Holistic Insurance
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What is holistic therapist insurance?
Holistic therapists work with all elements of their clients to try to find balance. In body, mind and spirit the aim is to make your clients feel better. However, if something goes wrong it’s vital to have the right holistic insurance in place, otherwise, you could be facing hefty compensation claims.
Holistic therapist insurance is designed to cover the risks you face while treating clients, whether you work as a mobile therapist or from a salon.
Types
Public liability
Hopefully, your clients will leave the treatments you offer feeling refreshed and restored. Occasionally, though, accidents can happen. Public liability insurance is there to protect you if a client is hurt on your premises. It will also cover costs if you accidentally damage their property, for example, if you spill massage oil on their handbag.
While it is not required by law, most businesses dealing with the public choose to take out public liability cover.
Malpractice cover
Holistic therapies are designed to be gentle. If something goes wrong, you could find yourself facing a claim from a client if they think you have been negligent and your treatment has actually caused them harm or injury.
Malpractice insurance will protect you in these circumstances. It covers the cost of defending claims of negligence or mistakes, and will also pay out any compensation ordered by a court.
Check the terms of your policy carefully, as most malpractice covers will have exclusions.
Product liability insurance
If you sell any kind of products to your clients for aftercare, for example, essential oils for use at home, you should consider product liability cover. If a faulty product harms your client or damages their property, the policy will cover any associated costs.
Other types of cover which may benefit holistic therapists include:
Loss of earnings cover – as many therapists work on a freelance or self-employed basis, if you’re unable to work for a period, this policy protects your income.
Employers’ liability insurance – if you employ anyone in your holistic therapy business, you’ll need to make sure you have this cover. It offers financial protection if an employee is hurt and claim against you.
Contents cover – it makes sense to protect your business premises if you work from a dedicated salon or treatment room. In the event of theft, contents cover will mean you can replace what has been stolen and get back on your feet faster.
Legal expenses cover – this offers additional protection against legal fees. Legal costs can run into the thousands in defending claims. This type of cover means that you can defend any action without having to worry about the financial implications on your business.