Award winning cover against claims for malpractice and liability
If you’ve got an alternative therapies business, you’ve worked hard to get where you are now. But no matter how careful you are with your work, there’s always the potential for things to go wrong. Alternative therapy insurance can give you the protection you need, ensuring your hard work doesn’t go to waste if you experience legal challenges. We cover therapists across a range of activities, including:
- Massages, including sports massages
- Fitness Instructing & Personal Training
- Life Coaching
- Yoga Instructors
- Dieticians & Herbalists
- Speech Therapy
- Meditation Instructors
We offer insurance packages tailored to your activities, so you can have comprehensive cover against malpractice, liability and financial loss.
Complementary and Holistic therapy insurance: Professional Treatment Liability Insurance
Because you’re dealing with lots of clients, there’s always a risk that someone could accuse you of making a mistake in your work. And if they take you to court claiming that you caused them injury or illness, it could be a costly experience.
Our Professional Treatment Liability Insurance cover is ideal for these situations. It could pay for you to defend or settle a court case, saving you money and minimising disruption to your business.
For example, our therapist insurance could help if:
- A client is injured during a treatment session. For example, they claim they slipped a disc during a massage.
- A client suffers an allergic reaction to a product. For example, because they were allergic to a product that you use during treatment.
More about Professional Treatment Liabilty Insurance.
Complimentary and Holistic therapy insurance: Public liability cover
Even if your work is safe, there is still a risk that a member of the public could experience injury or damage to their property through your business. Should such an event occur, you will need complementary therapy public liability insurance. Public liability insurance could help with the costs of defending or settling a court case, which in a worst-case scenario could cost you a lot of money. This kind of public liability insurance for therapists could help if:
- A client is injured while on your premises. For example, because the floor is wet and they fall.
- A client’s property is damaged by your business. For example, because you knock over and break an expensive possession while visiting a client in their home.
- You or one of your employees has a car accident while working. If the accident causes personal injury or property damage, your business could be held legally responsible.
More about Hiscox Public Liability Insurance
Tailor your business insurance quote
- 0% interest on Direct Debits
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
Complimentary and Holistic therapy insurance: Employers’ liability cover
Do you employ other people in your therapy business? If so, there’s always a chance that they could become injured or ill because of something that happens at work. This could result in them taking legal action to seek compensation from you. And if you were exposed for breaking health and safety regulations, you could be prosecuted. Employers’ liability insurance can give you the protection you need in these situations, potentially covering the cost of defending or settling legal cases. However, it’s worth noting that this kind of alternative therapist insurance only covers your employees, and it doesn’t protect you personally.
More about Hiscox Employers’ Liability Insurance
Do I need both public liability + employers’ liability insurance?
If you employ one or more members of staff, your business is legally required to have employers’ liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public think that this kind of liability insurance for therapists is essential. It’s worth noting that your employees are not covered by public liability insurance.
Personal Accident insurance for therapists
Our personal accident insurance is designed to support you, as a business owner, if you or a key employee are unable to work due to an accidental bodily injury. The sudden loss of a member of staff could have a significant effect on your business. This alternative therapy insurance policy can help protect against the financial impact by providing your business with a lump sum or weekly amount up to the limit of your cover.
More about Hiscox Personal Accident Insurance
Cyber & Data insurance
As a therapist, computers might not be an integral part of your business, but you probably still use them for record-keeping or appointment-booking. If you do, there is always the risk of being attacked by a hacker or experiencing a data leak. In these situations, cyber and data insurance could be very helpful. This kind of therapist insurance protects you against potential legal and recovery costs in the event of an incident, while providing you with year-round peace of mind.
More about Hiscox Cyber and Data Risks Insurance
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What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: