Counselling insurance

Specialist cover for counsellors from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

From over 25 years experience, our specialist insurance for counsellors has been designed to cover a multitude of risks faced by counsellors, psychologists and psychotherapists.

No matter how experienced and ethical a practitioner you are, allegations of wrongdoing are always a risk. An accusation that a course of counselling has not had the expected results, an accident at your office that leaves someone injured or makes your office unusable could have a serious impact on your business.

Why do counsellors need insurance?

As a self-employed counsellor or psychotherapist, you are responsible for the services you provide. If anything goes wrong in the course of counselling a client, or if anyone is injured while visiting your premises, you could be held liable and face costly consequences.

Our specialist insurance for counsellors can be tailored to cover against these situations and many more, protecting your livelihood and providing you with peace of mind. 

For counsellors who are members of an association holding certain types of insurance is often obligatory or advised in the association’s ethical framework to ensure both you and your clients are protected.

Counsellors’ insurance from Markel Direct can be tailored to meet the regulatory requirements of your institute or association.

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What does counselling insurance cover?

Insurance for counsellors and psychotherapists from Markel Direct can be tailored to protect your individual business needs.

Generally speaking, professional indemnity insurance and public liability insurance for counsellors tend to be considered vital cover.

Other cover is available that can protect against the following risks as well as many more:

  • Claims of professional negligence or poor advice (professional indemnity)
  • Injury or accidental property damage caused to a third party such as a client (public liability)
  • Sensitive client data stored on your computer being hacked (cyber insurance)
  • A tax investigation from HMRC (legal expenses insurance)
  • Injury or illness suffered by an employee as a result of their employment (employers' liability)

How much does counselling insurance cost?

The cost of counselling insurance varies depending on a number of things including the size of your business, the number of insurance policies you choose to take out and the level of risk your job involves.

For example, if you have an employee and your annual turnover is over £75,000, it’s likely that your insurance will cost more than a counsellor who has no employees and an annual turnover of £25,000.

Insurance for counsellors from Markel Direct starts at just £5 per month.

If for any reason your circumstances change and you wish to cancel your policy with us, there are no hidden fees or cancellations fees.

If you choose to insure with us, you'll receive an instant proof of cover, meaning you are immediately protected.

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How to buy counselling insurance

Arranging your insurance cover online is fast and easy - our simple quote form will collect details about your business and offer you cover that may be of interest to you.

You can buy as much or as little cover as you choose and have the option to spread the cost of your policy over 10 interest free monthly payments.

Cover starts from just £5 a month - get an online quote in 90 seconds now!

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Cover starting at just £5 a month

Insurance covers for counsellors

  • Public liability and professional indemnity (professional malpractice) insurance

    Public liability and professional indemnity insurance (also known as professional malpractice insurance) offers comprehensive protection against the cost of defending your business against allegations of professional negligence (such as providing poor treatment to a client) and if unsuccessful, the cost of damages awarded against you.

    In addition, it covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business. Examples of claims include:

    • A client alleges that a series of counselling sessions has not had the desired results. They take legal action against you to recoup their loss.
    • While visiting your premises, a client slips on a rug and breaks their wrist. They take legal action against you, seeking compensation for their injury.

    This cover is usually considered essential protection for counsellors against a wide range of claims, and may be a requirement of your industry association. Limits are available from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance covers your therapy business against claims for injury or illness suffered by employees arising from their employment.

    An example of a claim would be:

    • An employee slips on a spillage in a treatment room and injures themselves. They are unable to work as a result and take legal action against you for the injury suffered.

    If you have any employees, even on a part time basis, you are required to have a minimum of £5m worth of employer's liability insurance cover by law. Our policy provides £10m as standard.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

    If a client takes legal action against you because of an error you have made, this cover can prevent you from needing to use your own finances to cover legal expenses.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Limits range from £100,000 to £5m.

  • Portable equipment and office insurance

    Portable equipment insurance covers laptops, mobile phones and portable equipment you use for treatment against accidental damage (including theft) anywhere in the world. If you have your own premises, office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises.

  • Occupational personal accident

    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.

    If you work as a complementary therapist and would struggle to maintain an income if you were unable to work following an occupational accident, you should give consideration to this cover.

  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients on computers and other internet connected devices (including the therapies and treatments you provide to them), you should give consideration to this cover.

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Cover starting at just £5 a month

Frequently asked questions

  • I treat clients at various locations, including in my home - is this covered?

    Yes. If you treat clients at various different locations - for example, you treat some clients in their home, some in a rented practice room and others in your own home - you will be covered by our policy.

  • Am I covered to treat clients with terminal illnesses (such as cancer)?

    Yes. Our policy provides cover for treating clients with terminal illnesses.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.

  • Why should I choose Markel’s insurance?

    Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.

    We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.

Insure with Markel and enjoy access to unique services for your business

In addition to comprehensive cover, insuring with Markel means you enjoy access to unique services for your complementary therapy business at no additional cost (when the relevant section of cover is purchased).

24 hour legal helpline 24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

Legal hub access Markel Law Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.

  Fee dispute service

As every self-employed therapist knows, customers don't always pay on time and chasing unpaid fees/invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.

  Public relations crisis management service

In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance. 

Cover starting at just £5 a month