Compliments from your clients are one thing. Complaints are another. Protect your business against claims of professional negligence or bodily injury with complementary therapy insurance.
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This all-in-one cover for complementary therapists includes:
Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or privacy
Liability - for physical damage and injuries caused by your business and the products you supply
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The health and wellbeing of your clients is, of course, your number one priority.
But while you’re busy looking after others, who’s looking after you?
Despite your best therapeutic intentions, treatments can occasionally cause problems. And if a client says it’s your fault they were injured or made ill, a compensation claim may follow.
Insurance for complementary therapists provides the legal expertise and financial muscle you need to deal with claims. It can also cover your kit and your clients’ clumsiness.
That way, your complementary therapy insurance takes care of your business, while you take care of your clients.
If you’re a complementary therapist of any sort, you should feel a big virtual finger pointing in your direction at this minute.
Because it doesn’t matter what kind of treatments you offer, there’s always the risk of a less than healing outcome. Your client may react badly either to a technique or a product you use. That’s when words like ‘compensation’ start getting bandied about.
Neither does it matter if you rent a room somewhere, own your own business premises, visit people at home, or have them visit you. The risks of a claim against you are the same wherever you work. And the costs can run to many £thousands.
That’s why you need complementary therapist insurance. It offers holistic protection for your business wherever and however you work.
Because you treat mind, body, and spirit, you need cover should a client allege a therapy caused them physical or mental injury. Treatment and professional liability insurance (also called malpractice insurance) protects you from claims of professional negligence. It pays for a legal expert to defend you and covers any compensation due.
Healing hands aren’t always enough on their own, so you may also use specialist equipment, lotions, oils and other kit. If they’re damaged, stolen, or lost, your good work stops. Studio insurance and portable equipment insurance pay to repair or replace the things you rely on, whether you’re working in one place or on the go.
Clients can be accident-prone and, potentially, so can you. If a client trips over a loose floorboard on your premises and is injured, they’ll want compensating. Likewise, if you visit someone at home and spill essential oils over their antique rug. Public liability insurance covers legal costs and pays compensation.
If you employ others, even only part-time, then you need employers’ liability in your insurance mix. It covers you if an employee claims they were injured or made ill by working for you. Oh, and it’s a legal necessity, so don’t be tempted to skip it or you could face a government fine.
Maybe you specialise in one particular kind of therapy or maybe you offer a full range of treatments. Whatever your approach, complementary therapist insurance covers a long list, including:
... and many more.
Some of the more direct hands-on treatments like chiropractic manipulation and osteopathy can’t be covered by this insurance. The same goes for Functional, Ayurvedic or Chinese medicine, which are outside the bounds of this type of cover.
In short because we know what we’re doing, we know what you need, and we’ve got the right policies to protect your business.
We also make getting your insurance as quick, painless and straightforward as possible. Because no one wants to waste time grappling with gobbledygook.
Our simple online journey lets you buy a policy in a few clicks with documents delivered straight to your inbox.
Or you can call us and speak to a friendly advisor. There’s no phone menu to negotiate so you’ll get straight through.
But if it’s someone else’s word you’re after, take a look at our platinum-rated customer feedback. It says more about us than we ever could.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.