It's difficult to recommend a specific cover level for a music therapist. There are various levels of cover to choose from, ranging from £1.5 million to £10 million. Your broker can advise you, but selecting the highest cover you can afford within your budget is recommended.
Insurance for music therapists
Award-winning Oxygen™ provides comprehensive and competitive insurance for music therapists. In fact, we arrange specialist insurance policies for over 15,000 therapists.*1
Although you may know us as experts in arranging professional liability insurance, we offer a wide range of business insurance cover options to protect your music therapy business.
You can buy online in minutes, or if you’re unsure what kind of cover you need, our friendly team is always happy to help if you prefer to speak to us.
Music therapist insurance arranged by Oxygen™ features a range of benefits:
- Comprehensive music therapist insurance cover from as little as £1.79 per week (or £1.36 if you are a student).*2
- This includes a 20% discount for members of recognised professional associations, such as the PTUK—Play Therapy United Kingdom and the British Association for Counselling and Psychotherapy (BACP).
- No excess on the core therapists insurance.*3
- 24-hour commercial assistance and legal helpline.
- Oxygen’s award-winning customer service.*1
- Trusted by over 15,000 therapists.*1
- Underwritten by a well-known UK-based insurer for financial security.
Cover can also include hypnotherapy, life coaching and cognitive behavioural therapy (CBT) if required (at no extra cost). We can also arrange cover for other treatments like art, drama and play therapy.
Get music therapist insurance now
Buy online today using our quick quote and buy – our experts are always on hand to support you.
Why does a music therapist need insurance?
As a music therapist, working with your clients using music and sound to address their emotional, mental, or physical issues can be rewarding. However, there are risks associated with delivering these therapeutic sessions that may not be music to your ears.
While using music to enhance your clients’ mental and emotional health, there's a chance of dissatisfaction or unintended outcomes, which could lead to legal claims. The right insurance includes cover for legal expenses and potential settlements, ensuring you can focus on your practice without worries of legal and financial repercussions.
What type of music therapist insurance do you need?
It's essential to have professional liability insurance policies to protect yourself and your music therapy business from specific risks.
As a music therapist, you may need the following protection:
- Public liability insurance to protect against potential client injuries on your premises.
- Professional indemnity cover to safeguard you if a client files a lawsuit alleging negligence or malpractice.
- Personal accident insurance if you're unable to work through accidental injury resulting in permanent or temporary disablement.
- Business equipment to cover the cost of replacing the tools and kit you need to do your work if they're lost or damaged.
- Legal expenses to cover legal costs and legal fees involved for incidents such as contract disputes, tax protection and debt recovery.
Plus, key options can be included if required:
- Employers liability insurance
- Cyber insurance
- Management liability insurance
- Contents insurance
- Personal accident.
What does a music therapist's insurance policy typically cover?
Public and product liability
As standard, we provide £10 million in insurance covering your public liability. This ensures your protection in case of accidental bodily injury or property damage resulting from negligence, like a client experiencing a trip and fall incident within your practice space, whether at home or in your workplace.
Professional indemnity and malpractice
This insurance safeguards against claims related to your therapeutic work. Suppose a client alleges that your actions or guidance resulted in their injury or mental illness. In that case, you may need to defend your music therapy 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.
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 coverage for managing and mitigating crises specific to your therapeutic approaches. As a music therapist, 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 – with the option to increase this up to £2 million. 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.
Professional wills
Get up to £5,000 cover for assistance with reallocating or securely destroying client notes and records in the event of death or incapacity.
Personal accident
Without insurance, you may face substantial income loss if you cannot service your clients due to an accident, not to mention any potential medical expenses. Personal accident insurance provides financial support, ensuring you can cover your costs and maintain your quality of life while you recover.
What's not insured?
- Public and products liability insurance claims brought in US or Canadian courts are excluded.
