Counselling & Talking Therapies
Just as you look after your client’s best interest, we’ll look after yours. From counsellors to life coaches, no matter what your world looks like, we are here to stand shoulder to shoulder with you to provide expert advice that makes a difference.
Navigating the digital world
The shift from face-to-face to remote service delivery in the last couple of years has been a testing journey for many of you. As a result, you have had to adapt quickly, in some cases completely pivoting your way of working, in turn unearthing a whole host of new challenges and risks to mitigate whilst still being expected to uphold the same level of client support.
Understanding what you need and why
As a talking professional, it can be difficult to fully understand the level of cover you need, with each client presenting different challenges. It is important that you understand the risks that you face and that you feel confident that you have the right solution in place to protect you and your business.
Obtaining personal and bespoke advice
When you spend each and every day looking after your clients, it is only right that you have someone to turn to who understands your field and the unique challenges you face. A listening ear and advice that makes a difference.
Introducing &Breathe – insurance for talking professionals.
Breathe easy knowing everything you need is under one policy and taken care of by a dedicated team who understands what you do and the risks you face.
Led by Steve Johnson, who has 35 years’ experience in the Talking Professionals sector, we’ve designed our exclusive insurance facility which reflects the true challenges faced by your profession.
To obtain a quotation please click here.
The importance of specialist insurance for talking professionals
Working with people, understanding how they think, behave, and the ways in which they need support is always a challenge.
Whether you are a psychologist, mediator or therapist you need to know that your adviser understands what you do, day in and day out, so that they can support you when things go wrong.
That’s why we’ve designed a specialist insurance policy to suit the unique needs of talking professionals: &Breathe.
&Breathe combines all your professional insurance needs under one policy, giving you comprehensive protection while streamlining both cost and administration.
Our clients also benefit from the insight gained from 35 years in the profession. With our dedicated team you’ll enjoy personal service and bespoke advice and have access to an exceptional risk management programme to help prevent problems from escalating. However, should it come to the point where you have a claim or a complaint being made against you, you can breathe easy knowing we’ll stand shoulder to shoulder with you to achieve the best possible outcome for you.
Usual types of cover
Utilising our specialist knowledge of the sector, the &Breathe team have created an insurance policy which has been designed to provide the cover that you need for your professional liabilities. It includes all of the following as standard:
Professional indemnity (PI), sometimes called malpractice or errors and omissions insurance, is essential protection for anyone who provides advice or professional services to a client. This section covers complaints and claims that might arise from your work. Cover is provided on a civil liability basis so is not restricted to claims in negligence.
There is a choice of five different levels of cover:
£2 million, £4 million, £6 million, £8 million and £10 million
The level you choose is the amount available to pay an award of damages or compensation for each and every claim and, in addition, the insurers will pay the legal costs.
The policy includes public liability insurance which provides cover for liability that you may have for causing accidental bodily injury to people or damage to their property in connection with your business.
The level of cover under this section is £10 million each and every claim and in addition, the insurers will pay the legal costs. This section also covers your liability for damage or distress arising from the holding, loss, misuse or unauthorised disclosure of, personal data up to £1 million (including costs) in any one insurance year.
Directors, company officers and senior managers can be held personally liable for the actions and decisions they make on behalf of the company. If they do not act within the law, they could find themselves facing fines and needing to pay compensation for damages that could result in risk to their personal assets. Directors’ and officers’ liability insurance – also known as D&O insurance – is now considered a crucial form of protection for all businesses.
This policy covers D&O up to the value of £100,000.
The costs associated with utilising the services of public relations specialist to limit or mitigate the impact of a crisis which might lead to a claim under the policy. Up to the value of £50,000 under this policy.
Covers the costs associated with complaints to your professional body or regulator and disciplinary hearings.
Cover is provided to help with the costs associated with the execution of a therapeutic or professional will so that, in the event of your death or incapacity, your clients’ confidentiality can be effectively managed. Cover provided up to the value of £5,000.
The policy is available to individual residents, and to limited companies and other legal entities situated, in the UK, the Channel Islands or the Isle of Man. It covers you to work with clients based anywhere in the world whether that be remotely or on a temporary visit overseas.