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

  • Interest free direct debit

  • No hidden fees or cancellation charges

Our specialist liability insurance for therapists offers expert cover against a wide range of risks facing those working as complementary, holistic or alternative therapists.

Regardless of how many years experience you may have, mistakes can happen. An allegation that a course of therapy has not produced the expected results, a client  injured as a result of your work or an accident that causes damage to expensive equipment could have a significant impact on your business.

From over 25 years experience, our therapist insurance has been specially designed to cover these risks and many more, giving you the peace of mind that if something were to go wrong, you would be covered.

Not sure what cover you need? Our easy form asks a few simple questions and offers covers for you to consider. You can choose to buy all the covers quoted or just some of them, meaning that you'll only ever pay for the insurance you want and not unnecessary extras.

If you choose to insure with us, you can spread the cost of your policy over 10 interest free monthly payments and you'll receive an instant proof of cover, meaning you can start work straight away. Get a quote now!

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Cover starting at just £5 a month

Tailor your therapist insurance in minutes with these covers

  • Public liability and professional indemnity (professional malpractice) insurance

    Public liability and professional indemnity insurance (also known as professional malpractice insurance) offers comprehensive protection against the cost of defending your business against allegations of professional negligence (such as providing poor treatment to a client) and if unsuccessful, the cost of damages awarded against you.

    In addition, it covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business. Examples of claims include:

    • A client alleges that a course of treatment has not had the desired results. They take legal action against you to recoup their loss.
    • A client alleges that their foot was damaged during a session and that they are unable to walk for several weeks as a result. They take legal action against you, seeking compensation for their injury.

    Public liability and professional indemnity insurance is vital for all reflexologists that come into physical contact with their clients. Limits are available from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance covers your therapy business against claims for injury or illness suffered by employees arising from their employment.

    An example of a claim would be:

    • An employee slips on a spillage in a treatment room and injures themselves. They are unable to work as a result and take legal action against you for the injury suffered.

    If you have any employees, even on a part time basis, you are required to have a minimum of £5m worth of employer's liability insurance cover by law. Our policy provides £10m as standard.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Limits range from £100,000 to £5m.

  • Portable equipment and office insurance

    Portable equipment insurance covers laptops, mobile phones and portable equipment you use for treatment against accidental damage (including theft) anywhere in the world. If you have your own premises, office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises.

  • Occupational personal accident

    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.

    If you work as a complementary therapist and would struggle to maintain an income if you were unable to work following an occupational accident, you should give consideration to this cover.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs, together with any award you are required to pay, following an employment dispute. It also pays costs and expenses for certain crisis management, identity fraud, official investigation, corporate manslaughter, pollution, HMRC tax investigation and data protection issues.

  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients on computers and other internet connected devices (including the therapies and treatments you provide to them), you should give consideration to this cover.

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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, so you're sure to find the right cover for your business.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing contractors, consultants, freelancers and self-employed professionals, and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.

    We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.

    Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

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).

  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.

  Employer helpline

When there's an issue with one of your employees, it can be difficult to know where to turn for advice. Our dedicated team of employment law specialists at LHS Solicitors are on hand to assist you with a range of employment law disputes including disciplinaries, dismissals, unlawful discrimination, redundancy and TUPE. Included as standard with legal representation and employment disputes.

  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.

Cover starting at just £5 a month