Complementary Therapist Insurance
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Why you need complementary therapist insurance?
Getting the right insurance is vital if you work as a complementary therapist. Whether you work from a clinic, a salon or visit clients in their own homes, if something goes wrong you’ll want to know you are protected financially.
There’s a range of different insurance cover available for complementary therapists. Getting the right cover can feel like yet another time-consuming task, but in the long run means you can relax, and look after your clients with complete peace of mind.
Who needs complementary therapist insurance?
Many types of treatment fall under the umbrella of complementary therapy. If you offer any of the following, specialist insurance cover is available:
- Massage therapy
- Crystal healing
- Hopi candles
What type of cover is available for complementary therapists?
Complementary therapists’ insurance is made up of a few different types of cover.
Public liability cover
Most businesses who deal with members of the public take out public liability insurance. This policy protects you financially if someone is hurt or their property damaged whilst in your care.
For example, if your massage client trips over your table and hurts their ankle, they could claim against you.
Or if you accidentally spill massage oil on your client’s clothes and they need to be professionally cleaned, you could be expected to foot the bill.
Public liability cover is available up to different amounts. The minimum level of cover would normally be £1million, but policies are available in £2m, £5m and even £10million if necessary.
Products liability cover
Many therapists supplement their income by selling aftercare products. If a product is faulty and causes harm or damage, products liability cover will mean you will not be left out of pocket if a client claims against you.
Employers’ liability cover
If you are a self-employed holistic or complementary therapist and you work alone, you will not need employers’ liability cover. However, for any business with staff or trainees, it is required by law. This type of cover protects your business and your staff. If someone is hurt while working for you, the policy will cover the costs of compensation.
Business equipment cover
You might choose to insure any specialist equipment you use in your therapies. Replacing your equipment can be an expensive business, and if it is damaged or stolen could mean you are even unable to trade for a while.
Business equipment insurance means you can quickly get back on your feet if your massage table or other equipment needs to be replaced.
Do I need to inform my insurer if I offer new treatments?
Yes. Always check with your provider that every treatment you offer is covered by your policy.
How much does the complementary therapist insurance cost?
The exact cost of your policy will depend on the amount and type of cover you require. Check with a range of providers to make sure you are getting the best price possible for your needs.
I perform complementary therapies on friends and family. Do I still need a cover?
Even if you offer your services without payment expected, things can still go wrong so it’s a good idea to have cover in place so you are completely protected if the worst happens.