- Professional indemnity insurance claims brought in US or Canadian courts are excluded. The policy can be extended to include US/Canada jurisdiction – price and options are subject to terms and conditions.
We’re always transparent about what’s included or excluded in the business insurance we arrange. Please note that this list above is not exhaustive, and as with all insurance, terms, conditions, and exclusions apply. Please contact us for full details.
Get music therapy insurance cover now
Buy online today using our quick quote and buy – our experts are always on hand to support you.
Why choose Oxygen™ to arrange your protection?
As a music therapist, we know you're focused on using music to support your clients to improve their wellbeing, communication, and emotional expression. However, as rewarding as this can be, it also presents risks to you and your business. An insurance policy that’s in tune with your business and offers the necessary protection is essential.
Our cover aims to give you peace of mind, for you and your business, including:
- Protection: the professional liability insurance we arrange 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.
- Trusted and dependable: Award-winning Oxygen™ is part of Marsh, the world’s leading insurance broker and risk advisor*3. 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 In 2023, Oxygen™ proudly received the Feefo Gold Trusted Service Award for excellence in customer service.
*2 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.
*3 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.
Music therapy insurance FAQs
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Music therapists need insurance to safeguard against risks while delivering their therapeutic services. It covers the defence costs for claims like poor advice, malpractice, negligence, and injury or property damage during a class.
This insurance is often needed to meet professional body membership or contractual agreements with businesses.
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Yes, music therapists may need professional indemnity (PI) insurance to cover the advice given to clients during sessions. PI may often be a requirement for professional body membership and contractual agreements with businesses.
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The price of music therapist insurance depends on your specific situation and any additional optional cover you include. Oxygen's policy begins at £93.42 annually, but the best approach is to request a free quote to obtain an accurate cost estimate.
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The insurance music therapists need depends on their situation. Typically, they'll require public and product liability and professional indemnity insurance.
Your broker may suggest additional cover, such as cyber insurance, cover for contents such as computer equipment, and employers liability if you employ staff.
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We provide discounts for members of the following professional bodies:
- ABP – The Association for Business Psychology.
- AC – The Association for Coaching.
- ACC – The Association of Christian Counsellors.
- ACP – The Association of Child Psychotherapists.
- APHP – The Association for Professional Hypnosis and Psychotherapy.
- Barefoot Coaching.
- BACP – British Association for Counselling and Psychotherapy.
- BABCP - British Association for Behavioural and Cognitive Psychotherapies.
- BPC – British Psychoanalytic Council.
- BPS – British Psychological Society.
- CPD – Chartered Institute of Personnel and Development.
- CMC – Civil Mediation Council.
- CNHC – Complementary and Natural Healthcare Council.
- CoM – College of Mediators.
- COSCA – Counselling and Psychotherapy in Scotland.
- CORST – College of Sexual and Relationship Therapists.
- EMCC – European Mentoring and Coaching Council.
- FMA – The Family Mediators Association.
- GHR – General Hypnotherapy Register.
- HCPC – Health & Care Professions Council.
- ICF – International Coach Federation.
- NCH – The National Council for Hypnotherapy.
- NCS – The National Counselling Society.
- PTUK – Play Therapy United Kingdom.
- UKATA – The Association for Transactional Analysis.
- UKCP – The United Kingdom Council for Psychotherapy.
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There are a range of therapy professionals covered by Oxygen Insurance:
- Psychology
- Counselling
- Psychotherapy
- Hypnotherapy
- CBT
- NLP
- Stress management
- Life Coaching
- Some alternative therapies
- Coaching
- Mentoring
- Business executive coaching
- Mediation
- Education consultancy including school inspections
- Management consultancy.
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Equally important to the policy is the support you get in the event of a claim.
Our in-house customer service team will stand by you and support you throughout the process of making a claim. We're committed to being there when it matters most.
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Access your account and policy documents 24/7 through our client service portal. It's convenient and eco-friendly, reducing the need for printed policies with our digital approach.
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