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Speech Therapists Insurance

Protecting speech therapists with public liability insurance from under £55* per year

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Excellent 4.7 out of 5

Professional Saver Speech Therapy Insurance


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

As a speech therapist, having comprehensive insurance is crucial to protect your livelihood if claims arise involving client injury, property damage, or financial loss while working. Our tailored policies provide essential cover for your business against negligence allegations.

Why Speech Therapists Need Specialist Liability Insurance

As a speech therapist, you work closely with vulnerable client groups, including children, the elderly, stroke victims, and more, to assess and treat speech, language, communication, and swallowing disorders impacting quality of life. However, accidents or issues can arise during therapy sessions, for example, a child could choke on an object or an elderly client may trip over misplaced equipment and suffer injury.

Without adequate insurance, you risk facing substantial legal costs and compensation payouts if an affected individual or their family decide to claim damages against you. Our specialist liability policies give you complete peace of mind that claims will be handled swiftly and professionally. We offer tailored speech therapist insurance starting from just £59 per year.

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Why choose Professional Saver speech therapists insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

How our speech therapists insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

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What Is Speech Therapists Insurance?

Speech therapists insurance protects specialists who assess, diagnose, and provide clinical treatments to help patients – often children – improve their communication abilities and manage verbal disabilities related to speech fluency, language comprehension, and oral motor skills.

As a developmental speech therapy professional, your interventions assist those struggling with verbal expression. However, incorrect therapies risk worsening issues like:

  • Stammering from flawed anxiety advice
  • Impaired social skills from counterproductive guidance
  • Insufficient progress, leading to loss of patient confidence

Equally, without cover, disputes over unexpected medical complications from poor clinical judgement could be financially ruinous.

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What Our Speech Therapy Policies Can Include:

Public Liability Insurance

  • This covers any injury suffered by clients or damage caused to their property while you are conducting speech therapy sessions or visiting for assessments. For example, you could be liable if a child trips over your therapy bag left in their family home.

Legal Expenses Insurance

  • This pays your legal costs and provides specialist legal representation if you face claims alleging professional negligence. It covers the costs of defending yourself against demands for compensation pay-outs.

Professional Indemnity Insurance

  • This optional cover provides protection if your negligence, errors, or flawed therapy advice leads to financial loss for a patient. For example, incorrect treatment guidance that delays a child’s speech development could lead to loss of future income and substantial claims.

Tools and Equipment Insurance

  • If added to your policy, this cover replaces items lost, stolen, or damaged when visiting clients and at your therapy practice. Policies cover therapy tools like audio players, visual aids, textbooks, and any other equipment used during consultations or rehabilitation sessions.
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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

FAQs

Speech Therapists Insurance FAQs

Speech therapists often work closely with vulnerable groups like children and the elderly, where complications could prove disastrous without insurance. If flawed therapy advice or negligence leads to delayed development, choking incidents, or other issues, substantial legal and compensation costs may be involved.

Our range of covers protects against injury, accidental damage, and financial loss claims stemming from your professional work. Without them, your business faces enormous risks.

Some examples of incidents we commonly cover include:

  • A child chokes on a small toy during a therapy session at your practice
  • Incorrect swallowing exercises lead to breathing issues and hospitalisation
  • An elderly client trips on a trailing cable left on the floor, suffering a broken wrist
  • Flawed speech therapy delays a child’s development, resulting in lost future income

Our public liability policies cover scenarios involving injury and property damage. Our professional indemnity insurance handles financial claims like loss of income or earnings due to delayed development.

We provide protection against claims stemming from all common areas of speech therapy, including:

  • Speech disorder diagnosis, assessments, and ongoing therapy
  • Language disorder testing, rehabilitation, and treatment
  • Swallowing disorder evaluations, management, and guidance
  • Cognitive communication disorder identification and therapy
  • Hearing disorder assessments, hearing aid fittings, and rehabilitation

Essentially, any claim arising from your professional advice, treatments, or programmes you deliver to clients falls under our cover. This gives you peace of mind to focus on providing care.

Thanks to our optional professional indemnity cover, you would be protected in the rare event that confidential client records or therapy notes are lost or accessed by unauthorised parties. We cover costs involved with informing those affected, PR crisis management, fines, and potential claims arising from such breaches. Please note that this cover does not include electronic data loss or cyber breaches.

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