Complementary Therapist Insurance

Specialist professional liability insurance for complementary therapists.

  • Cover public liability, libel and slander, professional indemnity and product liability
  • Limit options up to £5m, and can be increased to £10m (contact us to discuss)
  • 24 hour legal advice helpline
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If you need additional assistance arranging your insurance, find out how our teams can support

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Why choose complementary therapist insurance with Towergate?


Affordable insurance

Specialist cover available online.


Worldwide complementary therapist cover

Cover to work anywhere in the world for up to 60 consecutive days (as long as you are UK based).


24-hour legal helpline

Offering specialist therapist advice whenever you may need it.


Complementary therapist liability cover

Includes professional indemnity, including libel and slander, public liability and products liability.

About complementary therapist insurance

Affordable cover with 24-hour legal advice and the flexibility to practice abroad.

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Bespoke cover to fit your needs as a complementary therapist

If you practice multiple forms of therapy, they can be incorporated into one policy, e.g. if you perform acupuncture and massage therapy you can have them both covered under one policy.

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24 hour legal advice helpline 

To complement the legal advice line you have access to the Markel Law Hub, an online resource of expert legal and business guides, templates and content, provided by Markel Law LLP. This covers everyday legal issues around employment, health and safety, trading and contracts, cyber and data, debt and insolvency and business law resources.

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Ability to practice complementary therapy abroad

As a complementary therapist, you may be able to work remotely and if you want to hop on a plane and work abroad, we can provide coverage in respect of civil liabilities in connection with your business for up to 60 consecutive days. This cover can extend to a property; a rented practice room; and even electronically, via the internet or the telephone. Cover is not provided for any action brought in any court of The United States or Canada.

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All your liability cover in one place

When you buy your insurance through us, cover will be provided up to your chosen limit of indemnity for Professional Indemnity, Public Liability, Libel & Slander and Product Liability Insurance. This covers the amount you may have to pay as compensation up to the limit chosen. Legal Defence for Criminal Proceedings is included up to £250,000.

Please refer to your summary cover and policy wording which is available through the on-line quotation process for full details of exclusions or limitations of cover.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 592 or email and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Complementary therapist insurance FAQs

We are able to cover therapists across a wide range of activities, including: Aromatherapy, Acupuncture, Homeopathy, Massage therapies and Reflexology.

 This policy does not cover:

Liability arising from any of the following;

  • Eczema sufferers’ electroencephalography, surgical or dental treatment
  • Any medical treatment
  • Any banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA), or banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA)
  • Cannabidiol (CBD) where not regulated as a novel food or a cosmetic within the United Kingdom
  • Any beauty therapies undertaken
  • Coronavirus including COVID-19 and SARS CoV-2 , cyber incidents, wear and tear or Communicable Disease

If you would like other types of work to be included in your policy, please specify these when you speak to an agent.

Yes, we can cover therapy businesses as well as sole practitioners.

No, our policy enables you to treat all ages, from babies to centenarians.

Which you need depends very much on the specificities of your business. Employers’ liability insurance is necessary if you employ other staff as part of your company – so if you’re a sole trader, you don’t need to worry about this one. Public liability insurance protects you against accidents that may happen, implicating a client or member of the public.

This includes accidents ranging from something as small as a spilt drink over a piece of equipment, to serious bodily injury. Professional liability insurance is broader coverage which usually includes: public liability, products liability, professional indemnity, and libel and slander.

Please note that full terms, conditions, and exclusions can be found in the policy wording, a copy of which is available through the on-line quotation process. Please contact us to discuss should you require further information on this matter. 

If you provide advice to your clients at a fee, you may need professional indemnity insurance. Cover is available from between £100,000 and £3,000,000 - but remember to ensure that all your staff are covered by your policy. If you work from home, you may need home business insurance.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.

We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

Get a Quote

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Read more FAQs

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