Therapist Insurance
Specialist therapy liability insurance from £3.14* per month.
- 200 therapy activities covered
- Liability cover up to £5 million
- Join over 150,000 customers**
From only £3.14* per month
What does therapist insurance cover?
Our insurance for therapists has been specially designed for qualified professionals operating as individuals or as a small business. We prioritise the protection that’s essential to operate a credible business giving you the flexibility to add options to suit your service. We offer insurance for over 200 different therapies including counselling, speech therapy, CBT and more.
Whether you provide treatments in your home, in a fixed location or at alternative wellbeing centres, our therapist liability insurance can provide tailored cover to offer the security you need, for a great price, allowing you to focus on treatments and outcomes of your clients.
Make sure you have the correct insurance for your therapy and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Third Party Property Damage
Equipment
Personal Accident
Professional Indemnity and Professional Treatment
- From £1 million to £5 million of cover.
- Protection from claims by a third-party (client or member of the public) who sustains injuries or has their property damaged as a result of your actions or advice that you provide.
Third Party Property Damage
- Cover for any non-negligent loss or damage to others’ property that you may cause while providing your therapies.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment
- From £500 to £3000 worth of cover
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Equipment Hire
- From £750 worth of cover
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Treatments you are not qualified to do.
- Treatments that are not listed on your proposal form and subsequent schedule of insurance.
- Any services provided overseas.
- Prescription or supply of medicines and other pharmaceutical.
- The use of non-proprietary products to aid your therapy.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need therapist cover?
Clients may be coming to you for help for various reasons, seeking your professional assistance. No doubt you want to offer them the treatment they require, using the benefit of your experience. However sometimes, even with the best of intentions, things go wrong and often beyond your control.
Specialist therapy insurance is the essential protection for your practice to allow you to offer your services securely, knowing you are covered should a claim be made against you. However experienced and qualified you might be, unexpected incidents can occur so it’s best to be prepared.
Therapist Insurance can cover the following situations that may arise allowing you to offer your services with confidence:
Accidental public injury.
During a therapy session if a client slips, falls and injures themselves, this could be deemed your responsibility and might result in a claim against you.
Having therapist public liability cover can protect you against these incidents avoiding the expense of a claim yourself.
Protection against allegations of negligence.
If offering therapy treatment is part of the service you provide, you should consider what happens if a client comes to harm following any instructions you make. You could be expected to pay damages to your client if a claim is brought against you.
Having professional indemnity insurance for therapists in your policy is the cover you need to ensure you are protected from these situations allowing you to focus on your clients’ treatment with confidence.
Avoid costly therapy equipment damage.
You may own specialist therapy equipment, which is essential to the service you offer day-to-day. This equipment could become damaged or get stolen requiring expensive repair or replacement costs, as well as inconvenience, that could impact on your services.
Therapy equipment cover would enable you to replace these items quickly and efficiently without bearing the full cost.
An accident at work prevents you earning.
You are also at risk from a workplace accident. Suppose you trip and fall during a therapy session, whether at a fixed base place of work of at a client’s home. The injury could mean you need to take some time off work, leading to loss of earnings.
You can avoid financial loss like this with personal accident cover, which can provide you with financial support until you can get back on your feet.
Our experts explain why...
“Providing therapeutic treatments requires a unique blend of professional expertise and personal care. Our therapy insurance and therapist liability insurance recognises these complexities – from protecting you against claims arising from treatment outcomes, to covering professional recommendations and advice. Your role involves direct physical and emotional interaction with clients, each presenting their own distinct needs and potential risks.
Whether you’re dealing with a client who experiences an adverse reaction to treatment, managing a complaint about professional services, or facing claims related to emotional wellbeing, our comprehensive coverage ensures you can focus on your practice with confidence. We understand that therapists need protection that goes beyond standard coverage, which is why our policies specifically address the nuanced risks of therapeutic practice.”
Chris Trotman, Protectivity Underwriting Manager
How much does therapy insurance cost?
Ultimately, investing in therapist insurance is a safeguard to maintain your own healthy state of mind and uphold professional standards.
There are varying factors that will influence the exact amount you pay for therapy insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.
At Protectivity policies start at just £3.14 per month or £49.31 per year.*
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Psychotherapist
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Third Party Property Damage
£750
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your therapist insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
What qualifications do I need to be eligible for therapist insurance?
In order for us to provide cover for your chosen activity, you must have the relevant certificates or qualifications from a recognised and accredited UK training college or company covering the treatments, services or duties being carried out.
Is there a cooling-off period?
Yes, should you change your mind or wish to cancel your policy for whatever reason, we offer a full refund within 14 days of purchase provided the policy has not been relied upon, and no incidents have occurred which could result in a claim. Where cancellations are made after 14 days of the start date of the policy, as long as no claims have been submitted, for most policy types we will refund the proportion of the premium paid at the point of cancellation equivalent to the unused portion of the policy, less a Cancellation Fee.
How long will your therapy insurance cover me for?
All of our public liability insurance policies are annual.
Will you cover me if I operate abroad?
No, our cover will only protect you during your business activities carried out in the United Kingdom.
Can I amend my policy at any time?
Yes, we appreciate that circumstances can change. It’s important that you notify us of any changes that may affect your insurance, please call us on us on 01494 887 909 to discuss your requirements.
What if I train in new treatments or therapies whilst I am insured with you?
Providing the activity is one of the 250+ that we cover under this insurance, and you have qualified via an accredited awards body, then we can add it to your policy, and you will be covered. We ask that you call one of our team members on 01494 887909 (Mon-Fri, 9am-5:30pm).
Is Reflexology covered by insurance?
Yes, reflexology together with other 250 holistic related activities such as Craniosacral therapy, Reiki, and Hypnotherapy are covered under our policy.
