Personal indemnity insurance typically covers:

  • Negligence Claims: Protection against claims that a counsellor’s actions or advice led to client harm or distress.
  • Legal Costs: Coverage for legal fees associated with defending against claims, even if the claims are found to be unfounded.
  • Settlements and Damages: Financial support for any settlements or damages awarded to clients as a result of claims.
  • Breach of Confidentiality: Protection in cases where a client alleges that their confidentiality was breached.
  • Defamation Claims: Coverage for claims related to defamation that may arise from the counsellor’s professional conduct.