Why do counsellors need insurance?
As you work closely and personally with your clients, offering advice to help them heal emotionally, you will need to hold insurance in the event that they file a claim against you. A client may well deem your work as being unhelpful, or making their situation worse, and you may well be liable for paying compensation for any damages. Insurance protects you against these payments, ensuring you won’t have to foot the entire bill, which could affect your entire bottom line.
What insurance do counsellors need?
As a counsellor, you should ideally hold public liability insurance, which protects you against compensation claims made by clients and third parties. You also need to hold malpractice insurance, which protects you against claims made against you as a professional. At Counselling Gold, we offer both these covers as part of our standard insurance cover, along with products liability and financial loss, keeping you suitably protected against any claims.
Do counsellors need professional indemnity insurance?
Professional indemnity insurance covers you in the event that you’re facing a claim as a result of professional negligence. This can include offering advice or counselling that’s wrong for the client. This policy pays any compensation awarded against you, as well as any associated costs and legal fees for both parties.
What’s the difference between professional indemnity insurance and malpractice?
These two insurance policies are similar, as they both offer financial protection in the event that a compensation claim is made against you, as well as any legal fees. However, professional indemnity insurance only covers economic costs, while medical malpractice also covers costs involving injury or damage. We offer malpractice as standard in our counselling and coaching insurance policy.
Do mobile counsellors need insurance?
Even if you’re working as a counsellor on a mobile basis, clients can still make a claim against you in the event of an accident or damage. By taking out insurance for counselling and coaching, you won’t have to foot the bill in event of a claim made against you.
What is included in counselling and coaching insurance as standard?
A Counselling Gold insurance policy for counselling and coaching automatically includes public liability, products liability, malpractice, and financial loss. This is the basic insurance you will need in the counselling and coaching industry. However, if you need additional cover, get in touch with our team to build your ideal package.
Do I need my own counselling and coaching insurance?
If you’re an employee in a clinic, you will likely be covered under your workplace’s insurance. However, it’s important to check this with your employer. If the insurance policy in place isn’t comprehensive enough for you, we recommend taking out your own insurance policy, just to be on the safe side.
How much is counselling and coaching insurance?
The cost of your insurance is wholly dependent on what you need cover for. For example, if you employ a team of counsellors, you must legally hold employers liability insurance. This is an additional cover which will increase the cost of your premium. If you’re a freelance counsellor, you may also want to take out personal accident insurance, which covers you if you find yourself temporarily unable to work as the result of an accident. Get in touch with our team for a quote for your ideal insurance package.
When will my counselling and coaching insurance start?
You’re covered from the moment you buy an insurance policy with Counselling Gold, or the date you choose cover to start, if later, so there’s no waiting around for documents to be delivered.
