Complementary therapist insurance
Specialist cover for complementary, holistic and alternative therapy professionals from as little as £5 a month
Fast, easy online quote in 90 seconds
24hr legal advice helpline and legal hub
No hidden fees or cancellation charges
Some of the complementary therapy professions we cover
Cover starting at just £5 a month
Cover starting at just £5 a month
Frequently asked questions
I practise more than one type of therapy - is this covered?
Yes. If you practise more than one type of therapy - for example, you offer reflexology to some clients and physiotherapy to others - simply enter each therapy you offer under your business activities on the quote form. Please ensure you enter all the therapies you practise on the quote form - if you don't, it could result in a claim not being paid.
I treat clients at various locations, including in my home - is this covered?
Yes. If you treat clients at various different locations - for example, you treat some clients in their home, some in a rented practice room and others in your own home - you will be covered by our policy.
Am I covered for teaching others to become therapists?
We are able to cover this, but you must inform us you will be undertaking teaching or training activity. You can do this by adding ‘Teacher/Tutor’ as a secondary business activity on our quote form, or call us on 0800 640 6600. Please note that if you don’t inform us, it could result in a claim not being paid.
Am I covered to treat clients with terminal illnesses (such as cancer)?
Yes. Our policy provides cover for treating clients with terminal illnesses.
Am I covered to treat pregnant clients?
Yes. Our policy provides cover for treating pregnant clients.
What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance for photographers, so you're sure to find the right cover for your business.
Why should I choose Markel’s insurance?
Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
How are Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.
Access exclusive services for your complementary therapy business - included as standard
In addition to comprehensive cover, insuring with Markel means you enjoy access to unique services for your complementary therapy business at no additional cost (when the relevant section of cover is purchased).
24 hour legal advice helpline
When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.
Markel Law Hub access
In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.
Fee dispute service
As every self-employed therapist knows, customers don't always pay on time and chasing unpaid fees/invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.
Public relations crisis management service
In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.
Cyber response helpline
If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.