Complementary Therapists Insurance

Specialist liability cover for all types of professional practitioners to defend against claims made against you through your work.

Receive specialist service and expert advice from start to finish. Our advisors can provide the various liability policies you may need for your business into one manageable package bespoke to your needs and industry risks.  Discounts available for many professionals with membership to professional organisations.

0330 123 5810
0330 123 5810 Weekdays 8.30am - 5.30pm
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Complementary therapists insurance features

Covers you against civil liability claims for:

  • Professional Indemnity
  • Public Liability
  • Products Liability
  • Libel and Slander
  • Covers you to work anywhere in the world including from:
    • Client’s property
    • Rented practice room
    • From your own home*
    • Electronically via internet call or conference i.e. Skype
    • Via the telephone
  • Includes 24 hour legal helpline
  • Specialist legal defence where necessary to defend a claim
  • Legal expenses cover for costs such as:
    • tax investigations
    • statutory license protection
    • contract disputes
    • employment tribunals
  • There is no excess to pay in the event of a civil liability claim

Optional extras

*Home business insurance – Do you practice from home or have an office? You may be required to up-date your home insurance policy to account for any business activity. We can provide specialist home insurance for therapists or advise you of your options, in addition to your professional liability policy as required.

Employers’ liability cover – Do you have employees? Employer’s liability insurance is a legal requirement and is designed to protect your staff for injury or loss whilst performing their job. We can include this cover simply and easily.

Member of a professional body?

Many professionals can receive preferential rates as members of a professional body. Let your advisor know which organisations you are a member of and see what discounts you could receive.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Complementary therapists insurance exclusions

The policy is designed to cover any civil liability arising from your business activity - but there are a few specific exclusions:

  • Injuries to employees in the course of their employment with you. Employer’s liability can be provided as an optional cover.
  • Financial loss from business risks such as contracts with suppliers or trading losses.
  • Any intentional act, unless this is part of the services you provide.
  • Any claim arising out of work for a business in which you have a controlling interest or for which you can make a major policy decision.
  • Liabilities which should be insured under other types of policy for instance, home insurance.
  • Claims resulting from circumstances known to the Insured at the inception of this policy.
  • Loss or damage from war or terrorism.

Exclusions will change depending on your profession and your advisor will take you through these during the quotation process. This list of exclusions is a summary and is not a full list of all exclusions that may apply.


Complementary therapists insurance FAQs

Do I need loss of income insurance? Is this covered?

We do offer loss of income and business interruption insurance as well as various other business insurances but not as part of this package. If you require any of these covers we can provide them via our business insurance department, one of our advisors will be able to advise you further.

How do I know what level of liability cover I need?

As every profession is open to different risks and claims they are unforeseeable events and it’s not possible for us to safely recommend any level of cover. Our best advice therefore is to select the highest amount of cover you can reasonably afford. We can however offer full flexibility on your policy meaning that if you need to raise or lower the level of cover at any time we can accommodate this easily.

Do I still need insurance after I stop practising?

You may want to consider run-off cover to provisionally cover you against any claim made against you for work done while you were practising. Our advisors will be able to set this up for you at the end of your policy.

I’m training as a therapist, do I need insurance?

Depending on what you are studying and if you are practising you may want to protect yourself against claims. As everyone’s situation is different and claims are unforeseeable we can’t advise either way but would suggest that even though liability and indemnity insurances are not legal requirements you should not leave yourself vulnerable if you think you could be open to a civil liability claim against you. Some member organisations will recommend a specific level of cover, so you may wish to check this if you are a member of a professional body.

Is my stock and equipment covered?

This policy is designed to cover the practitioner not a business or property. If you require these extra covers we can simply provide them at the same time with a business or home insurance policy which will offer the relevant cover for your stock, cash and premises etc.


Complementary therapists insurance claims promise

Being self-employed or running a small business can be very tricky and the last thing you need to worry about is your insurance. At Towergate we’re here to advise through every stage from setting up a policy to making a claim.

Therefore, if you have any reason to suspect you might be entitled to a claim or someone has raised an allegation or claim against you, contact us through any convenient means and we can talk you through the best course of action. It’s important during this time to follow these simple rules:

  • Contact your insurer immediately.
  • Forward on any correspondence relating to the potential claim.
  • Avoid speaking to the claimant or their representatives without professional advice.

We’re here we to work with you. So in the event of any incident, even if you not sure it will result in a claim, contact us immediately. It won’t prejudice your policy to do so and letting us talk you through your options step by step will give you the peace of mind to focus on the important parts of running your business.

Customer Reviews (1708)

Customers rate our service at 92%

Based on 1708 independent customer reviews.

DateProductScoreCustomer Comment

Charity Insurance (Renewal)


They are always very helpful

Locum Insurance (Renewal)


I did not receive my renewal by email or in the post in time to consider other options, in fact I had to chase them
The premium had gone up again and every year there is an attempt to raise it by 10% which is ridiculous as nothing has changed
Next year I am hoping to find an alternative

Surgery Insurance (Renewal)


When I had to call, the service was exceptional

Surgery Insurance (Renewal)


Advise is promptly provided when needed.

Surgery Insurance (Renewal)


service was very good

Locum Insurance (Renewal)


nice smooth transaction

Surgery Insurance (Renewal)


The staff I have recently dealt with in relation to locum insurance cover and claims were excellent and very helpful. The staff I dealt with in regards to building and content insurance could have been more helpful.

Locum Insurance (Renewal)


Renewed without discussing

Surgery Insurance (Renewal)


No problems with service

Surgery Insurance (Renewal)


Were very helpful. But I did have to chase them with regards the work that needed to be done.

View all reviews >>

0330 123 5810
0330 123 5810 Weekdays 8.30am - 5.30pm
Get a quote Request a callback
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