Insurance for psychologists and therapists who do more than just therapy with Catherine France

In this episode I talk to Catherine France who is an expert in insurance, and really helped me sort out my own insurance arrangements. We have lots of questions and anxieties around insurance, so I'm very happy to have her here today to answer some of the questions that come up when we're setting up in private practice and when we're thinking about doing more than just therapy in our practices.

The highlights.

How did you come to work in insurance?

• Catherine tells us how she came to work in insurance, focusing on small businesses 05:37

What insurance does an average psychology or therapy private practice need to have in place?

• Catherine takes us through the types of insurance we need to have in place, beginning with buildings, contents, and business interruption 09:36
• Catherine talks about public liability and employers liability insurance 12:16
• We discuss the big one: professional indemnity insurance 13:48

What level of insurance cover do psychologists and therapists actually need?

• We discuss the level of insurance you might need 17:08
• We talk about how increasing your insurance may not cost much more in premiums 20:47
• Catherine talks about insurance packages available for small businesses 22:04
• Catherine advises us to check whether our professional indemnity includes abuse cover 23:18
• I ask Catherine about critical illness cover and income protection 26:16

Do our insurance needs change if we start adding in digital products like online courses, blogs or ebooks?

• Catherine advises us on what to do to make sure our insurance keeps up to date as our business grows 29:25

What happens to our insurance if we have clients from overseas?

• We discuss why we need different cover depending on the location of our clients 33:28

Does our insurance have to change if someone from overseas buys a digital product from us?

• I talk about my experience of needing insurance to cover sales of digital products in the US 35:36
• Catherine tells us about why cyber insurance is important 38:41

Are there different insurance requirements for sole traders and limited companies?

• Catherine tells us about directors and officers liability 45:52

Do psychologists and therapists need different insurance if we offer training to corporates?

• Catherine advises us on what may be required 51:04

Where can people find you?

• Catherine tells us how we can get in touch with her 53:34

Catherine’s Links:

Website: https://www.catherinefrance.com

Instagram: @catherinefranceuk

LinkedIn: Catherine France

Twitter: @cathfrance

Blog: 10 Step Guide to Directors & Officers Insurance https://www.catherinefrance.com/post/10-step-guide-to-directors-officers-insurance-you-might-be-surprised-to-find-out-you-need-it

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