…

Insurance for counsellors

Counselling insurance

As a trained counsellor, we know you're focused on supporting and guiding your clients through challenging times. However, giving this support also presents risks to you and your business. It's essential to have the right counsellors insurance in place that offers the necessary protection.

Here at Oxygen, we can arrange cover that 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. Underwritten by reputable insurer Hiscox, we can arrange to extend your cover to include hypnotherapy, cognitive behavioural therapy (CBT) and life coaching.
  • 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
    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, whenever and however you need it.

Get a quote today

Get a quote in minutes, and arrange your Oxygen counselling 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 counsellor insurance that's right for your business.

Oxygen insurance for counsellors

With the right professional insurance in place, you can focus on, and support your clients – with confidence.

Oxygen counselling insurance 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

Optional covers available include:

  • employers liability insurance
  • cyber insurance
  • management liability insurance
  • contents insurance.

Life coaching

As a counsellor, do you also offer life coaching? Make sure you're protected. We can arrange the right cover for all your services.

Hypnotherapists

If your counselling services include hypnotherapy, we can ensure you have the right protection in place to cover the services you offer.

Cognitive behavioural therapy

Do you 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

Q
Why do counsellors need insurance?
A

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.

Q
What insurance do counsellors need?
A
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. 
Q
Do counsellors need professional indemnity insurance?
A
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.
Q
Does my business need public liability insurance?
A
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.
Q
What is professional indemnity (PI) insurance?
A
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.
Q
When does my business need to get employers liability insurance?
A
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.
Q
What is management liability insurance?
A
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.
Q
Is my business at risk of cyber-attack?
A
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.

Read our latest articles