Business insurance for Acupuncturists

As an acupuncturist, you work hard to provide expert care, reliable advice and a personal service that makes your clients feel comfortable as they seek treatment. Unfortunately, no matter how diligent you are, accidents can happen, and your acupuncture business could face damaging claims that are difficult to heal.

Purchasing comprehensive acupuncture insurance could be a crucial step in protecting your business and keep its energy flowing for years to come.

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Professional treatment insurance for acupuncturists

When it comes to acupuncture insurance, you’ll need to consider the risks that may arise as you deal with clients, employees and members of the public, taking into account all potential vulnerabilities your business might face on a day-to-day basis.

Professional treatment insurance can help protect you against claims from your clients that your actions or advice have caused them to suffer an injury or illness. No matter how careful or well-intentioned you may be, working with clients still leaves you vulnerable to these types of claims. Professional treatment insurance can be useful to cover the cost of compensation and legal fees in such an incident, as well as help pay any medical fees for your client.

More about Hiscox Professional Treatment Liability Insurance


Acupuncture liability insurance

If your business deals regularly with members of the public, you may find public liability insurance can be invaluable for keeping your business going in the event of a claim. This type of acupuncture liability insurance can help cover the cost of defending against, and paying compensation for, claims from a member of the public that your business has caused them to suffer an injury, or caused damage to their property. It could cover you for situations such as:

  • If you accidentally cause damage to property: For example, if a member of the public finds their clothing has been torn by your acupuncture table.
  • If there’s an injury at your place of work, or as a result of your work: For example, a member of the public may injure themselves with a used needle accidentally left behind after a treatment.

More about Hiscox Public Liability Insurance


Employers’ liability insurance for acupuncturists

It’s legally required for all business owners who employ one or more members of staff to purchase employers’ liability insurance. This cover can provide financial aid against claims from an employee that they have fallen ill or become injured as a result of working for you. Employers’ liability insurance can cover the cost of providing compensation, treating injury and defending and settling legal cases. Keep in mind, this kind of acupuncture liability insurance only covers your employees, and not members of the public or your clients.

More about Hiscox Employers’ Liability Insurance

Do I need both public liability + employers’ liability insurance?

When it comes to acupuncture liability insurance, there are two types of cover you need to consider. While employers’ liability insurance is a legal requirement if you employ one or more people, public liability insurance is not legally required. However, if your business regularly comes into contact with members of the public, you may find public liability insurance crucial in helping to protect your business.

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Office insurance

Whether your office is based in a clinic or at home, our office contents policy is available to help cover the cost of repairing or replacing any business equipment that is damaged, lost or stolen.

As part of your acupuncture business insurance, you may want to add a range of specialist covers, including:

  • Tool cover: covering equipment used for your business, including needles and electronic equipment.
  • Portable equipment: covering equipment used outside of your business premises, including mobiles and laptops.
  • Business interruption: covering financial losses you may experience if you’re unable to trade due to an unexpected interruption to your business.
  • Equipment breakdown: covering the cost of repairing or replacing office equipment following a sudden electrical or mechanical breakdown.

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Personal accident insurance

Part of your acupuncture insurance cover could include personal accident insurance. As the name suggests, this type of insurance can provide financial support if you find yourself unable to work due to an accident, injury or illness.

Should a sudden incident prevent you from working, this type of cover can provide the funds necessary to keep your business going, or off-set any potential losses. We'll pay you £250 a week until you can return to work, or a lump sum of up to £100,000 for a serious permanent injury. The same cover could also be applied for a key member of staff, if they are unable to work due to similar circumstances.

More about Hiscox Personal Accident Insurance