Psychologists Insurance

Discounts for members of The British Psychological Society (BPS) and UK Council for Psychotherapy.

Our professional liability insurance helps protect you should a client suffer a loss under your advice. It can pay for the defence of a claim as well as damages should you need to pay out.  We also offer a 24 hour advice helpline to all our policy holders.

0844 346 3307
01438 739635 Mon - Fri, 8.30am - 5.30pm
Get a quote Request a callback

Psychologist Features

Choose from limits between £1m and £5m for a variety of liability covers including:

  • Public liability
  • Professional indemnity
  • Product liability
  • Libel and Slander
  • Covers you to work anywhere in the world including from:
    • Client’s property
    • Rented practice room
    • From your own home*
    • Electronically via internet call or conference i.e. Skype
    • Via the telephone
  • Specialist legal defence where necessary to defend a claim
  • Includes a 24 hour legal helpline for individual policy holders

Optional extras

*Home business insurance – Do you practice from home or have an office? You may be required to up-date your home insurance policy to account for the extra activity. We can provide specialist home insurance for therapists or advise you of your options, in addition to your professional liability policy as required.

Employers’ liability cover – Do you have employees? Employer’s liability insurance is a legal requirement and is designed to protect your staff for injury or loss whilst performing their job. We can include this cover simply and easily.

Training extension - Available for an additional £52.50 if you train others in psychology.

Member of a professional body?

Many professionals can receive preferential rates as members of a professional body. Let your advisor know which organisations you are a member of and see what discounts you could receive.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Psychologist Exclusions

The policy is designed to cover any civil liability arising from your business - but there are a few specific exclusions:

  • Injuries to employees in the course of their employment with you (employers’ liability insurance can be arranged separately)
  • Business risks such as contracts with suppliers or trading losses
  • Any intentional act, unless this is part of the services you provide
  • Liabilities which should be insured under other types of policy
  • Any claim arising out of work for a business in which you have a controlling interest or for which you can make a major policy decision

Exclusions will change depending on your profession and your advisor will take you through these during the quotation process. This list of exclusions is a summary and is not a full list of all exclusions that may apply.


Psychologist Claims

If a situation arises and you think the circumstances could lead to a claim, make sure you let us know straight away. Even if you don’t know that a claim will materialise from the situation, this is the best course of action. It will not prejudice your policy, but we will be able to advise you on the next steps, or put your mind at ease.

What to do:

  • Notify us immediately
  • Keep all documents and correspondence relating to the claim ready to send on to us
  • Try not to speak to the claimant or their representatives- if you do it could prejudice the outcome of the claim

We are here to help

There are no complicated claims forms to fill in and we are always happy to discuss the circumstances with you.

Customer Reviews (640)

Customers rate our service at 91%

Based on 640 independent customer reviews.

DateProductScoreCustomer Comment

Charity Insurance (Renewal)


When contacted directly they were helpful

Locum Insurance (New Policy Holder)


Have been happy with Towergate although disappointed that I did not receive any reminder of renewal this year.

Charity Insurance (Renewal)


I appreciate the fact that I received an email from a named individual, not a generic email address which meant that I had a specific person that I could communicate with. I received in a timely fashion all the information that I needed regarding our renewal and the agent seemed to understand the needs of our organisation and what our insurance requirements were.

Surgery Insurance (Renewal)


excellent service

Care Home Insurance (Renewal)


Very pleased with the service.

Charity Insurance (Renewal)


Always a prompt and informative response to any query, never tries to sell the company anything it doesn't want but is on hand to provide information to help us know what it is we need.
Thank you

Charity Insurance (Renewal)


I have found Towergate easy, knowledgeable and respectful to work with and would recommend them to anyone seeking professional insurances.

Surgery Insurance (Renewal)


Always prompt with replies

Nursery Insurance (New Policy Holder)


This policy was incepted early January, with a request for paper documentation rather than e mail confirmation.
No documenation was received through the post and so 2 subsequent telephone requests have been made.
I am still not in receipt of my Certificate of Insurance.
Previously I had used Dot 2 Dot Insurance for the past 4 years, without any administration errors. In fact they were extremely professional.
Can you please comments on this.

Charity Insurance (Renewal)


Great customer service.

View all reviews >>

0844 346 3307
01438 739635 Mon - Fri, 8.30am - 5.30pm
Get a quote Request a callback
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