Business insurance for Therapists


As a holistic or complementary therapist, insurance can provide support for the important work you do. Helping clients to overcome illness, injury and trauma is a rewarding way to use your skills and knowledge, but things might not always run according to plan.

When you’re working closely with the public, out-of-the-blue occurrences and mishaps can pose a risk to your finances and professional reputation. For self-employed therapists and small clinic owners, the impact of personal injury, client accidents and court cases may be significant.

Therapist insurance can bring together covers such as public liability insurance, medical malpractice insurance and even cyber cover.

At Hiscox, we also provide insurance for other types of therapist, including those in the beauty therapy industry, massage therapy professionals, sports massage therapists and psychotherapists.

 

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Why choose Hiscox for therapist insurance?


1

Only pay for what you need

With Hiscox, insurance can be tailored to your specific business

2

Access to supporting services

Receive support with insurance queries, plus legal, funding and HR services with our Business Support Hub

3

Rewards when you refer a friend

With our refer-a-friend scheme, you can receive up to £100 as a cash reward

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Why do therapists need insurance?


Accidents and injuries

It doesn’t matter if you perform acupuncture from home, teach meditation from your village hall or administer essential oils in a dedicated treatment room – there’s always a risk of injury or property damage at an appointment. A client’s car might be damaged by a falling tile from the clinic roof, or a visitor may trip on the pedal attached to your adjustable treatment bed. Public liability cover can minimise the financial impact of compensation claims in such instances, so therapy business owners can remain focused.

When treatments don't work out

Perhaps your client had unattainable expectations about how meditation might help manage their condition, or maybe they suffered an allergic reaction to aromatherapy treatment. A customer may even claim you made their problems worse by applying too much pressure or injuring them with chiropodists’ clippers. Complementary therapy is close-contact work, and the parameters of success can be subjective, so medical malpractice claims might arise. Fortunately, complementary therapy insurance can be tailored to support you through claims of negligence.

Keeping data safe

Your clients trust you with their personal information – it goes with the job. Whether you store names and addresses or sensitive medical records, people expect their data to be kept safe. Leave your business laptop in a cafe and you could face disruption and even legal action – and the cost of cyber breaches can be significant. If data is lost or stolen, cyber insurance can support your therapy business with the financial impact of legal fees or lost revenue.

What cover is included in insurance for therapists?


Therapists may also benefit from products such as public liability cover, employers’ liability insurance or home-based business insurance, depending on the circumstances. Self-employed therapists may find personal accident insurance provides a welcome safety net.

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These are just some of the types of business insurance for therapists that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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Insurance for therapists: FAQs


Do therapists need employers’ liability insurance?

For therapists who employ staff, even on a contractual or temporary basis, employers’ liability insurance may be legally required. This type of cover insures businesses against risks to employees they may be held liable for – for instance, if a junior therapist is injured on the job.

Failure to take out the correct employers’ liability cover for your business could result in fines, but there are some exceptions. Learn the legal requirements and find out how they apply to your business with the government’s guide to employers’ liability insurance (external link).

What insurance do I need if I visit clients’ houses?

Many insurance needs are similar for mobile and clinic-based complementary therapists – for instance, public liability insurance and professional treatment liability insurance may be beneficial in both clinical and private settings.

Likewise, cyber insurance and personal accident insurance might prove beneficial. However, if you use a portable massage chair for Reiki sessions or a selection of waxes, plates and rollers for reflexology, then portable equipment insurance could offer additional security. This type of cover can also insure business-owned gadgets, such as mobile phones.

Does insurance for therapists cover different treatment types?

Hiscox therapists’ insurance covers a range of holistic and complementary therapies, including massage, reflexology, acupuncture, Reiki, meditation, aromatherapy and chiropody. We offer separate business insurance for numerous other types of health and wellbeing businesses, including dental, nutrition and psychotherapy businesses.

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