Psychotherapists Insurance

Protect your reputation and career when working closely with patients

Our liability insurance package has bespoke features as well as discounts for members of professional bodies including members of the British Association for Counselling and Psychotherapy (BACP) and the United Kingdom Council for Psychotherapy (UKCP).

0844 346 3307
01438 739635 Mon - Fri, 8.30am - 5.30pm
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Psychotherapists 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 Psychotherapy.

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.


Psychotherapists Exclusion

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.


Psychotherapists FAQs

Does it matter how many clients I see weekly/monthly etc?

No, we do not need to know how many clients you will be seeing throughout the policy year.

Can I work from home?

We can provide cover for you to work from home automatically within the policy, however we need to make you aware that if anything was to get damaged within the home then this will come under the home insurance and so you will need to let your home insurers know.

Do you need to see my qualifications?

We do not need to see a copy of these. We will insure you on the upmost faith that you have experience and qualifications in the area that you would like to be insured for. If a claim was made against you this may be when we would need to see evidence of this.

Do you cover long distance Learning Courses?

Yes, we do not specify how much experience you have in the area or where you studied.

Is there an age limit?

No, we do not specify the age.

Can I pay monthly?

Yes we have monthly direct debit options, please call to discuss.

Can I work with animals?

Yes we can cover work with both animals and humans, please call to discuss.

Can I work overseas?

Yes we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in, for example a house. As it is a UK policy if a claim was made for the work you have done in another country we would then need to bring the claim back to the UK to go through UK courts. If you had a house in the country for example, they would then try to take monies from your assets to protect the claim.


Psychotherapists Claims

We hope that you won’t need to make a claim but if something happens and you to think a claim might arise, here is what you need to do:

  1. Contact us immediately
  2. Send us all correspondence that relates to the claim situation
  3. Hold off speaking with the claimant or their representatives until you have spoken to us- this will avoid prejudicing the outcome

What we will do for you

Our aim is to make the process as smooth as possible for you and your business. When you call us, we will advise on the best course of action going forward.

Even if you are not sure that a claim will arise, it is best to let us know anyway, doing so will not prejudice your policy. We can then either, put your mind at rest or, start-up the claims process for you.

Customer Reviews (51)

Our Care & Medical Insurance service rated at 96%

Based on 51 independent customer reviews.

DateProductScoreCustomer Comment

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.

Locum Insurance (Renewal)


excellent customer service which is quick in response and dedicated staff who offer every assistance

Surgery Insurance (New Policy Holder)


It was a pleasure dealing with Christopher Handley he was positive, understood our business needs and responded promptly to any questions and queries that arose.

Surgery Insurance (New Policy Holder)


Very efficient and prompt

Charity Insurance (Renewal)


Very efficient whilst still maintaining that essential personal element - staff members sounded as though they really cared about our needs.

Charity Insurance (Renewal)


We are happy with the service

On 02-Mar-2015 the customer changed their rating and added:
Good value quality insurance

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