Therapist Insurance, Therapists Insurance

Therapist insurance

Protect your livelihood with tailored therapists insurance

Therapy is a diverse sector, home to a wide range of specialists and practitioners. Whatever your personal specialism, this is work that can directly improve lives and relationships – making it  valuable and rewarding in equal measure.

However, no matter how professional, experienced and careful you are, unforeseen incidents can have serious consequences, potentially threatening your reputation and even your livelihood. That is why professional insurance for therapists is so important. The right cover should step in to protect you when the worst happens – for instance helping with defence costs and compensation should an unhappy client launch legal action against you.

You can get comprehensive specialist cover at a competitive price in the next few minutes from as little as £1.79 per week (student therapists can get cover from £1.36 per week).* This includes a professional association discount and a 24-hour legal helpline, as well as no excess on the core therapists insurance.**

  • Protection
    We will help you find professional liability insurance that is designed to meet your individual needs, covering your work in a wide range of therapies. Underwritten by Hiscox, this is comprehensive cover – not just for professional errors and accidents, but for crisis containment and a range of other risks too.
  • Care 
    We understand therapy is a diverse profession – so you need therapist insurance that is tailored to you and your practice. For that reason, the Oxygen Professional Risks team will take the time to understand the work you do and the risks you face - then using that insight, build the tailored therapist insurance you need. It’s an approach that works - we often receive glowing client feedback and word of mouth recommendations from satisfied customers.
  • Claims
    We hope you never have to make a claim under your Oxygen therapists' insurance, but if you do, we have a dedicated claims team on hand to help support you throughout the process.

An experienced, specialist team

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

We strive to be a distinctive and professional insurance broker that delivers superior products and service. We work hard to develop 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.

Get Oxygen Insurance

Our insurance for therapists

We have worked with leading insurer, Hiscox, to create specialist insurance for therapists. A civil liability insurance policy, it is designed to help with the cost of defending any civil claims against you, as well as any damages or compensation awarded against you. 

What our therapists insurance covers:

  • public and product liability (£10 million)
  • professional indemnity and malpractice
  • complaints and disciplinary hearings
  • crisis containment
  • confidential notes and records
  • directors and officers liability
  • professional wills
  • 24-hour commercial assistance and legal helpline.

Optional therapist insurance cover:

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

*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% discount from us. £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.

Students or trainees will pay £70.99 a year for professional indemnity of £1.5m. £1.36 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. Please contact us for details.