Business insurance for psychologists

The psychology profession carries responsibility – insurance helps offset avoidable worries, so you can commit to stellar practice.

Whether you work in clinical or academic settings, as a self-employed psychologist or contractor, proximity to people brings risk. For instance, psychologists may face legal action if a patient identifies therapy errors – insurance can offer financial help in such cases. Treatment isn’t the only concern – a research psychologist may face problems if a study participant is injured, or if interview data is stolen by cybercriminals.

Insurance can offer psychology businesses the resilience to face unexpected bumps in the road.

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Why choose Hiscox for psychology insurance?


Flexible cover from £9.80 per month*

We make it possible to tailor cover and pay monthly for optimal flexibility

*Figures based on an average of at least 10% of our customer base between October 2020 and October 2021


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We’re proud winners of the Feefo Platinum Service award, voted for by real customers


Cover wherever you work

Whether you’re working from home, in your office, or visiting clients

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Why do psychologists need insurance?

Accidents on placement

Working as a psychologist leads you to clients’ offices, where you provide training within their occupational health department. Unfortunately, during set-up for a presentation, you spill coffee on a high-specification laptop that isn’t yours – and your client seeks compensation. Insurance can help protect a psychology business from the financial implications of claims related to property damage or injuries. It’s welcome reassurance since accidents that seem minor can lead to significant liability claims.

Office issues

Arriving at your office is usually straightforward – you unlock the door, step inside and begin typing up case studies or working on statistical analysis. One morning, however, an overnight flash flood has caused disruption. Your floors have buckled, equipment is beyond repair and responders say they need to investigate possible problems with electrical cables in the walls. Selecting property insurance can help a psychology professional to withstand problems that strike out of the blue.

What cover is included in insurance for psychologists?

Psychologists may also find employers’ liability insurance to be beneficial, sometimes essential, if you expand your business and have hired others and personal accident cover too.

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If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.

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Does my insurance cover working from home?

Yes, there are several types of insurance that may benefit psychologists who work from home, all or part of the time.

Our guide to insurance for home-based businesses outlines the key types you could require. This includes contents insurance for business equipment kept within the home and portable equipment cover for psychologists who travel between locations.

Considering ways to tailor insurance according to working arrangements might help to maintain comprehensive cover if your standard home or commercial property insurance policies don’t include working from home considerations.

Do I need specific qualifications or membership to get insurance cover as a psychologist?

At Hiscox, we don’t ask you to provide proof of qualification at the time of taking out insurance, but such evidence might be required in the event of a claim.

For this reason, it’s a good idea to ensure your qualifications and chartered membership status match up to the occupation details you provide.

For professional psychologists, having chartered membership with the British Psychological Society (external link) is typical. This marker of expertise is reserved for those who have completed an accredited degree or conversion course, plus specialist postgraduate training.

How much is business insurance for a psychologist?

The cost of business insurance for psychologists starts at just £9.80 per month* with Hiscox. We allow for monthly payments and let you cancel anytime with no fees.

Individual costs will depend on the policies you opt to include, however, as well as the cover limits you select – higher sums of protection may cost more.

We also consider some information about the risks your business encounters when pricing quotes. Read more with our FAQ guide to business insurance costs.

*Figures based on an average of at least 10% of our customer base between October 2020 and October 2021

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