Counselling Insurance

Counselling Insurance

Easy as 1, 2, 3 – Get counselling and psychotherapy insurance quickly, with instant cover

Counselling and psychotherapist insurance by industry experts

As a therapist or life coach, you’re familiar with the transformative impact of services like yours. Your practice emerged from a genuine desire to help people, and your skills can certainly significantly enhance your clients’ well-being.

Nonetheless, even with the best intentions, there may be instances when a client disagrees with the effectiveness of your therapy or, in rare cases, claims that it worsened their condition, potentially leading to you being sued for malpractice. This is why having insurance is crucial.

Our specialised Counselling Gold insurance policy — which is part of the Salon Gold family of policies — includes malpractice coverage for cases like these, and it’s remarkably affordable. This coverage offers you the peace of mind to concentrate on being the best counsellor or psychotherapist you can be, while we safeguard your interests going forward.

What is counselling insurance?

Counselling insurance, also known as counselling indemnity insurance, is a type of coverage designed to protect mental health professionals, such as therapists and counsellors, from legal and financial liabilities that may arise from their professional practice. 

The specifics of counselling insurance policies can vary based on the provider and the counsellor’s individual needs and practice circumstances.

What is psychotherapy insurance?

Psychotherapist insurance, often referred to as psychotherapy insurance, is a form of coverage that safeguards mental health professionals who provide psychotherapy services.

The terms and coverage details depend on the insurance provider and the specific needs and circumstances of the psychotherapist’s practice. All in all, psychotherapist insurance provides policy holders with essential protection and peace of mind in their profession.

Why do you need counselling and psychotherapy insurance?

Counselling and psychotherapy insurance protects your finances should something go wrong, like if a customer comes to harm or your property is damaged. With an insurance policy, it won’t be you paying for any associated expenses, but your provider.

For example, counselling and psychotherapy insurance safeguards you in the case of liability claims arising from offering therapy services, such as after incidents of malpractice, negligence, or misconduct. Insurance for counsellors and psychotherapists will cover the medical, legal and potential compensation costs involved in such incidents.

What’s included…

from £47.04* per year
* This price is for a £3m public, products and malpractice cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and excludes our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.

What does our counselling and psychotherapy insurance cover?

With our counselling and psychotherapy insurance policy, you can enjoy public liability, products liability, and malpractice insurance of up to £3 million as standard. You also have the chance to add any optional covers as necessary, depending on your needs. These optional covers include legal expenses insurance, protecting you against any surprise legal fees, as well as personal accident insurance. This ensures you can continue earning a regular income even if you’ve been left unable to work due to an injury.

Insurance packages offered to our customers are tailored to their individual business needs at the best quotes we can offer. Our insurance policies give you the peace of mind needed to continue giving all your attention to your clients, safe in the knowledge that you’re suitably protected against any costly claims.

Which type of Counselling Gold policy do I need?

Find out which insurance policy is right for your business.


Are you a Student?

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Based on the information provided we would suggest our Student policy.

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Do you own or manage a clinic or business premises that allows access to the public (excluding clinics based at home)?

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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a clinic or business owner?

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Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.

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Do you rent a space in a clinic or work on a freelance or mobile basis in the counselling sector?

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their therapy or treatment?

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote
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Our Counselling & Psychotherapy Cover

For Mobile & Freelance

If you work mobile or freelance in the counselling & psychotherapy sector, our specialist policies provide all the cover you need at some of the best prices around.

Freelance covers

Our Counselling & Psychotherapy treatments

The Counselling Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.

Treatment page

Do you own or lease a salon? Our salon insurance packages provide some of the widest covers available.

Salon covers


Alan Beak Barbering / Male Grooming Expert Mental Health Advocate Submit your question

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    “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 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!

    Counselling & Psychotherapy Insurance FAQs

    Can counselling and psychotherapy be done mobile?

    Counsellors and psychotherapists work closely with their clients by talking about what’s on their mind, making this easy to complete on a mobile basis if you don’t have your own office. You may even be able to do this over the phone or via video chat if you or your client can’t physically meet for any reason.

    What insurance do I need for counselling and psychotherapy?

    Counsellors and psychotherapists need to have the right insurance policies in place to ensure that they are covered against claims made against them. Public liability, financial loss, and malpractice cover are all included as standard with Holistic Gold insurance policies. Public liability insurance offers protection in case a claim is made against you for any damage made to a client or their property. These claims have the potential to be very costly, depending on the damage the client is claiming for. Financial loss insurance provides cover if your client or a member of the public suffers any financial loss as a direct result of your treatments. The disgruntled client may not accept a refund of their money, and may instead make a claim against you for their lost earnings, which you will have to pay for, and this cover will ensure that you’re financially protected and are not left footing the bill yourself. Malpractice cover protects you against any claims made against you as a direct result of the counsellor and psychotherapy service you offer to your clients.

    How much does counselling and psychotherapy insurance cost?

    The cost of our insurance for counsellors and psychotherapists depends on factors such as:

    • How much cover you need
    • Your claims history
    • The size of your operation 
    • Your experience and credentials 
    • The amount of excess you go for
    • Your location
    Do you need insurance to be a counsellor?

    Although you’re only legally required to have employer’s liability insurance if you employ others, the British Association for Counselling and Psychotherapy (BACP) states that all BACP members must be “covered by adequate insurance when providing services directly or indirectly to the public”. 

    Consequently, if you want accreditation from the professional body, having insurance is essential.

    What insurance do I need as a self employed counsellor?

    According to the BACP, your insurance policy should include at least public liability and professional indemnity cover (also known as malpractice cover). These protect against being sued by clients for injury, property damage and malpractice respectively, and are included in every Counselling Gold policy.

    However, other covers such as products liability insurance and financial loss insurance are highly recommended too, which is also where Counselling Gold can help.

    What is BACP membership?

    The British Association for Counselling and Psychotherapy (BACP) is a professional organisation in the UK that offers membership to individuals in the counselling and psychotherapy field. Becoming a member of BACP involves the following aspects, all of which can be highly beneficial to counsellors and psychotherapists:

    • Professional recognition: BACP membership is a mark of professional recognition and credibility, demonstrating that the member meets specific standards of education, training, and ethical conduct. This can instil trust and confidence in clients seeking counselling or psychotherapy services.
    • Ethical guidelines: BACP provides a clear set of ethical guidelines and a framework for good practice, ensuring that members adhere to high ethical and professional standards in their work with clients.
    • Continuous learning: Members have access to a wealth of resources, including workshops, webinars, and publications, which help them stay up-to-date with the latest developments in the field.
    • Support and networking: BACP offers opportunities for members to network with peers, share experiences, and gain support through regional groups and events.

    Professional development: BACP encourages professional development and provides a structured path for career progression, including accreditation and senior practitioner status.

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