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Counsellors Insurance

Specialist counsellors' insurance protection for you and your clients.

  • Cover for public liability, professional indemnity, product liability, libel and slander   
  • Counsellor specific cover combined with 24hr legal advice helpline
  • 10% discount for BACP members*
Bacp Members
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*Terms & Conditions – 10% discount for BACP members

*A 10% discount is available to new and renewing BACP member customers who purchase or renew a professional risks insurance policy online or over the phone. The discount is automatically applied when you select online or confirm over the phone your professional association as ‘British Association for Counselling & Psychotherapy’. Cover is subject to your individual circumstances and our eligibility criteria. Offer expires on 31/12/2024 but can be withdrawn or amended at any time if it is necessary to do so. Policies purchased after this date will not be eligible for the offer.

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Why choose counsellors insurance with Towergate?


Counsellors insurance quote in minutes

Get a specialist cover quote in 5 minutes.


Counsellors liability cover

Includes public liability, product liability and libel and slander.


24-hour legal helpline for counsellors

Offering specialist counsellors advice whenever you may need it.



Pay for counsellors cover by Direct Debit

You can choose to split your payments into 10 monthly instalments by Direct Debit*

About counsellors insurance


Cover for working in a number of different locations

As a counsellor, we know that your job can take you anywhere – so our policy provides cover for working in a variety of locations from your home, clients' homes, over Skype, at events, and more. Or perhaps you run your own practice or have your own premises? We can provide cover for buildings, contents, stock and corresponding business insurance, tailored to your needs.


Professional indemnity

Should the advice or guidance that you give to your clients be incorrect and leads to loss or injury to them, our policies provide professional indemnity to pay for any costs awarded against you, up to £10 million. This can be flexible to your circumstances and we can work with you to ensure you get the cover you need.


Additional cover for your business

In addition to our cover for counsellors, we can also provide you with a range of specialist insurance policies to protect your livelihood and clients such as personal protection, cyber cover, home business insurance and employers' liability cover. Talk with one of our advisers on 0330 123 5810 for advice on what else you might need to cover you and your growing business.


Personal protection cover is provided by Usay Compare who are part of the Ardonagh Group. Usay Compare and Health Insurance Compare are trading styles of Usay Business Limited, which is authorised and regulated by the Financial Conduct Authority, reference number: 478676. Usay Business Limited is registered in England and Wales. Registration number 06463920 | VAT No. GB 447 2847 24 Registered address: Usay House, 5 Hercules Court, Lakeside Business Park, Broadway Lane, South Cerney, Cirencester GL7 5XZ.

When you need to make a claim, our specialist claims advisors will guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 or email and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Get a quote online
  • Or call 03301235810
  • Purchase and relax - You're covered!
Get a Quote

Counsellors insurance FAQs

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

We do offer loss of income and business interruption insurance as well as various other business insurances but not as part of this package. If you require these covers we can provide them via our business insurance department. One of our advisers will be able to advise you further.

As every profession is open to different risks and claims are unforeseeable events, it’s not possible for us to safely recommend any level of cover. Our best advice, therefore, is to select the highest amount of cover you can reasonably afford. We can, however, offer full flexibility on your policy meaning that if you need to raise or lower the level of cover at any time we can accommodate this easily.

You may want to consider run-off cover to provisionally cover you against any claim made against you for work done while you were practicing. Our advisers will be able to set this up for you at the end of your policy.

Depending on what you are studying and if you are practising you may want to protect yourself against claims. As everyone’s situation is different and claims are unforeseeable we can’t advise either way but would suggest that even though liability and indemnity insurances are not legal requirements you should not leave yourself vulnerable if you think you could open to a civil liability claim. Some member organisations will recommend a specific level of cover, so you may wish to check this if you are a member of a professional body.

This policy is designed to cover the practitioner - not a business or property. If you require these extra covers we can provide them at the same time with a business insurance policy which will offer the relevant cover for your stock, cash and premises.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Read more FAQs

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