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Therapists Insurance
Specialist liability cover for therapy practitioners.
- Speedy, specialist insurance with no hidden fees
- Cover to work anywhere in the world
- 24-hour legal helpline
Therapists Insurance FAQs
For their own liability reasons you are unlikely to find an insurance company who will advise you exactly on how much cover you need. It is essentially your responsibility to take out adequate cover although our advisors can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer your some advice.
Professionals who send out products, offer advice of some kind, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when tucked away in your own home, and speak with an advisor about your risks.
When you stop trading or retire we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to 3 years after the fact). When you are ready we can arrange cover for you for this.
Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with great discounts! Speak to one of our advisors to find out how much you can save.
Therapists face a number of risks as part of their service - some key risks include liability claims from customers, equipment damage, or legal disputes. Having insurance in place gives therapists peace of mind that they’ll be covered in the event of a claim or dispute.
Public liability insurance for therapists
Public liability insurance covers claims for third-party injuries or property damage caused by your practice.
Professional indemnity insurance for therapists
Professional indemnity insurance protects against claims of negligence, poor advice, or misconduct.
Employers' liability insurance
Employers’ liability insurance is required if you employ staff, and it covers workplace injuries and illnesses.
Personal accident cover
Personal accident cover provides financial protection if you suffer a workplace injury.
Legal expenses cover
Legal expenses cover offers legal helpline access, defence costs, and support for disputes.
Several factors will influence the price of your therapist insurance, such as your location and the services offered.
Worldwide cover
This therapist insurance covers you to work anywhere in the world, including telephone and Skype calls, as long as you and your business are based in the UK. This means you can work with your clients wherever you or they may be.
Liability cover
This therapist insurance policy includes public liability, product liability and libel and slander. Our cover also includes professional indemnity and you can choose from limits between £1 million and £5 million to suit you.
Legal assistance included as standard
This cover includes a 24-hour legal helpline offering specialist advice whenever you may need it. We are also able to offer legal defence where necessary to defend a claim, which can give you greater peace of mind.
Therapist insurance optional extras
There are a number of additions you can make to your policy to suit your needs, including training extensions if you choose to train others, plus employers' liability (a legal requirement if you choose to take on any staff).
Standard policy inclusions
You can expect a standard therapist insurance policy to include professional legal expenses.
Optional add-ons for enhanced protection
Enhance your therapist insurance policy with optional add-ons like cyber insurance or additional legal expenses cover.
Therapy professionals requiring coverage include:
- Complementary therapists
- Counsellors
- Talking therapists
- Hypnotherapists
- Psychotherapists
- Psychologists
- Massage therapists
- Nutritional therapists
Talking Therapists
Benefits include £250,000 legal defence cover, 24-hour legal helpline, and overall cover available up to £10m.
Hypnotherapists
Professional indemnity, public liability, libel and slander and product liability are amongst the covers available in one policy.
Massage Therapists
Professional indemnity insurance for massage therapists protects against allegations of professional negligence, malpractice and breaches of professional codes of practice, as well as injury relating to the therapy itself.
Nutritional Therapists
Highlight risks tied to dietary guidance and potential claims.
Cover including public liability and professional indemnity and product liability (which can protect you from claims made against you regarding vitamins and supplements you may have given your clients), as well as representation at a defence hearing and public relations consultancy fees.
When you are choosing your therapist insurance policy, it’s important to consider a variety of factors. You’ll want to compare policies and their features, especially coverage limits. It’s also important to consider the reputation of the insurance provider - you can look at online review websites to form a picture of the quality of their services.
As soon as you need to make a claim, get in touch with us. Make sure you have all your information at hand, including your policy number. Explain exactly what happened and provide photos if requested.
Whether you are a complementary therapist, talking therapist, hypnotherapist, psychotherapist, massage therapist, nutritional therapist or counsellor, you will need insurance. At Towergate, we offer a variety of therapist policies, so you can rest assured that you’ll be covered.
Public liability insurance is necessary for therapists, as it protects you against claims for third-party injuries or property damage caused by your practice.
While public liability insurance protects you against claims for third-party injuries or property damage caused by your practice, professional indemnity insurance protects you against financial loss for claims of negligence, poor advice, or misconduct.
The cost of therapist insurance can vary and depends on the experience of the therapist and the services offered.
For professional indemnity cover, it is important to note that you could be subject to a claim or an allegation from a client relating to therapeutic services you delivered many years ago. Providing you have had professional indemnity cover in place continuously without a break in cover, this policy will cover the historic service to which the claim relates.
We can provide cover for your business equipment, such as laptops. Please speak to our advisers for more information.
As long as you hold the relevant certificates and qualifications for all professional treatments undertaken, we should be able to cover you.
Yes, your therapist insurance can cover your online and remote sessions as long as you are based in the UK.
As soon as you need to make a claim, get in touch with us. Make sure you have all your information at hand, including your policy number. Explain exactly what happened and provide photos if requested.
This policy does not cover liability arising from any of the following:
- Fines or penalties.
- Liabilities which should be insured under other types of policy, such as motor insurance or employment practices liability.
- Any intentional act, unless this is designed or intended to be part of the professional services provided.
This is not an exhaustive list. Full details of the policy terms and conditions are available on request and will be provided through the quotation process. It is important to read your policy documents.
If you would prefer to spread the cost of your Talking Therapist Insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).