counsellors insurance

Oxygen insurance for counsellors

Liability and indemnity insurances from Oxygen™ for professional association members

Award-winning Oxygen™ arranges specialist insurance for counsellors, psychology practitioners, mediators, and other talking therapists. You can have confidence in us as we currently arrange specialist professional risk insurance policies for over 15,000 talking therapist professionals and we are part of Marsh, a global leader in insurance broking and risk management. What’s more, in 2023, Oxygen™ proudly received the Feefo Gold Trusted Service Award for excellence in customer service.

We appreciate you are busy professionals and probably don’t have the time to shop around to make sure you get the protection you need; this is where Oxygen™ can help with specialist insurance that’s right for you. You can get comprehensive liability and professional indemnity (PI) insurance protection at a competitive price in a matter of minutes – from as little as £1.79 per week including 20% or more discount as a professional association member*. Some other key benefits include a 24-hour legal helpline, as well as no excess on the core therapists’ insurance**.

Get a quote

Get a quote and buy your insurance policy online now. However, if you need advice and would prefer to speak directly to our experienced team, simply give us a call.

A specialist counselling insurance cover, underwritten by a well-known UK leading insurer

Professional liability insurance and professional indemnity (PI) insurance are often considered vital protection for counsellors and other talking therapists who are self-employed or owners of small businesses.

We have worked with Hiscox, a well-known UK leading insurer, to design a specialist indemnity insurance policy for professional talking therapists. Its primary purpose is to help cover 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 as standard, however this can also be purchased separately) and includes home-based, online, and telephone therapy.

With the right professional liability and indemnity insurance in place, you can relax and focus on your business, supporting your clients.

What’s covered in your talking therapist insurance from Oxygen™?

  • 24 – hour commercial assistance and legal helpline
  • Complaints and disciplinary hearings
  • Confidential notes and records
  • Crisis containment
  • Directors and officers liability – for limited companies
  • Professional indemnity and malpractice
  • Public liability cover and product liability
  • Therapeutic wills

Optional covers available include:

  • Contents insurance
  • Cyber insurance
  • Employers liability insurance
  • Management Liability Insurance

What professional associations and bodies does Oxygen™ provide discounts for?

We provide discounts for members of the following professional bodies:

  • ABP – The Association for Business Psychology
  • AC – The Association for Coaching
  • ACC – The Association of Christian Counsellors
  • ACP – The Association of Child Psychotherapists
  • APHP – The Association for Professional Hypnosis and Psychotherapy
  • Barefoot Coaching
  • BACP – British Association for Counselling and Psychotherapy
  • BABCP - British Association for Behavioural and Cognitive Psychotherapies
  • BPC – British Psychoanalytic Council
  • BPS – British Psychological Society
  • CPD – Chartered Institute of Personnel and Development
  • CMC – Civil Mediation Council
  • CNHC – Complementary and Natural Healthcare Council
  • CoM – College of Mediators
  • COSCA – Counselling and Psychotherapy in Scotland
  • CORST – College of Sexual and Relationship Therapists
  • EMCC – European Mentoring and Coaching Council
  • FMA – The Family Mediators Association
  • GHR – General Hypnotherapy Register
  • HCPC – Health & Care Professions Council
  • ICF – International Coach Federation
  • NCH – The National Council for Hypnotherapy
  • NCS – The National Counselling Society
  • PTUK – Play Therapy United Kingdom

  • UKATA – The Association for Transactional Analysis

  • UKCP – The United Kingdom Council for Psychotherapy.

*How we work out example prices. Customers will pay £93.42 a year for professional indemnity of £1.5m if they are also a member of one of the recognised professional bodies that receive 20% or more discount from us. The discount applies to the insurer premium and is a minimum of 20%, however does not apply to the insurance broker admin fee of £25. £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.

**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. As with all insurance terms and conditions apply. Please contact us for details.


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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.