Counselling and coaching insurance
As a therapist or life coach, you understand the healing power that talking to a professional can have. Your business was born out of a desire to help people and the skills that you have developed can dramatically improve your clients’ lives. However, while you have their best interests at heart, occasionally, a client may not agree that your therapy was beneficial. In some cases, a client may even allege that it made their condition worse and decide to bring a malpractice claim against you. This is when the right professional insurance is key.
We’ve included malpractice cover in our specialist Counselling Gold insurance policy (one of the Salon Gold family of policies). And it comes at a surprisingly affordable price. The peace of mind it gives you frees you up to focus your efforts on helping your patients through their problems while we watch out for your best interests on the road ahead.
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Comprehensive Cover For Counselling & Coaching
Our insurance policy for counselling gives you protection when you need it most, in the event that a client makes a claim against you. We offer insurance for both businesses and individuals undertaking freelance work, depending on your needs.
We include Public Liability, Product Liability, and Malpractice Liability as standard covers, up to a maximum of £5 million. We offer our clients the best rates available, so you can easily and affordably protect your livelihood from any accidental damage caused to your clients or property.
We also offer optional additional covers for counselling and coaching professionals, including employers liability insurance, which is a legal obligation if you employ staff. You may also choose to take out insurance for personal accident, in case you are injured as a result of an accident or cover for your stock and equipment, in the event of your equipment being lost, stolen or damaged.*This price is for a £3m public, products and professional treatment risk liability cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.
Our Counselling and Coaching Covers
For Salons & Fixed Premises
- Business interruption »
- Contents cover »
- Employer’s liability »
- Exhibition Cover »
- Failure of electric, gas & water supply »
- Failure of telephone line »
- Glass cover »
- Goods in Transit »
- Legal expenses cover »
- Money cover »
- Personal accident for hands »
- Products liability »
- Professional Treatment Risk »
- Public liability »
- Stock cover »
- 24 hour crisis & legal helplines »
Which type of Counselling Gold policy do I need?
Find out which insurance policy is right for your business by clicking below.
Counselling & Coaching Insurance FAQs
Counselling & Coaching Insurance FAQs
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 Salon 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. We strongly recommend taking out insurance for counselling and coaching so you don’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 Salon 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 Salon Gold, so there’s no waiting around for documents to be delivered.
"Will qualifications affect my insurance?"
Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide
Teacher Or Student Cover
Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an extra optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!