Insurance for music therapists
We understand as a music therapist, encouraging people to express emotions and feelings can be incredibly rewarding. However, your work also presents risks to you and your business. It's essential to have the right music therapist insurance in place that offers the necessary protection.
You can get comprehensive specialist cover at a competitive price in the next few minutes from as little as £1.79 per week (student therapists can get cover from £1.36 per week).* This includes a professional association discount and a 24-hour legal helpline, as well as no excess on the core therapists insurance.**
Here at Oxygen, we can arrange cover that gives peace of mind for you and your business, including:
- Protection
Our professional liability insurance protects you so you can relax and focus on supporting your clients. Underwritten by reputable insurer Hiscox, we can arrange to extend your cover to include hypnotherapy, cognitive behavioural therapy (CBT) and life coaching. - 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
It's quick to get a quote and buy your insurance online. 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.
Get a quote today
Get a quote in minutes, and arrange your Oxygen music therapist insurance online – at a time that suits you. You can also call our team of experts who will offer advice and guidance on protecting your business and arrange your cover over the phone.
We take time to understand your needs to arrange music therapist insurance that's right for your business.
Get Oxygen Insurance
Our music therapy insurance
We have worked with leading insurer, Hiscox, to design specialist liability insurance for music therapists. A civil liability insurance policy, its main purpose is to help with the cost of defending any civil claims against you as well as any damages or compensation awarded against you. It covers you to work anywhere (excluding USA and Canada, which can be purchased separately) and includes home-based, online, and telephone therapy.
Oxygen insurance for music therapists
With the right professional insurance in place, you can relax and confidently support your clients.
Oxygen insurance for music therapists includes cover for:
- Public and product liability.
- Professional indemnity and malpractice.
- Complaints and disciplinary hearings.
- Crisis containment.
- Confidential notes and records.
- Directors’ and officers’ liability (for limited companies).
- Therapeutic wills.
- 24 – hour commercial assistance and legal helpline.
Optional covers available include:
- Employers' liability insurance.
- Cyber liability insurance.
- Management liability insurance.
- Contents insurance.
- Personal accident.
- Legal expenses.
*How we work out example prices. Customers will pay £93.42 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.
Students or trainees will pay £70.99 a year for professional indemnity of £1.5m. £1.36 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.
**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.
Frequently asked questions
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You should have employers liability cover in place from the day your practice starts employing staff. Whether paid or not, you are at risk of legal action from the moment you have any person for whom you are responsible.
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Yes, professional indemnity (PI) insurance is essential for counsellors as this directly covers the advice they provide to clients in sessions. PI insurance will be a requirement of a counsellor's professional body membership and any other contractual agreements they might have in place with businesses they work with.
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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 service provided to clients during their sessions. Counsellors may require certain insurances to meet the membership requirements of their professional body or other contractual agreements with businesses they work with.
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Your individual circumstances and business activities will dictate the insurance you require. Counsellors generally require product liability and professional indemnity insurance as a minimum, along with employers liability insurance should they employ others. Your 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.
