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Malpractice insurance for counsellors

Malpractice insurance for counsellors

We understand that as a trained counsellor, you work in a busy environment delivering a very important service to your clients. Even the most experienced counsellors can find themselves slipping and failing to meet expectations. When you’re looking after others, it's essential to protect yourself with the right malpractice insurance should a negligence claim be made against you.

Here at Oxygen, we can arrange cover that gives peace of mind for you and your business, including:

  • Protection
    Our medical malpractice insurance for counsellors protects you so you can focus on supporting your clients. Underwritten by reputable insurer Hiscox, a policy can cover you for legal costs and claims for damages.
  • 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. Our experienced team is here to give you help and advice should you need it.

Get a quote today

Get a quote in minutes and arrange your malpractice insurance for counsellors 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 the time to understand your needs to arrange malpractice insurance that’s right for your business.

GET A QUOTE

Buy Oxygen insurance online now. Alternatively if you need expert advice call the Oxygen team, who are on hand to help.

BUY NOW 0330 1289 437

Malpractice insurance for counsellors

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

The incidents that can happen and claims made against medical professions are vast, but some of the common claims that the insurance we can arrange, include cover for:

  • misdiagnosis
  • failure to diagnose
  • surgical errors
  • incorrect treatment
  • prescription errors
  • failure to provide a clean environment
  • failing to adequately train doctors and other staff.

This list is not exhaustive and full details are available by contacting us.

Counsellors

Here at Oxygen, we arrange specialist insurance for counsellors. We're committed to providing you with the best possible advice, service and support.

Find out more

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.

Find out more

What people like you, say about us

Counselling insurance, Sarah Wood, Healing Hearts

Ben was very friendly and efficient, which leaves me further convinced that I have chosen the right insurance company for me and my business.

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Counselling insurance, Terri-Ann Fairclough, Terri-Ann Fairclough Counselling

He dealt with my enquiry without any delays within one minute.

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Counselling insurance, Natalie Miller-Snell, NMS Coaching

He made the process entirely effortless, going above and beyond.

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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.

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