Business insurance for Complementary and holistic therapists

When you work in complementary and holistic therapy, insurance can help financially if there is a claim against you.

Whether you perform acupressure, lead energy healing sessions or administer Bach flower remedies, risks can block smooth operations as well as chakras.

Alternative therapy insurance can be tailored with our specialist professional, treatment and public liability insurance. If someone complains, this can help with court costs, legal fees and compensation pay-outs.


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Why choose Hiscox for your complementary and holistic therapy insurance?


Save time and money

Our new professional, treatment and public liability policy combines cover types, so could save complementary therapists time and money


Specialists that understand you

Access a dedicated claims team who understand key risks for holistic and alternative therapists


Get more than just insurance

Benefits such as media and PR support help you assess risks before making a claim, plus you'll gain access to the Business Support Hub

Get your business covered

Get a quote for business insurance and any covers you might need.

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Always enjoy dealing with Hiscox. It’s quick and easy to get cover and very reasonably priced to boot!
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Why complementary and holistic therapists need insurance

Treatment mistakes

You have faith in alternative therapy and work to share the benefits with your clients, but there may be the rare chance a treatment could do harm. Pushing a little too hard during massage might injure someone, or you could give the wrong healthy eating advice alongside hypnotherapy. When clients sue, professional, treatment and public liability insurance can help holistic therapy professionals with court fees and compensation.

Stolen equipment

Complementary therapy spans several specialisms, but it always requires your utmost concentration. While you focus your energy on acupressure or creating the right atmosphere for a treatment, your laptop or chiropody tools could be stolen, harming your ability to book sessions. Insurance for complementary and holistic therapy equipment, including your portable computer kit, can help to cover the cost of replacements.

Home visit accidents

Chakra balancing can happen almost anywhere, so you may often find yourself travelling to clients’ homes as part of your holistic therapy offering. While you’re out and about, someone might trip on a crystal or colour therapy mask, or you might spill essential oils on a designer rug. Insurance for complementary therapy public liability risks is included as part of combined professional, treatment and public liability cover.

What’s included in insurance for complementary and holistic therapists?

Professional treatment liability insurance and public liability insurance can be helpful for complementary therapists. So, we have combined them into one product – professional, treatment and public liability insurance. Though we talk about them separately below, professional, treatment and public liability insurance is a combined cover with one combined limit. You can get public liability cover as a complementary therapist by purchasing this combined cover. For more information about our business insurance policies, contact us.

Some complementary therapists might choose to add personal accident cover, cyber and data insurance and legal protection cover.

Do complementary therapists need business insurance?

Many complementary, holistic and alternative therapists feel they need insurance to counter the risks that come from giving treatments and doing business. This applies even if you work freelance or run a home-based business.

This is partly because business owners and sole traders can be held liable for problems. Whether it’s an error in your alternative therapy treatment technique or a health centre accident, clients and visitors could sue for damages.

If you employ staff, employers’ liability insurance is often essential in the UK. Mitigating the cost of fines and compensation pay-outs isn’t the only reason to buy complementary therapy insurance, however. Some alternative therapists like the financial support insurance can offer when equipment problems or accidental injuries get in the way.

Does holistic therapy insurance cover me for selling products?

Yes, when you include combined professional, treatment and public liability insurance in your complementary and holistic therapy policy, product liability insurance comes as standard.

If you boost your income by selling essential oils, diffusers, crystals and other alternative therapy products and devices, this insurance can help support with court costs, legal fees and compensation payments if someone is harmed by the item you supply.

Learn more about the types of business insurance.

Are there rules about the alternative therapy treatments this insurance covers?

Hiscox covers alternative and complementary therapy treatments of several kinds, including:

  • Massage
  • Meditation
  • Aromatherapy
  • Chiropody
  • Acupoint therapy and acupressure
  • Chakra balancing
  • Crystal therapy
  • Healthy eating advice
  • Hypnotherapy
  • LaStone therapy
  • Qi gong
  • Vibrational healing, including colour, light and sound therapy

If your therapeutic niche isn’t listed above, we may still be able to help. Get a quote or contact our team to find out.

Across all alternative therapy treatments, there are certain rules and exclusions. For instance, your insurance could be invalid if you fail to use close-contact tools in line with manufacturers’ instructions or sterilise these properly. 

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How to build your base as a complementary therapist

When you start building a client base in complementary therapy, it helps to have some techniques under your belt. From social media to reviews, here are some smart ideas.

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Six ways to protect your business from difficult clients

Protecting your business from difficult clients means standing firm in tricky situations. Read this guide to learn six ways to protect your interests.

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How much does business insurance cost?

The cost of complementary and holistic therapy insurance can vary. Learn how to estimate business insurance costs with our guide.