for therapists, wellbeing practitioners and counsellors as it directly covers the advice they provide to clients in sessions. PI insurance is often a requirement of a professional body membership and any other contractual agreements they might have in place with businesses they work with.
The knowledge that experienced claims professionals will support you is just as important as the policy cover.
Our dedicated in-house claims team will be by your side, fighting your corner from start to finish. We promise to be there when it matters most.
Alternatively you can call us on 0330 818 7677, and speak to our team of experts who will be on hand to provide the best solution and guide you through the next steps.
Legally, you must have employers liability cover in place from the day your practice starts employing staff. There is limited exceptions to this, for example if you only employ immediate family members (see: www.gov.uk/employers-liability-insurance). Whether paid or not, you are at risk of legal action from the moment you have any person for whom you are responsible. Even if you employ family members, having employers liability insurance is typically still recommended to help protect you.
Therapists, wellbeing practitioners and wellbeing counsellors require insurance to protect them against the risks they face whilst delivering their services. Insurance can cover the cost of defending claims of poor advice, malpractice, negligence, injury or property damage in relation to services provided to clients during their sessions. They may require specific insurances to meet the membership requirements of their professional body or other contractual agreements with businesses they work with.
Your circumstances and business activities will dictate the insurance you require. This generally includes public and products liability, professional indemnity insurance as a minimum, and employers liability insurance should you employ others. Your insurance broker might recommend further cover based on your individual needs, such as management liability portfolio, cyber insurance, and cover for contents such as computer equipment.
We provide discounts for members of the following professional bodies:
A "To Whom It May Concern" certificate of insurance is a document that provides proof of insurance coverage to a third party. This type of certificate is often requested by individuals or organisations that need verification of a business's insurance policies, typically for purposes such as contracts, leases, or compliance with regulations.
It is important to note that a certificate of insurance is not a contract and does not alter the terms of the insurance policy. It merely serves as evidence of coverage and does not guarantee that a claim will be paid.
The TWIMC Certificates have to be manually generated and in adherence with the levels of cover that you have purchased and are available upon request. Should you wish to receive a TWIMC, please contact us on 0333 0609 687.
Any business that has employees, whether full-time, part-time, or temporary, is required to have employers' liability insurance. It provides coverage for claims made by employees who suffer injury or illness as a result of their work.
In the UK, it is a legal requirement and mandated by the Employers' Liability (Compulsory Insurance) Act 1969.
While self-employed individuals without employees do not need this insurance, those who hire subcontractors or have staff must obtain it.
If a business has volunteers or family members helping out without formal employment, they may not be covered under the employers liability insurance, but it could be wise to consider coverage for them as well.
Any people who are under the Care, Control, Instruction or Supervision of an Oxygen client would need to have Employers Liability Cover.
Your Sum Insured will normally be the gross amount covered under a particular section of cover such as Contents. Where the cover is Liability, you will find the Sum Insured is replaced with an Indemnity Limit. The indemnity limit is the maximum amount you can claim under the insurance during the annual period of cover. It is important to understand that Insurers will cover you either for Any Claims Made or on Aggregate. Any Claims Made will mean that you are insured up to the indemnity limit and you can make as many claims as long as they do not exceed that limit. Aggregate on the other hand is where this limit is reduced each time a claim is made.
For example you if you hold £1,000,000 cover and have it on Any Claims Made basis, you can claim as many times as you need as long as the claim does not exceed £1,000,000. If you were to have it on an Aggregate basis and were to make a £750,000 claim, you would only have £250,000 cover left.
Should you wish to discuss this in more detail or to check if any of the above applies to your policy, please contact us on 0333 0609 687.
The policy includes legal defence following a complaint or claim made against you, optional legal expenses cover is available for you to pursue legal matters for yourself e.g. Tax disputes, Contract disputes but this type of cover is an optional cover and not included as standard.
Worldwide cover excluding USA & Canada jurisdiction and clients living in Trade sanctioned countries with the UK.
Should you have any further enquiries, call an one of our dedicated team experts now on 0333 0609 687.
