Insurance for therapists
With such a huge range of therapies, customise a policy specific to your therapist business by choosing only what you want…and nothing you don’t.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
What does insurance for therapists cover?
Understanding your clients' needs is a honed skill that takes many years to master. But however experienced you are, a claim made against you due to an accident has the potential to cost your business and damage your reputation.
Our specialist insurance for therapists gives you fast and tailorable protection, so you can keep business running smoothly.
- Change or cancel anytime at no extra cost
- Commitment-free monthly subscription
- Instantly view your policy documents
- Select from £500,000 to £5 million cover
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
What insurance do therapists need?
Public liability insurance
As a therapist, you'll be in regular contact with clients. If this takes place in person, public liability cover is essential. If you accidentally causes injury or property damage to a client, you could face a legal and compensation claim, even if you believe you weren’t at fault. In this situation, public liability insurance will support you through the incident.
Professional indemnity insurance
If a client claims that you made a mistake or treated them poorly before, during or after a therapy session, professional indemnity insurance would cover your legal and compensation costs.
Medical malpractice insurance
Working as a therapist comes with heavy responsibilities. Our medical malpractice cover protects you against allegations of medical negligence in the treatments or advice you provide, such as physical or mental damage.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover.
Therapist insurance FAQs
Do therapists need malpractice insurance?
It's a good idea for therapists to have medical malpractice cover. This is why we offer it as part of the insurance package for therapists.
What types of therapists do you cover?
We cover a broad range of complementary therapists. If you specialise in something niche and are unsure if we cover it, simply speak to one of our advisors via web chat, email or phone.
How much does insurance for therapists cost?
The cost of your insurance will depend on what limit of cover you select. With Superscript, you can select from £500,000, for £4.57 a month, up to £5 million, for £9.99 a month.
Do I need to prove my qualifications or licence to operate when buying insurance?
We don’t ask for these when you purchase insurance with us, but we recommend keeping your qualifications or licence to operate to hand in case they relate to a claim you’re making.
Do I need run-off cover as a therapist?
If you want to take an extended break, you can pause your monthly subscription with us and pick it back up again when you need to.
Run-off cover protects you for claims made against you for work you’ve done in the past, after you’ve ceased trading. So, if you’re thinking about doing something else for a while, or retiring, adding run-off cover to your policy may be the security you need in place to protect your future.
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Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
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If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.