Business insurance for therapists
Administering physical or psychological therapy is delicate practice, so insurance can help protect your business.
A dietitian’s client may say they fell ill because of nutritional advice, or an acupuncturist might face equipment damage.
With Hiscox, you can tailor your therapy insurance policy focused on the work you do. We’ve even designed a specialist combined professional, treatment and public liability insurance to safeguard against the risks of your industry, adding further protection.
Therapy professions that Hiscox covers
Nutritionists and dietitians
Dietitians and nutritionists help to boost the health of clients, so you understand the importance of personalised recommendations. Whether someone says your diet plan made them unwell or a staff member claims for a work-related injury, you can get the protection of tailored therapy insurance with Hiscox.
Sports massage therapists
When you’re working to heal or prevent complex sports injuries, you might risk exacerbating an issue, no matter how much experience and expertise you have. Sports massage therapy is hands-on business and involves working closely with people, so accidents can happen – to others and to yourself.
Massage therapists
Clients come to you for everything from relaxation to working out stubborn knots – so your insurance can be adapted accordingly. You might receive a claim for a treatment injury or need to replace a therapy bed. Your insurance can be adapted to meet the needs of your business.
Counsellors
Counselling work is varied, depending on the client you’re working with and whether the session is in person or virtual. Someone could say the advice you gave caused them harm, or if the session is at your office, they could slip and sustain an injury.
Psychologists
A patient you’re working with might say they’ve identified issues with your therapy technique, or you could spill hot coffee on someone’s smartphone. You might even discover sensitive data has been stolen. Being a psychologist involves working closely with people – insurance can assist with protecting against risks and help focus remain on your practice.
Psychotherapists
Psychotherapy is complex, so it helps if insurance is tailored to your practice. A patient might say your course of therapy caused them unnecessary anguish and resulted in mental injury. You might even become injured yourself and be unable to work for a while – business cover can help keep your business on track.
Acupuncturists
Mistakes and accidents are always a risk when you work with others, plus your equipment could need replacing – this can create challenging circumstances. Maintaining focus on rebalancing vital energy is essential in acupuncture. Business insurance can be reassuring so you can concentrate on providing healing therapy.
Holistic and complementary therapists
Holistic and complementary therapy can help with a variety of complaints – so your work can be diverse. Someone could say your therapy resulted in an injury, or that aromatherapy oil wasn’t mopped up, causing them to slip and hurt their hip. Tailored therapy insurance can step in to help with the cost of claims.
Reiki practitioners
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.
Reflexologists
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.
Key types of insurance for therapists
Your industry is diverse, which means not every insurance product may be available for your profession to purchase. Generate a quote with Hiscox online or get in touch with our experts to discuss what’s available for you.
Combined professional, treatment and public liability insurance
A specialist combined product – professional, treatment and public liability insurance – has been designed specifically for businesses in the health, beauty and wellbeing industry. It brings together treatments and professional liability with public and product liability insurance to help cover your therapy business for legal and compensation costs. These may relate to treatment and non-treatment claims.
Employers’ liability insurance
Any therapy business that employs staff – whether it’s another full-time therapist, or a part-time apprentice – could be legally required to have employers’ liability insurance. An employee may say you didn’t give them appropriate training and they suffered a long-term injury from administering therapy, for instance. Employers’ liability cover can step in to help with defence and settlement.
Equipment insurance
Talking therapy professionals will depend on their laptop and smartphone to respond to queries, accept appointments and lead sessions, if they’re online. Physical therapists rely on therapy beds and other specialist equipment, too – insurance for equipment can help to pay for repairs and replacements. This applies if an insured item is lost, damaged or stolen.
Personal accident insurance
Being able to fulfil appointments is crucial for your livelihood – an accidental injury could hamper that. It might be a broken ankle sustained during a netball match or an injured elbow from a fall on the school run. Personal accident cover can help with costs if you’re injured in an accident and unable to work.
Legal protection insurance
When you run a small therapy business, legal costs may be difficult to manage without insurance. You might face a compensation claim from a former employee in a tribunal or become involved in a contractual dispute with your aromatherapy oil supplier. Legal protection insurance can assist with costs to help you defend your business.
Cyber and data insurance
Your work is hands-on in many ways, but you also work digitally. Therapists of all disciplines will likely store client data – names, contact details and in some cases medical information, therapy notes and payment details. Cyber and data insurance can step in to support with claims and costs following security breaches, theft or loss of data.
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