Discount Insurance Offer For Members Of Counsellors UK & UKCP

A 40% discount, specially for members of Counsellors UK & UKCP. Call us now on 0208 655 0444.

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40% Discount For Members Of Counsellors UK & UKCP

At Counselling Gold, we believe that insurance is integral to keeping your counselling or psychotherapy business safe from potential accidents. That’s why we’ve used our time in the industry to design policies for counsellors and psychotherapists that really speak to the individual needs of your profession, and help you safeguard yourself against the potential claims you could wind up facing.

We’ve now teamed up with Counsellors UK in order to offer members a 40% discount on your insurance when you choose to buy through Counselling Gold. You’ll also gain a range of other benefits, including a further discounted optional personal accident cover and legal expenses cover, as well as increased limits on a range of liability insurances, including public liability, products liability and malpractice insurance, to ensure your business is safe, whatever happens.

But don’t just take our word for it. Scroll down to our covers list to see what you can get when you choose to go with us.

To buy your Counselling Gold insurance policy with your Counsellors UK or UKCP member discount, please call us on 0208 655 0444 and ask for Jen.

Premium Quality Cover, Without That Premium Price Tag

“So, what’s the catch?”
People often wonder how we can manage to keep our prices so affordable and still give them the same, premium quality cover.
We don’t play favourites. We always get you our best price possible, which keeps us a step ahead of the rest.
No tricks. Just comprehensive cover when you need it most.

£50.28* per year £43.56** per year
*This price is for a £5m liability limit. It includes insurance premium tax, legal expenses cover and our 40% discount for members of Counsellors UK. **This price is for a £5m liability limit. It includes insurance premium tax, legal expenses cover and our 40% discount for members of UKCP.

What You Get With Your Policy

Alongside getting all our standard covers, you get increased indemnity limits for a range of the covers we’re offering. You can find out what you get below:

  • £5,000,000 Public Liability Insurance (reducing to £1,000,000 for students)
  • £5,000,000 Products Liability Insurance (reducing to £1,000,000 for students)
  • £3,000,000 Malpractice Insurance (reducing to £1,000,000 for students)
  • Standard Counselling Gold extensions including:
    • £250,000 Libel & Slander Cover
    • Breach of professional confidentiality
    • Infringement of copyright
    • Good Samaritan Acts
    • £10,000 Financial Loss Cover
  • £100,000 Legal Expenses Gold Cover (not available for students)
  • Automatic cover for past work (providing there is a previous policy in force)
  • Optional £20,000 Capital / £100 Weekly Personal Accident Cover (50% discount on our standard price)
  • All other optional covers will be available as per our standard Counselling Gold policy
    • Employers’ Liability
    • Money
    • Stock & Equipment
    • Business from Home Extension

Counselling & Psychotherapist Freelance & mobile insurance automatic covers

Public Liability

Public Liability

Public liability insurance covers accidental bodily injury by you or your business and also covers third party property damage (damage to posessions or property belonging to a client or member of the public while you are practicing).

Our freelance and mobile policy provides:

Products Liability

Products Liability

If you supply a faulty product to a customer that causes an injury or damages their property, they may try to sue you. Even if you have not been negligent, you may still be held liable for damages and injuries suffered as a result of products that you use or supply.

Our freelance and mobile policy provides:

Malpractice Cover

Malpractice Cover

Malpractice insurance is a combination of public liability and professional indemnity insurance. (Professional indemnity insurance covers claims arising from advice). Malpractice insurance covers claims made for bodily injury, mental and psychological damage from both physical procedures and from advice, or a combination of the two. Cover is provided on a “claims made” basis, meaning that you will have cover for all claims made whilst your policy is in force. Read more about this cover on our malpractice insurance page.

Our freelance and mobile policy provides:

Financial Loss

Financial Loss

The public liability section of your policy will provide cover for third party injury and property damage caused by your negligence. But what if a client suffered a financial loss not caused by injury or property damage? Not a problem, we have included a valuable extension in our policies to ensure you are fully protected.

Also known as the Non–Injury Treatment Extension, your Salon Gold freelance policy will automatically provide cover if a client or member of the public suffers a financial loss as a result of work or a treatment carried out by you in connection with your business.

So for example, a client has a reaction to a treatment which did not cause an injury but turns their hair green or discolours their skin and they are unable to work as a result. They may not accept your offer of a refund and may not want you to rectify the damage. Instead, they may make a claim against you for their lost earnings. If the client’s loss of earnings was a direct result of your professional negligence, this extension will provide cover for you.

The standard limit under the policy is £10,000 but can be increased to £50,000 for an additional premium. There is a £1,000 excess (or 10% of the claim, whichever is greater) in respect of this cover.

Counselling & Psychotherapist Freelance & mobile insurance optional covers

Employers Liability

Employers Liability

Employers liability insurance is a legal requirement if you employ staff. It protects you against claims from employees who suffer an illness or injury at work and decide to seek compensation from you.

Money Cover

Money Cover

Cover is available for loss of your business money up to £500 whilst anywhere in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man (excluding theft from unattended vehicles).

You will also have cover for compensation in the event of bodily injury caused by robbery, theft or attempted theft. Please refer to the Policy Wording for full details of this cover.

There is an excess of £25 under this section of the policy. If you require cover in excess of these limits, please contact us.

Legal Expenses Personal Accident

Personal Accident

Personal Accident – for hands only

What would you do if you could not use your hands? They are your most important tools and (providing you are aged between 16 and 70) cover is now available for compensation in the event of loss of the hand or fingers or loss of use caused by an accident happening in connection with the business. The maximum payable under this section is £10,000 per person with reduced limits for loss of use of parts of the hand.

Personal Accident – full cover

How would you pay your bills if you had an accident and couldn’t work? This cover provides protection following an accident which prevents you from working and is not limited to hands only. It offers 24 hour cover, worldwide. If you are temporarily disabled, it pays from £50 to £300 per week. In the case of permanent disablement or death, a lump sum of £10,000 to £60,000 is payable.

Individual Personal Accident (& Sickness)Separate Policy

A separate policy is available to provide protection following an accident which prevents you from working. This policy can also be extended to include Sickness cover to provide you with a lump sum or weekly benefit if you are unable to work as a result of an illness.

Further information can be found on our Personal Accident page.

Stock / Equipment


Cover is available for your stock and business equipment (excluding mobile telephones and computer equipment).

Cover operates on an “All Risks” basis and you will be covered anywhere in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man including at your premises (excluding theft from unattended vehicles).

Cover is available as follows:

CoverExcessLimit Any One Item

If you require cover in excess of these limits, please contact us.

We’ve helped over 100,000 Discount businesses like yours


For 35 years, we’ve been working with businesses like yours to continually improve. The result? Tailor-made insurance policies, made for specialists, by specialists.

We listen

We listen and care about your opinion. You know your business best, so we use all your feedback and strive to create something better.


We want to see you succeed, but accidents sometimes can and do happen. If you’re dealing with a crisis, our 24/7 helplines will smooth you through, day or night.

Here for you

Don’t you just hate call centres? We do too! We believe in a personal approach, so every call to us will only be answered by a member of our own expert team.

Our Reviews

4.9 / 5 Based on 4249 Reviews
Read all reviews »

Great and to the point, not trying to charge an arm and a leg for something like most others. Very happy, Vagabond's Barbershop

4 hours ago

Quick easy efficient, very good value

on Sep 20th

Very stright forward to set my policy, great experience

on Sep 19th
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