Talking Therapists Insurance

We appreciate the requirements of talking therapists which is why we work with various professional bodies to understand your industry

We’re aware that one policy does not meet everyone’s requirements. That is why we have developed a number of relationships with insurers to provide polices that are tailored towards your line of work.

0844 346 3307
01438 739 635 Mon - Fri 8.30am - 5.30pm
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Features

Talking Therapist 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 therapy.

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.

Exclusions

Talking Therapist 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.

FAQs

Talking Therapist 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.

Claims

Talking Therapist Claims

Claims for professional liability insurance can be very complex, so it's important to follow the right procedures. If you have any reason to believe you might need to claim, just follow the simple procedure below, and we'll advise you of the best course of action.

What to do

If any circumstance arises that might lead to a claim, you should:

  • Contact us immediately on 0844 346 3307
  • Forward any correspondence relating to the potential claim
  • Avoid speaking to the claimant or their representatives (as this could prejudice the outcome)

What you can expect from us

We are here to help and take you through the claims process step by step. Even if you are uncertain whether a claim will arise, we are always happy to discuss the circumstances with you.

There are no claim forms to fill in. When we speak to you we will advise the best course of action. Even if you are not sure whether or not an incident will lead to a claim, you should notify us anyway. This will not prejudice your policy and we will be able to put your mind at rest or, if necessary, start the claims process.

Customer Reviews (635)

Customers rate our service at 91%

Based on 635 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 739 635 Mon - Fri 8.30am - 5.30pm
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