Why you need insurance in the health and wellbeing industry
Offering advice comes with the territory for a life coach, but you may make a mistake or be misinterpreted – insurance can cover resulting illness and complaints.
In the course of relieving soreness, a massage therapist might receive a claim their treatment caused ill effects, or they find themselves unable to work.
Attempting to heal injuries involves the possibility of a sports massage exacerbating the issue. Self-employed masseurs might also opt to safeguard against being out of action.
The work of a psychotherapist involves delicate processes. Insurance could help if treatment offered is brought into question, or even if the clinic is broken into.
A Pilates instructor could receive help from insurance for their exercises causing further stress on existing issues, cover for their teaching space or employees.
Dietitian and nutritionists
Whether it’s helping clients to overcome illness or boost their vitality, dietitians and nutritionists work closely with people and may be vulnerable to associated risks.
For a personal trainer, working with people is a passion – but physical work brings the possibility of accidents and injuries. Equipment could also become damaged.
Complementary and holistic therapists
When you perform therapies that range from chiropody to meditation, insurance could help to protect against risks to people and your tools.
Whether a patient claims there were errors in therapy, there’s a cyber breach or damage to someone’s property, insurance can come to a psychologist’s defence.
Business insurance tailored for an optician can help to cover several risks such as in-practice accidents, property damage, complaints by aggrieved employees and even data breaches.
Administering zone therapy to the feet and hands means you rely on your own hands, so reflexologists may wish to insure for personal accidents as well as treatment risks.
Healing treatments involve contact with people, so there’s always a chance someone could trip on a loose floorboard in your treatment room – insurance may help to offset this type of risk.
Key types of insurance for health and wellbeing businesses
We have a specialist combined product designed for health and wellbeing businesses – professional, treatment and public liability insurance. This brings together professional treatment liability insurance and public and products liability for protection from several angles. Tailor an online quote or speak to Hiscox’s experts to discover what insurance types are available for your profession.
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