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Counselling & Therapist Professional Indemnity Insurance

Easy, quick and bespoke indemnity insurance for counsellors and therapists.

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Trusted by over 23,000 clients for their business insurance
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Rated 4.7 out of 5 by over 3,500 clients at feefo.com
insurance for counsellors

Our business insurance offers protection for counsellors and therapists in case of a claim of negligence in your work.

Counsellors and therapists are engaged to help people to overcome the negative effects of some of life’s stresses. As with all professional service providers, counsellors and therapists provide a service that carries an expected level of expertise and professionalism. When things goes wrong, the counsellor/therapist may be held responsible for any financial losses incurred as a result.

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What is counselling and therapist insurance?

Our Professional Indemnity insurance (PI) for counselling and therapy professionals is written to ensure you are protected if a claim arises as a result of your work, giving you the peace of mind that you’re covered so you can concentrate on helping your clients.

Why do counselling and therapy professionals need insurance?

Compensation claims can be made against counsellors and therapists just as they can be against any other business providing professional services and advice.

If you advise a client to take a course of action as a part of your therapy sessions and they don’t feel any benefit from your advice, then they could make a claim for negligent advice against you.

If a client has an accident while on your premises, they could file a liability claim against you for damages if they have lost income as a result of their injuries.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
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Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
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Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
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Frequently Asked Questions

Our Professional Indemnity insurance for counsellors and therapists will provide cover for claims made against them for losses arising from a breach of their professional duty.

Examples of how insurance will help you include:

Professional negligence

Poor advice that causes your client a financial loss. Professional Indemnity insurance would respond to provide cover for your legal costs in this instance.

Accident and injury

Accidental personal injury caused to a member of the public, such as your client. Or damage to a clients’ property while you are in a session with them. Public Liability insurance would respond to provide cover for your legal costs in this instance.

Caunce O’Hara’s online quote and buy system will show you an indicative quote for your business insurance in a matter of minutes.

An example quote: a stress counsellor with an annual turnover of up to £50,000 per annum, with a £500,000 indemnity limit in any one claim, you would pay as little as £225.79 per annum for professional indemnity insurance, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 24.11.2021).

As a self-employed business owner you need to be aware that a claim can be made against you personally and with unlimited personal liability. Directors and Officers insurance will cover for you in this instance and is available as part of our Business Combined insurance.

Legal Expenses insurance will cover costs incurred from a legal occurrence that your indemnity and liability insurance does not cover, for example: the costs incurred from a tax investigation, costs incurred from having to attend jury service, landlord/tenant disputes.

A breach of your sensitive client data could result in a large fine and other penalties, as well as a loss of your reputation. Our Cyber Liability insurance will provide cover in the event you are unfortunate to be a victim of a cyber attack.

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today