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, customisable protection, so you can keep business running smoothly.
- Select from £500,000 to £5 million cover
- Hassle-free claims and UK-based customer support
- Adjust your policy any time, without fees
- Instant access to your policy documents
- Get a quote in four minutes, or fully covered in ten
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 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 can 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 can cover your legal and compensation costs.
Medical malpractice insurance
Working as a therapist comes with heavy responsibilities. Our medical malpractice cover is designed to protect 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. Read our guide to understanding your policy documents.
Therapist insurance FAQs
Do therapists need malpractice insurance?
Although it's not a legal requirement, medical malpractice cover can protect you from the risks you face. It might also be required by professional organisations.
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.
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?
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.
- 19 Sep 20234 minute read
Is now the time for cyber insurance?
In our increasingly digital world, and with cyber crime on the rise, is there an optimum time of year to buy cyber insurance?
- 13 Sep 20236 minute read
Get your business on track after a break in
Having your business equipment stolen is traumatic, expensive and disruptive. Here's our checklist of the steps you should take to get back on your feet.
- 12 Sep 20233 minute read
A limit to growth? Tech’s Malthusian check
Venture capital investment value has dropped significantly this year, so our Director of Advisory David Dickson asks is this part of the natural startup cycle?
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
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).
Protected by the FSCS
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.