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Working as a counselling professional is very rewarding, but just like any other business venture, there are certain risks that can threaten your business. Counselling insurance can help to protect you and help your business to thrive.
Insurance for counsellors is becoming more and more common as business owners seek to protect themselves from damaging legal action in an increasingly litigious business arena.
We understand that counselling professionals are busy helping others, which is why we’ve made the process of finding insurance for counsellors as simple as possible.
We work with counsellors and life coaches to help them build the ideal level of cover for their needs. So you’ll never be left with insufficient cover or paying for more than you need. If you visit clients in their own homes, travel insurance can protect you while you’re out and about, while those with permanent premises will want to ensure they have office contents insurance.
We can help guide you through the process to find the right insurance policy for you, whether you’re looking for counselling insurance or life coach insurance.
Call us on 0161 833 2100 and speak to our friendly advisors.Call me back
Build your custom counselling insurance policy. We offer:
Professional indemnity insurance protects you in the event legal action is taken against you and your business. This can be in situations such as alleged professional negligence or non delivery of goods or services. If a client claims your counselling service isn’t sufficient, then professional indemnity insurance will protect you from any claims they might make against you. Even if their claims are unfounded or simply nuisance, the cost of defending yourself can quickly add up. Ensuring your have specialist counselling insurance in the form of professional indemnity insurance will ensure you can keep building your business.
To simplify the process of finding the right insurance for counsellors, we’ve created the business combined insurance policy which includes comprehensive coverage for a range of situations. Our business combined insurance for counselling professionals includes:
This will protect your business against anything from damage to equipment in your office space to claims made against you by an employee. If you are a director of your business, you will also be protected from personal liability if anything should go wrong with your business.
If you work on a freelance or contract basis, then you won’t be afforded the same levels of employee protection as a traditional employee. This means that if you are too sick or injured to work, your income could very quickly dry up. Personal accident and sickness insurance will help to ease the pressure if you are unable to work due to injury or illness. This will ensure you are able to continue meeting your monthly financial commitments and help you get back on your feet without relying on the government statutory sick pay, which is just £89.35 per week.
Another type of essential insurance for counsellors is travel insurance. While you might not think about travel insurance except when you’re jetting off on holiday, our annual travel insurance policy goes above and beyond the usual policy coverage. You’ll be covered for business and leisure trips around the UK and throughout the rest of the world (excluding the US and Canada). This can be a particularly important component of life coach insurance, as you will be required to travel for work more often than office workers.
As a freelancer or sole trader, there is the possibility that you will face an IR35 tax enquiry at some point in your career. Even if you are meticulous with your tax returns, cooperating with a request from HMRC can be very time-consuming. With tax enquiry and legal expenses coverage from Caunce O’Hara, legal advice will always be just a phone call away, so you won’t be left feeling like you’re in a David and Goliath situation.
"Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
"Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
"A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
"I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
I found the person I dealt with very helpful and knowledgeable about my options."
A choice of great-value policies
Worldwide coverage (excluding USA and Canada)
Underwriting by Royal & Sun Alliance Group plc (‘A’ Rated)
Automatic insurance for claims related to past work
Cover for legal defence costs and compensation bills
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