Psychotherapists’ Insurance

Our tailored liability cover for psychotherapists defends you against claims made against you.

03301 235 810

Monday - Friday 8.30am - 5.30pm

Email us for a call back

About Psychotherapists’ Insurance


Quality psychotherapist insurance service

Get specialist cover in five minutes from as little as £55.35 per year, with no hidden fees or charges* (T&Cs apply)


International cover

Worldwide cover including internet calls (if you are UK-based)


Membership discount

Discounts available for members of a variety of professional bodies


Full civil liability cover

Our policies provide full civil liability cover as standard.

Features of Psychotherapists’ Insurance

Standard cover

Worldwide cover including telephone and internet calls

Our psychotherapist insurance policies cover you to work anywhere in the world and also includes cover for work which occurs over the telephone or on internet calls with services such as Skype, Teams, Zoom etc. We can arrange cover for a variety of methods of working.

Comprehensive psychotherapist liability insurance

Professional indemnity forms a vital part of our liability package, which also includes Public and Products Liability, and Libel and Slander cover. With our package, you can be sure that your business is covered against a multitude of legal-related risks.

Psychotherapist compensation claims covered

Your policy provides cover for compensation and legal defence costs in the event of claims for professional negligence, breach of confidentiality, and injury to clients or members of the public. Knowing that this is covered by your insurance will give you greater peace of mind.

Free legal helpline for psychotherapists

As well as covering successful compensation claims against you, our policies can also cover you for the defence costs of an unsuccessful claim, including loss of earnings. If you suspect a claim is being raised against you, we’ve teamed up with a 24-hour helpline service which can provide instant impartial advice.

Psychotherapists' Insurance FAQs


How do I know how much cover I need as a psychotherapist?


As every profession is open to different risks and claims for unforeseeable events, it's not possible for us to safely recommend a level of cover. It is your responsibility to ensure sufficient cover is in place. However, we can 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. Industry organisations or professional bodies may be able to provide guidance.


I only work as a psychotherapist at home, do I still need professional indemnity insurance?


Yes. Professionals who send out products, offer advice, or provide services from their own home can still cause harm for which they may be liable. For this reason, it’s important you don’t make an assumption that negligence claims cannot arise while working from home. Speak with an adviser about the potential risks you face.


Do I still need insurance after I stop practising?


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


Do I receive a discount as a member of a professional association?


Being a member of a professional association or industry body can entitle you to preferential rates. Speak to one of our advisers to find out what association benefits you are entitled to.


Can I pay in instalments?


If you would prefer to spread the cost of your policy, you can set up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

See how PCL work with Towergate by reading our Regulatory Information.


* What are the terms and conditions of the £55.35 price?


Offer available. Price based on a BACP student member selecting a £1million limit of indemnity as a sole trader. Underwriting and eligibility criteria will apply.

Price correct as at July 2021.

How do I make a claim?

When you need to make a claim, we’ll 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 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim