Hiscox Professional Indemnity
Tailored professional indemnity insurance for therapists and counsellors. Competitive rates with flexible cover.
Hiscox is the default professional indemnity provider for UK private-practice clinicians for a reason, competitive cover, clear claims process, and the option to add cyber and public liability without a separate broker.
What we like
- Widely accepted by UK regulators
- Strong claims track record
- Bundle-friendly (add cyber, public liability)
- Instant online quote
Trade-offs
- Not always the cheapest — compare against Balens for smaller practices
Best for
- Established solo clinicians
- Multi-therapist clinics
- Anyone offering online sessions across borders
Not for
- Pure student cover — check membership-body schemes first
What you are actually buying
Professional indemnity and medical malpractice cover for clinicians in private practice, arranged direct with a broker or insurer and renewed annually.
How insurance pricing works
Premiums are the published starting rate for a low-risk, part-time practitioner. Your own quote depends on modality, claims history, turnover, whether you supervise, and whether you work outside the UK. Monthly figures are financed annual premiums, so compare the annual total rather than the monthly line. The figure on this page, From £7/month, follows the same rule.
Who this suits, and who it does not
Required in practice for anyone seeing clients privately, and required outright by most registering bodies and by every clinician listing on Take a Seat. Check that the policy names your specific modalities, cover that excludes what you actually do is worth nothing at claim stage.
What happens after you click through
Get a quote direct from the broker, then send the certificate and expiry date through with your clinician application. We verify insurance before a profile goes live.
Prices and inclusions are checked at review and change without notice, always confirm on the provider's own page. Nothing here is a diagnosis or a treatment recommendation, if you want one, speak to a specialist or build a pathway.