How quickly will my documents come?
We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. We do not automatically send documents by post because we are conscious of our environmental footprint, but if you do require a paper copy, please email us at sales@protectivity.com or call us on 01494 887909 to arrange this.
Who underwrites your therapy insurance?
Our Therapist Insurance policy is underwritten by Peach.
Do you need to see my qualification certificates?
No. You will only need to produce your qualification certificate(s) in the event of a claim. When you purchase your insurance we will ask you to declare that you have a suitable qualification for the activity that you require cover for.
Do you cover students?
No, our therapy insurance policies will only protect those who qualified in their chosen treatments. The qualification must be obtained by an accredited awarding body.
Does therapy liability insurance cover assistants or support staff?
Our Therapist Insurance can cover for assistants or support staff under our optional Employers Liability benefit if you have paid the additional premium to include this in your policy cover.
However, the assistants or support staff must not carry out any therapist activities they are not qualified to do.
Am I insured if my therapy equipment causes injury to a client?
Yes, this would be covered under our Public Liability benefit providing you are using the equipment in accordance with the manufacturer’s instructions.
Does therapy liability insurance cover me for teaching or training others?
No, we cannot cover for you to train or teach any type of therapy under this policy.
What level of therapy insurance do I need for corporate contracts?
Our Therapist Insurance policy can cover corporate contacts providing you operate as a sole trader or independent business and not as an enrolled employee of that company.
Does therapy insurance cover treatment-specific equipment damage?
Our Therapist Insurance offers optional equipment cover up to the value of £3000, which provides cover for equipment specific to the treatments we are insuring you for. We can cover for accidental loss, accidental damage and theft.
Please ensure you are using the products or equipment in accordance with the manufacturer’s instructions.
What happens if I take a career break?
Our Therapist Policies are available on an annual basis only, we are unable to provide short-term cover.
You may be eligible for a partial refund if you choose to cancel mid-term and if there are no claims on the policy. However, please get into contact with us should this be required and we will be able to advise.
Does my insurance cover student placements or training periods?
No, our Therapist Insurance is designed to cover only those who are qualified. We cannot provide cover for students or anyone who does not hold a UK accredited qualification from a recognised and accredited UK training college or company.
What documentation do I need to maintain for insurance purposes?
This will depend on the nature of the therapist activity and incidents which arise, the claims handler will however request a copy of the relevant UK qualification you hold (from a recognised and accredited UK training college or company) to carry out the business activities we are covering you for.
Do I need different coverage for group therapy sessions?
No, we can provide cover for group therapy sessions providing you are practicing within your qualifications.
What happens if a client has an adverse reaction to a treatment?
You are protected for these types of incidents under the Public Liability section of the policy.
Does my insurance cover me for writing treatment plans and reports?
Yes this would be covered under the professional indemnity benefit, which provides cover for claims arising from negligent advice, instruction or tuition.
The claims handler would ask for a copy of the relevant UK accredited qualification you hold (from a recognised and accredited UK training college or company) to provide clients with treatment plans and reports.
Does my insurance cover equipment and supplies used in treatments?
Under our therapist insurance we have optional equipment cover up to the value of £3000, providing cover for equipment specific to the treatments we are insuring you for. This provides cover for accidental loss, accidental damage and theft.
Please ensure you are using the products or equipment in accordance with the manufacturer’s instructions.
How does working with vulnerable clients affect my coverage?
You will be covered for working with vulnerable clients providing you have the right UK accredited qualifications (from a recognised and accredited UK training college or company) do so and permission from any guardians/carers if necessary.
What’s the difference between professional indemnity and public liability insurance for therapists?
Professional indemnity protects you for advice you give to your clients whereas public liability protects you for physical injury or damage to a third party.
Is equipment used in my therapy practice covered under this policy?
Yes, providing the equipment has been purchased for the sole purpose of carrying out the business activities we are insuring you for and you are using it in accordance with manufacturer’s instructions and the equipment is appropriate for the purpose of the Business.
Does this policy cover me for past work (retroactive cover)?
We can provide you with up to 2 years retroactive cover providing you have had continuous cover with Protectivity an there have been no gaps in cover.
Am I covered to work abroad?
No, our Therapist Insurance policy is designed to only provide cover with the UK, Channel Islands and the Isle of Man.
Do I need additional insurance if I sell products to my clients?
Our Therapist Insurance can cover for you to promote/sell your services at an event providing you are not the event organiser. However, we cannot cover you for making and selling your own products.
Are there common exclusions or limitations I should be aware of?
We cannot provide cover for:
• Any treatments you are not qualified or certified to do
• Prescription or supply of medicines and other pharmaceuticals
• Treatment provided to children or those under the age of 18 without parental or guardian consent
• Cover overseas
• Any actual or alleged act of abuse
Is there a difference in coverage or cost for part-time vs. full-time therapists?
No, our Therapist insurance is purchased on an annual basis whether you are a part-time or fulltime therapist.
Do I need separate coverage for each type of therapy I offer?
No, we can provide you with cover for multiple therapist activities under one policy, providing you have the relevant certificates or qualifications from a recognised and accredited UK training college or company covering the treatments, services or duties being carried out.
Am I covered to practice multiple therapies?
Yes, we can cover you for multiple therapies providing you have the relevant certificates or qualifications from a recognised and accredited UK training college or company covering the treatments, services or duties being carried out.
Am I covered if I work from home or as a mobile therapist?
We can cover you under our Therapist Insurance to work both from home and as a mobile therapist.
What types of therapy do we cover?
We offer cover for over 200 therapist activities, check out our quick quote process to find out if yours is covered. If it is not listed, please contact us by phone or email and one of our sales advisors will be able to advise.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data