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Counsellors Insurance
Join over 37,000 talking, complementary and alternative therapists like you.
- Professional indemnity, public liability, and product liability cover*
- Cover available up to £5m online, or contact us to increase to £10m
- £250k legal defence cover and 24hr legal advice helpline
- No excess to pay
*The limit of indemnity selected will be the limit provided in any one claim and the limit in the annual aggregate in any one Period of Insurance in respect of pollution or contamination.
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Award winning customer service
Feefo 10 years of excellence award
for Towergate's consistent high quality service
Why choose counsellors insurance with Towergate?
Counsellors insurance quote in minutes
Get a specialist cover quote in 5 minutes.
Counsellors liability cover
Professional indemnity, public liability and product liability cover up to your chosen level of indemnity*
Legal cover for counsellors’
Up to £250,000 legal defence cover automatically included and access to a 24-hour legal helpline
Pay for counsellors cover by Direct Debit
You can choose to split your payments into 10 monthly instalments by Direct Debit**
About counsellors insurance
Choice of indemnity cover to meet you and your business’s needs
Insurance cover will be provided up to your chosen limit of indemnity for Professional Indemnity, Public Liability and Product Liability Insurance. This covers the amount you may have to pay as compensation should the advice or guidance that you give to your clients lead to loss or injury to them. You can select cover limits including £1m, £2m and £5m, if you require a higher level of cover up to £10m or you need to add Employers' Liability cover (a legal requirement if you choose to take on any staff) you will need to speak to one of our team on 0330 123 5810. The indemnity limit you select is the maximum amount you will be covered for all claims during your policy period, regardless of how many claims are made.
Training extensions
If you choose to train others, this cover is automatically included for the business activities you add to your policy.
Legal cover and 24 hour legal helpline
Legal defence cover for criminal proceedings is automatically included in your policy up to £250,000. You will also have access to a 24 hour legal helpline and the Markel Law Hub, an online resource of expert legal and business guides, templates and content, provided by Markel Law LLP. This covers everyday legal issues around employment, health and safety, trading and contracts, cyber and data, debt and insolvency and business law resources.
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, virtually, renting a room, working at events, and more. Cover is provided for you to work outside of the UK on a temporary visit not exceeding 60 consecutive calendar days, as long as your permanently live in the UK. Cover is excluded for any action brought in any court of The United States or Canada.
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. If you require this cover, please give our team a call on 0330 123 5810
Discounts for members of professional bodies
If you’re a member of a professional body you may be eligible for a discount. During your quote, let our advisers know and we’ll take care of the rest.
Additional cover for your business
There are several additions you can make to your policy to suit your needs, as well as a range of specialist insurance policies to protect your livelihood and clients, including:
- Cyber cover
- Home business insurance
- Personal protection*
If you require any of these covers, 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 careclaims@towergate.co.uk and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Get a quote online
- Or call 03301235810
- Purchase and relax - You're covered!
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.
Please ensure you carefully consider the limit of indemnity selected to ensure this meets your needs. The limit of indemnity selected is provided within the aggregate for any Public, Products or Professional Indemnity claims as a combined maximum amount in any one year. For example, if your level of cover is £1,000,000, your insurer will never pay out more than that, in total, for all claims and their associated legal costs in a year.
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.
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