Business insurance for Psychotherapists

Psychotherapy insurance takes your profession’s risks into account, providing financial protection against setbacks and allegations of wrongdoing.

Alongside professional treatment liability insurance, psychotherapists can select from a range of covers to protect their business, mitigate the impact of clinic break-ins, and underwrite public liabilities.

When problems arise, comprehensive psychotherapy cover means you don’t need to face them alone.


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Why choose Hiscox for psychotherapy insurance?


Award-winning insurer

300,000 UK businesses trust Hiscox – and our awards speak for themselves

*Figures based on policies from at least 10% of our customers.


Flexible cover from £10 per month*

Since our cover is tailored to your unique business needs, you only pay for what you select


Access to expert support

Our Business Support Hub brings access to unlimited phone advice and discounted access to services such as legal support

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Tell us about your business – We’ll help you to build your quote and explore your insurance needs.

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Why psychotherapists need insurance

Accidents and injury

When you run a business, taking responsibility for risks to the public comes with the territory. A client could trip in your reception area, for instance, or a child could slip on your laptop bag and sustain a head injury during couples’ therapy at a private address. You may even stand accused of property damage if someone says you scratched their newly decorated paintwork on your way to a home appointment. Public liability cover means finding yourself in a legal tight spot doesn’t need to carry financial strain.

Treatment goes wrong

On examining a client’s notes, you recommend psychoanalytic therapy to address the unconscious feelings driving their problems. Following treatment, your client might feel this route was a mistake, or allege that bringing painful memories to the surface caused them mental injury, job loss or a relationship breakdown. Likewise, if you slip up on your method during cognitive behavioural therapy, a patient may sue for negligence. Providing professional treatments for the mind is sensitive work – insurance covering this can support you financially if things go wrong.

Unable to work

When a psychotherapist is injured, finding a qualified replacement might not be straightforward. Personal accident insurance provides a range of supportive measures if you or a named employee are out of action due to an accidental injury. If you trip and fall on the ward while visiting inpatients and are unable to travel to work due to a broken arm, then we can provide weekly payments to ease the monetary concerns of being temporarily out of work.

What cover is included in insurance for psychotherapists?

Depending on the circumstances of your business, you may also need to consider adding other covers to your policy: employers’ liability insurance if you employ other therapists or a receptionist for instance, personal accident cover to limit the financial impact of being unable to work or cyber insurance to cover the costs of a data breach or hacking.

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Not sure what you need?

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

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What insurance do I need as a mobile psychotherapist?

Mobile psychotherapists may have specific insurance needs due to the nature of operating on-the-go.

If most appointments are held at private addresses, for instance, then your interactions with clients will take place in a less controlled environment than in a clinic, surgery, or hospital. This might make public liability insurance a priority.

You’ll no doubt carry some equipment along to mobile appointments, such as a laptop and perhaps books. Portable equipment insurance helps to cover the cost of repairs and replacements if business equipment is stolen, lost, or broken on the job.

How do I receive my insurance documents?

Purchase insurance online with Hiscox and you’ll receive immediate cover, bringing instant protection for practicing psychotherapy.

We’ll send your insurance documents straight away. If you opt to receive these via email, then you’ll receive confirmation and official papers within a matter of minutes.

These serve as proof of cover. They will list the types of insurance you’ve included, as well as the value of the cover you select.

Does Hiscox psychotherapy insurance cover working from home?

Yes – a range of Hiscox business insurance products cover psychotherapists who work from home.

If you’ve recently started working remotely, then this type of insurance might be worth considering, since standard home insurance sometimes doesn’t offer full protection for business-owned equipment.

Other types of insurance may also become more relevant when a psychotherapist operates online, such as cyber and data cover. Find out more about the cover you may need as a home-based business.

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Learn more about cyber risks that exist for small businesses, how they change and how you can put protection in place, from staff training to investing in the right technology.

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How much does business insurance cost?

The cost of cover can vary depending on circumstantial factors, as well as the type and amount of cover you select. Learn more with our guide to business insurance costs.