Music Therapy Insurance

Find tailored liability insurance for music therapists

As a music therapist, we know your focus is always on delivering the best possible care for your clients and that your work is rewarding and diverse. To help you work with confidence, it’s important to have in place music therapy insurance that protects you from the professional risks associated with the valuable work you carry out.

  • Protection
    Oxygen offers professional liability insurance for music therapists is specifically designed to cover your work. Underwritten by Hiscox, it can be extended to include other work such as dramatherapy, art therapy, and life coaching.

  • Care 
    We recognise that every music therapy practice is unique, so the Oxygen team will take the time to understand the work you do and the risks you face – before tailoring music therapy insurance to meet your needs.

  • Claims
    We hope you never have to make a claim under your Oxygen liability insurance for music therapists, but if you do, our dedicated claims team is on hand to help support you from start to finish.


An experienced, specialist team

Oxygen is a specialist provider of insurance for music therapy practitioners and other people-based professions.

We strive to be a distinctive and refreshingly professional insurance provider that delivers superior products and service. We work hard to design insurance products that drive business value for our customers, protect their livelihoods, and provide a level of service that our customers tell us is exceptional.

Our music therapy insurance

We have worked with leading insurer, Hiscox, to design specialist liability insurance for music therapists. A civil liability insurance policy, its main purpose is to help with the cost of defending any civil claims against you as well as any damages or compensation awarded against you. It covers you to work anywhere (excluding USA and Canada, which can be purchased separately) and includes home-based, online, and telephone therapy.

What our insurance for music therapists covers:

  • Public and product liability (£10 million).
  • Professional indemnity and malpractice.
  • Complaints and disciplinary hearings.
  • Crisis containment.
  • Confidential notes and records.
  • Directors and officers (D&O) liability.
  • Therapeutic wills.
  • 24-hour commercial assistance and legal helpline.

Optional music therapy insurance cover:

  • Employers liability insurance.
  • Cyber insurance.
  • Management liability insurance.
  • Contents insurance.