Psychotherapy Insurance

Specialist Psychotherapy Insurance

  • Specialist UK provider.
  • No hidden fees.
  • Flexible cover dates, 1 day to 1 year.
  • Includes Cyber Liability as standard.

By clicking to obtain psychotherapy insurance quotation you are being transferred through to our specialist provider Tapoly. Tapoly are authorised and regulated by the Financial Conduct Authority, reference number: 783637.

Cover Overview – PI Insurance

If you offer advice or services it is vital that you protect yourself, your business and your reputation by investing in professional indemnity cover.

Who Needs PI Cover?

Anyone who gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Professionals such as psychotherapists are prime candidates for carrying PI insurance. PI should be the cornerstone of any psychotherapy insurance package.

PI Policy Overview

PI insurance offers protection for service errors, contract performance disputes or any other professional liability issues. These policies can include legal defence costs, damages and compensation due to professional negligence.

PI policies generally have both a claim limit and an annual limit, which is based on the insured’s exposure. The claim limit is the maximum amount that will be paid for any single event, and the annual limit is the maximum that will be paid in any one year.

Like a Call Back? No Problem.

Still Like to Know a Bit More?

As a professional psychotherapist, you are expected to provide quality services. However, despite your best intentions, mistakes or misjudgements can occur. Clients could sue you or your company, and in addition to paying to defend yourself in court, you would also be responsible for potentially extensive compensation costs if found at fault. If you fail to protect yourself against this liability, the consequences for your business could be financially devastating.

Professional Indemnity Cover

You should protect yourself with professional indemnity insurance cover.  Any psychotherapy insurance package should start with this cover. In the event of a claim, this policy will cover defence costs in court and any monetary damages awarded to the claimant if you are found at fault.

However, just purchasing cover is not enough. You will also need to engage in effective risk management as well as report claims on first knowledge. Reporting and responding to claims immediately by developing an appropriate response plan can ensure that you have the best chance of a favourable outcome. Your psychotherapy insurance package is there to protect you so please keep your broker or insurer informed.

Quick Response Plan

Your best risk management defence is to craft a specific plan for responding to professional indemnity claims. The following elements should be addressed in your plan:

  • Report the claim to your broker or insurer as soon as possible. Insurers will accept verbal notifications and written notifications. Late notifications could void your cover and enable insurers to not pay the claim.
  • If required your insurers will appoint a legal defence team to represent you in the claim. Insurers may identify or hire an expert. The claimant will generally hire an expert witness to testify that you breached your professional duty, so insurers will have an expert defend your work.
  • Consider gathering documents, taking notes and photographing anything relevant to the claim.
  • Review documents, and events leading up to the claim, communicate with involved parties, attend depositions and perform other necessary duties?
  • Assemble documents and stay organised. A large claim can be very time intensive, but the more organised you are with documents and timelines, the less it will cost you in lost hours.

To discuss your psychotherapy insurance please call today on 0113 3904646, or visit our Contact Us page.

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