Counselling insurance for students

Student counsellor insurance

As a student counsellor in training, you're focused on developing your skills in supporting and guiding clients through challenging times. However, providing this kind of support and advice presents risks to you. It's essential to have the right student counselling insurance in place that offers the necessary protection.

Here at Oxygen, we can arrange cover that gives peace of mind, including:

  • Protection
    Our professional liability insurance protects you so you can focus on completing your education. Underwritten by reputable insurer Hiscox, we can arrange to extend your cover to include any additional services you might want to practice, such as cognitive behavioural therapy (CBT) or life coaching.
  • Professional advice and support
    Throughout the life of your policy, we'll be on hand to help you with any insurance 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.

Get a quote today

Get a quote in minutes, and arrange your Oxygen student counsellors insurance online – at a time that suits you. You can also call our team of experts who will offer advice and guidance on protecting your business and arrange your cover over the phone.

We take time to understand your needs to arrange the student counselling insurance that's right for you.

Oxygen insurance for student counsellors 

With the right professional insurance in place, you can focus on developing your skills – with confidence.

Oxygen insurance for student counsellors includes cover for:

  • public and product liability
  • professional indemnity and malpractice
  • complaints and disciplinary hearings
  • crisis containment
  • confidential notes and records
  • directors and officers liability (for limited companies)
  • therapeutic wills
  • 24-hour commercial assistance and legal helpline.

Optional covers available include:

Life coaches

Do you plan to offer life coaching alongside your work as a counsellor? Make sure you're protected. We can arrange the right cover for all your services.


If you are learning to deliver hypnotherapy, we can ensure you have the right protection in place to cover the services you offer.

Cognitive behavioural therapy

Many professional counsellors also offer cognitive behavioural therapy (CBT) or rational emotive behavioural therapy (REBT) services. Oxygen has you covered, so you can carry out your valuable work with confidence.

Frequently asked questions

Why do counsellors need insurance?

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 service provided to clients during their sessions. Counsellors may require certain insurances to meet the membership requirements of their professional body or other contractual agreements with businesses they work with.

What insurance do counsellors need?
Your individual circumstances and business activities will dictate the insurance you require. Counsellors generally require product liability and professional indemnity insurance as a minimum, along with employers liability insurance should they employ others. Your 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. 
Do counsellors need professional indemnity insurance?
Yes, professional indemnity (PI) insurance is essential for counsellors as this directly covers the advice they provide to clients in sessions. PI insurance will be a requirement of a counsellor's professional body membership and any other contractual agreements they might have in place with businesses they work with.
Does my business need public liability insurance?
Public liability insurance protects you against costs associated with compensation payments and legal fees if you are found responsible for injuries incurred or damage caused to someone's property as a result of your work. The person injured could be a client, supplier or a passer-by. You need public liability insurance to protect your business from financial loss. Your regulator or membership body may also require you to have this cover in place.
What is professional indemnity (PI) insurance?
PI insurance protects you if you are found responsible for causing financial loss to your client due to a professional error or omission. A PI policy covers legal costs and expenses you may incur defending a claim, as well as any compensation payable if you are found responsible.
When does my business need to get employers liability insurance?
You should have employers liability cover in place from the day your practice starts employing staff. Whether paid or not, you are at risk of legal action from the moment you have any person for whom you are responsible.
What is management liability insurance?
Someone taking legal action against you or your business could put your livelihood at risk. As a company director, you could be held personally liable. Management liability insurance, also known as directors and officers liability, covers you personally for any costs incurred defending a claim and awards made against you.
Is my business at risk of cyber-attack?
Unfortunately, small businesses can be easy targets for cyber-criminals. The more sensitive the information held in your system – the more likely you will be targeted. Cyber-crime is more sophisticated than ever. However, cyber liability insurance not only covers your liabilities following an attack, it also springs into action as soon as the incident occurs, helping you to reduce the damage.

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