As a professional therapist, wellbeing practitioner or wellbeing consultant, you’re there for your clients to give them the best possible care and support. We have years of experience working with many professionals like you throughout the therapy and wellbeing sector, so we know the daily risks you face.
We're here to help you manage everyday challenges and protect your reputation, your business, and the people you care for.
Be your best self and do what you love with confidence.
Our insurance for therapists and wellbeing practitioners includes:
Plus, key options where necessary...
Get in touch with an insurance expert to get a product liability insurance quote today.
With years of experience in the therapy and wellbeing sector, we help professionals manage daily challenges, protect their reputation and business, and care for those they serve.
Not listed? Don't worry; we provide cover for over 400 specialist disciplines and therapies. Please contact us to discuss your needs.
If you’re unsure on what cover you require. Get the advice and guidance you need by speaking with one of our insurance experts on the phone. Alternatively, if you know what cover you need get a quote in minutes and arrange your business insurance online.
Public and product liability
As standard, we provide £10 million in insurance covering your public liability if you take out professional indemnity and malpractice cover. This ensures your protection in case of accidental bodily injury or property damage resulting from negligence, like a client or student experiencing a trip-and-fall incident within your practice space, whether at home, in your workplace, or on other premises.
Professional indemnity and malpractice
This insurance protects against claims related to your work as a therapist or wellbeing consultant. Suppose a client alleges that your actions or guidance resulted in their injury or illness. In that case, you may need to defend your teaching methods and approach. It offers civil liability, not just for professional negligence, giving you peace of mind. There are five levels of cover to choose from, ranging from £1.5 million to £10 million.
Personal accident: Without insurance, you may face substantial income loss if you cannot service your clients due to an accident sustained while working or outside of your professional practice. Not to mention any potential medical expenses you may incur. Personal accident insurance is an optional upgrade that provides financial support, ensuring you can cover your expenses and maintain your quality of life while you recover. There are three levels of cover available:
If you require higher cover limits, please speak to one of our advisors who can arrange an alternative quotation.
Complaints and disciplinary hearings: You'll receive special assistance responding to a complaint made against you to your professional body or regulators. We're here to support you, including giving specialised help in preparing your response and legal representation at or leading up to disciplinary hearings
Crisis containment: Get up to £25,000 of cover for managing and mitigating crises specific to your approaches. As a therapist or wellbeing practitioner, you might face situations that could harm your reputation or financial stability. This cover helps with crisis management expenses, public relations, legal support, response planning, and reputation protection.
Directors and officers liability: If you're a limited company, you'll receive up to £100,000 cover for key individuals facing allegations of personal wrongdoing. This protects directors, officers, partners, and other leaders in case of accusations like breach of duty, trust, negligent errors, defamation, or health and safety failure.
Transfer of client records: Get up to £5,000 for assistance with destroying or transferring client files to another similar business if you die or permanently unable to work due to a disablement.
Get a no obligation quote in minutes and arrange everything online.
As a trained therapist or wellbeing practitioner, we know you focus on supporting and guiding your clients through challenging times. However, giving this support also presents risks to you and your business. Having the right insurance in place is essential to offer the necessary protection.
Our cover gives peace of mind for you and your business, including:
Protection: Our professional liability insurance protects you so you can focus on supporting your clients.
Professional advice and support: Throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We're here to support you should you need to make a claim.
Saving you time: Getting a quote and buying your insurance online is quick. If you'd prefer to speak to a member of our experienced team, we're here to give you the help you need whenever and however you need it.
Trusted and dependable: Award-winning Oxygen™ is part of Marsh, the world’s leading insurance broker and risk advisor. We use our size and scale to negotiate comprehensive and competitive insurance for your benefit. Working with trusted AA+-rated insurers to underwrite the cover ensures they have financial stability and are dependable in the unfortunate event of a claim.
*1 How we work out example prices. Customers will pay £92.32 a year for professional indemnity of £1.5m if they are also a member of one of the recognised professional bodies that receive 20% discount from us. £1.79 per week is based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. This is the prices from amount as customers have the option of increasing their level of cover and therefore may pay more than this.
*2 No excess applies to the core therapists insurance (public liability, professional indemnity, employers liability, directors and officers), however, for any additional insurance taken certain excess may apply. Please contact us for details.
*3 In 2023, Oxygen™ proudly received the Feefo Gold Trusted Service Award for excellence in customer service.
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Oxygen is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2024 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.
Our client service portal provides 24/7 access to your account and policy documents.
The portal enables us to be more environmentally friendly as we reduce the amount of printed policies and adopt a digital approach.
Yes, professional indemnity (PI) insurance is important for therapists, wellbeing practitioners and counsellors as it directly covers the advice they provide to clients in sessions. PI insurance is often a requirement of a professional body membership and any other contractual agreements they might have in place with businesses they work with.
The knowledge that experienced claims professionals will support you is just as important as the policy cover.
Our dedicated in-house claims team will be by your side, fighting your corner from start to finish. We promise to be there when it matters most.
Legally, you must have employers liability cover in place from the day your practice starts employing staff. There is limited exceptions to this, for example if you only employ immediate family members (see: www.gov.uk/employers-liability-insurance). Whether paid or not, you are at risk of legal action from the moment you have any person for whom you are responsible. Even if you employ family members, having employers liability insurance is typically still recommended to help protect you.
Therapists, wellbeing practitioners and wellbeing counsellors require insurance to protect them against the risks they face whilst delivering their services. Insurance can cover the cost of defending claims of poor advice, malpractice, negligence, injury or property damage in relation to services provided to clients during their sessions. They may require specific insurances to meet the membership requirements of their professional body or other contractual agreements with businesses they work with.
Your circumstances and business activities will dictate the insurance you require. This generally includes public and products liability, professional indemnity insurance as a minimum, and employers liability insurance should you employ others. Your insurance broker might recommend further cover based on your individual needs, such as management liability portfolio, cyber insurance, and cover for contents such as computer equipment.
We provide discounts for members of the following professional bodies:
