Here are some of the services we offer as part of our cover
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.
A dedicated legal helpline available 24 hours a day for individual policy holders. For non-legal matters, there is also a health and wellbeing helpline - just check your policy documents for the contact number.
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. This coverage can extend to: a client’s property; a rented practice room; and even electronically, via the internet or the telephone.
When you buy your insurance through us, you'll be covered if one of your clients makes a legal claim against you accusing you of injuring them or that your products or products you sell have caused them harm. You'll also be covered if a client feels that the advice you've provided leads them to loss or injury.
Our in house care insurance claims team are on hand Monday to Friday between 9am and 5pm to support you. If you have a more urgent concern, we offer a 24 hour helpline.
For material damage and business interruption claims of over £5,000 you can count on our claims assist team. We will appoint a chartered loss adjuster specialising in the type of loss you have experienced to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.
Call us or email us with: your policy number; a phone number to reach you on; details of your claim; and photos where possible and relevant.
Get tips and advice from our industry experts about your complementary therapy business.
If you're a business owner, the likelihood is you'll need some liability insurance. Our infographic explains why it's so important to get covered and the circumstances in which you'll need public, professional, employers, product and director's and officer's liability insurance.
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We are able to cover therapists across a wide range of activities, including:
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.
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.
Please see our page on direct debit payments if you’re interested in paying by instalments.