Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK psychotherapists — quotes are provided directly by FCA-authorised insurers, not by us.
🤝 Partnerships launching soon
Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Psychotherapy sits in a distinctive position: unlike doctors or physiotherapists, there's no single statutory regulator, so voluntary registers and membership bodies carry more weight for both clients and insurers.
"Psychotherapist" and "psychotherapy" are not protected titles in UK law, unlike "psychologist" in specific contexts or statutorily regulated professions such as physiotherapy. Voluntary bodies like UKCP, BACP and the BPC set training and ethical standards that insurers use as their reference point.
UKCP and BACP both require members to hold professional indemnity insurance as a condition of registration, and may audit for proof of current cover. This is often the closest thing to a mandatory minimum in a field without statutory regulation.
Disclosing what a client has shared — even unintentionally, through mishandled notes or a poorly considered safeguarding decision — can constitute a breach of duty of care. Professional indemnity covers the legal defence and any compensation due where the breach was unintentional.
Clients can bring claims well after therapy ends, sometimes years later as memories or interpretations of past sessions resurface. Keeping run-off cover in place after you stop practising protects past work even once you've retired or moved on.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from clients who suffer injury, adverse reaction or harm as a result of a treatment you provide. The most critical cover for any health or therapy business.
Covers injury or property damage to clients at your premises or at their location. Required by most gyms, studios and venues you hire.
Covers claims of negligence, wrong advice or errors in your professional capacity — including claims that a programme, plan or recommendation caused harm.
Required by law if you have employees or employ other therapists. Minimum £5 million cover by law.
Covers data breaches and loss of sensitive client health data. Increasingly important for practices holding medical and personal information.
Covers specialist treatment equipment, therapy tools and professional apparatus against theft and accidental damage.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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