Cover against claims for malpractice and liability
As someone who works as a counsellor, you interact with numerous clients on a regular basis. And whenever you’re dealing with members of the public, it’s wise to protect your counselling business against legal risks. Your work doesn’t typically involve physical contact, but there’s always a chance that a client could accuse you of doing something wrong. And if a court ever rules that you are liable for malpractice, injury or property damage, it could mean big problems for your business.
Hiscox business insurance can help if your company ever faces a legal challenge. We provide cover tailored to your specific business activities, giving you the protection and peace of mind you need.
Professional Treatment Liability insurance for psychotherapists
As a therapist, you always do your best to help your clients. But it’s almost inevitable that some clients will not view your work that way. And if a client ever takes you to court over your work, having professional treatment liability insurance could save you a lot of money. It could help with the costs of defending or settling a court case, or with paying out compensation.
This kind of psychotherapy insurance protects you:
- If a client claims that therapy sessions with you have caused them anxiety
- If a client claims you have given them bad or inappropriate advice
- If a client claims you shared their information without consent or breached confidentiality in some way.
Find out more about Hiscox professional treatment liability insurance
Public Liability insurance for psychotherapists
If a client or member of the public claims that your business caused them property damage or bodily injury, there could be serious legal repercussions. This is where public liability insurance for psychotherapists comes in handy. It protects you against the costs of settling or defending a legal case that arises from such an incident.
For example, liability insurance for psychotherapists would protect you:
- If a client or member of the public were to sustain a personal injury on your premises. For example, if they were to trip on a wet floor.
- If a client’s property were to be damaged by your business. For example, if you were to knock over and break an expensive item while visiting a client in their home.
- If, during your work day, you or an employee were in a car accident. In some situations, the other parties could claim that your business is responsible.
Find out more about Hiscox public liability insurance
Employers’ liability insurance for psychotherapists
Do you employ other people in your therapy business? If so, there’s always a chance that they could become injured or ill because of something that happens at work. This could result in them taking legal action to seek compensation from you. And if you are exposed for breaking health and safety regulations, you could be prosecuted.
Employers’ liability insurance can give you the protection you need in these situations, potentially covering the cost of defending or settling legal cases. However, it’s worth noting that this kind of counselling insurance only covers your employees, and it doesn’t protect you personally.
Find out more about Hiscox employers liability insurance
Do I need both Public liability + Employers’ liability insurance?
If you employ one or more members of staff, your business is legally required to have employers’ liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public consider this kind of counselling liability insurance essential. It’s worth noting that your employees are not covered by public liability insurance.
Tailor your business insurance quote
- Award-winning claims service
- Immediate coverage and documentation
- No admin fees if you amend your policy
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If you’re running your own business, it’s also worth protecting your office space. If an incident resulted in damage of your office environment, your furniture or your IT equipment, it could make it difficult for you to keep seeing your clients. This is where Hiscox office insurance can help.
It can protect your office against loss or damage, including:
- Lost or damaged furniture and office equipment
- Increased costs of continuing work following accidental failure of utility services for more than 24 hours
- he costs of replacing or reconstituting lost business documents and data
- Your liability arising out of revenue-generating activities
Personal Accident insurance
Our personal accident insurance is designed to support you, as a business owner, if you or a key employee are unable to work due to an accidental bodily injury. The sudden loss of a member of staff could have a significant detrimental effect on your business. This psychotherapist insurance policy can help protect against the financial impact by providing your business with a lump sum or weekly amount up to the limit of your cover.
More about Hiscox Personal Accident Insurance
Cyber & Data insurance
As a psychotherapist, computers might not be an integral part of your business, but you probably still use them for record-keeping or appointment-booking. If you do, there is always the risk of being attacked by a hacker or experiencing a data leak. In these situations, cyber and data insurance could be very helpful. This kind of psychotherapist insurance protects you against potential legal and recovery costs in the event of an incident, while providing you with year-round peace of mind.
More about Hiscox Cyber and Data Risks Insurance
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What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: