The price of wellbeing insurance depends on your specific profession and any additional optional cover you include. Oxygen's policy begins at £1.79 per week. But the best approach is to request a free quote to obtain an accurate cost estimate.
Insurance for wellbeing practitioners
As a professional wellbeing practitioner, your focus is on delivering the best care and support to your clients. With our extensive experience working with professionals like you, we understand the daily risks you face.
We're here to help you manage these risks and protect your reputation, your business, and those you care for.
The benefits of Oxygen™ insurance
Be your best self and do what you love with confidence.
Our business insurance for wellbeing consultants includes:
- Comprehensive wellbeing insurance cover from as little as £1.79 per week, (or £1.36 if you are a student).1
- Up to 20% discount for members of all recognised professional associations, including CNHC – Complementary and Natural Healthcare Council
- £10 million of public liability insurance when you take out professional indemnity and malpractice cover (higher cover limits are available).
- Personal accident cover can be added to protect you if you have an accident or physically injured.
- No excess on the core wellbeing insurance.2
- Oxygen's award-winning customer service.3
- Trusted by approximately 15,000 customers.
- Underwritten by well-known UK-based insurer for financial security.
- 24-hour commercial assistance and legal helpline.
Plus, key optional extras where necessary...
- Employers liability insurance
- Cyber insurance
- Management liability insurance
- Business contents insurance
- Legal expenses.
Get Oxygen Insurance
Contact an insurance expert to get a quote today.
What type of wellbeing insurance do you need?
With years of experience in the wellbeing sector, we help professionals manage daily challenges, protect their reputation and business, and care for those they serve.
Here are just some of the wellbeing professions we offer protection for:
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Wellbeing consultants
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Child psychotherapy
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Clinical psychology
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Homoeopathy
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Meditation
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Nutritional therapy
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Thai Chi
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Sports massage
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Reflexology
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Trauma and bereavement therapy
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Naturopathy
Not listed? Don't worry; we provide cover for over 400 specialist wellbeing approaches.
Want to talk to someone?
Get the advice and guidance you need by speaking with one of our experts on the phone. Alternatively, get a quote in minutes and arrange your wellbeing insurance online.
What does an Oxygen™ insurance policy cover?
Public and product liability: As standard, we provide £10 million in insurance for your public liability cover if you take out professional indemnity and malpractice cover (higher options are available). 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 wellbeing practitioner. 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:
- £5,000 death and injury lump sum or £50 weekly benefit.
- £10,000 death and injury lump sum or £100 weekly benefit.
- £25,000 death and injury lump sum or £250 weekly benefit.
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 coverage for managing and mitigating crises specific to your approaches. As a 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.
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.
Additional options:
- Disputed fees cover
- Confidential notes and records cover
- Loss of documents, including your business records, (up to £60,000)
- Statutory and criminal prosecution defence costs (up to £10 million)
- Worldwide cover (excluding USA & Canada) including overseas personal liability
- In the event of death, retirement or a change in business activities, the policy will be extended to allow notification for up to six years for claims arising from prior work.
- In the event of a career break, the policy will be extended to allow notification for up to three years for claims arising from prior work.
Still not sure what wellbeing insurance you need?
Get the advice and guidance needed by speaking to an expert on the phone. Alternatively, get a quote in minutes and arrange everything online.
Why choose Oxygen™ for your protection?
As a trained 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.
- 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.
- 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.
- In 2023, Oxygen™ proudly received the Feefo Gold Trusted Service Award for excellence in customer service.
Frequently asked questions
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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.
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Yes, professional indemnity (PI) insurance is essential for wellbeing practitioners as it directly covers the advice they provide to clients in sessions. PI insurance may be a requirement of a wellbeing consultant’s professional body membership and any other contractual agreements they might have in place with businesses they work with.
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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.
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We provide insurance cover for hundreds of wellbeing businesses and professions, offering tailored solutions to meet the unique needs of practitioners across various disciplines, for example:
- Psychology
- Psychotherapy
- Hypnotherapy
- Cognitive Behavioural Therapy (CBT)
- Aromatherapy
- Cupping
- Dyslexia Coaching
- Spiritual Counselling
- Business Coaching
- Health and Lifestyle Trainer
- Equine Assisted Therapy
- Bowen Technique
- Hydrotherapy.
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You must 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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Wellbeing practitioners require insurance to protect them against the risks they face whilst delivering their services. Insurance can cover legal costs of defending claims of poor advice, malpractice, negligence, injury or property damage in relation to services provided to clients during their sessions. Wellbeing professionals may require specific insurances to meet the membership requirements of their professional body or other contractual agreements with businesses they work with.
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Your circumstances and your own business activities will dictate the insurance you require. Wellbeing professionals generally require public & products liability, professional indemnity insurance as a minimum, and 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 and business equipment, such as computers.
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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 f0or Transactional Analysis
- UKCP – The United Kingdom Council for Psychotherapy.
