Complementary Therapist Insurance
Specialist cover for qualified complemetary therapists from £3.14* per month.
- Public liability cover up to £5 million
- Clinic cover available
- Get a quote in minutes
- Join over 180,000 customers**
From only £3.14* per month
Choose your Complimentary Therapy policy
We offer two types of therapy policy. Liability and equipment cover for freelancers and mobile therapists, or clinic cover for businesses with external premises.
Self-Employed ComplementaryTherapist
Complementary Therapy Clinic
What does complementary therapist insurance cover?
As a complementary therapist, your work helps others find balance, manage stress, and feel restored. But while you care for others’ wellbeing, it’s just as important to protect your own.
Insurance for complementary therapy provides specialist cover for the unique risks of your work, so, whether you work independently, in a clinic, or offer mobile treatments. With Protectivity your policy includes core liability cover for injury and negligence claims, plus optional extras like equipment and personal accident protection that can be tailored it to fit your needs. It’s there to protect you if the unexpected happens, so you can focus on what you do best: supporting your clients’ health and happiness.
Whether you’re starting out or expanding your practice, the right cover helps you stay protected, present, and focused on what truly matters: helping others feel their best.
Make sure you have the correct insurance for your therapy and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Treatment
Employers' Liability
Equipment
Professional Indemnity and Professional Treatment
- Cover available from £1 million to £5 million.
- Protects you if a client or member of the public claims to have suffered an injury or property damage as a result of a treatment you provided or professional advice you gave.
Public Liability and Products Liability
- Cover available from £1 million to £5 million.
- Protection against claims made by third parties for injury or property damage arising from your treatments, products used, or the general operation of your business.
Third Party Property Damage
- Covers accidental, non‑negligent damage to someone else’s property while you’re carrying out beauty therapies—ideal for mobile therapists or those working in shared salon spaces.
Employers’ Liability
- Up to £10 million of cover.
- Protects you if an employee experiences a work‑related injury or illness and makes a claim.
Equipment
- From £500 to £3000 worth of cover
- Select from £500 to £3,000.
- Includes new‑for‑old replacement for items under three years old.
Equipment Hire
- Up to £750 of cover.
- Helps you stay operational by covering the cost of hiring essential equipment if yours is damaged or unusable.
Personal Accident
- Provides financial support after workplace accidents.
- Covers a range of incidents including accidental death, permanent total disablement, and temporary total disablement.
Legal Expenses
- Access to a legal advice helpline, counselling support, and legal defence costs.
- Optional upgrades available for protection against employment, property, and health and safety disputes.
- Therapy treatments you are not qualified to perform.
- Any treatment not listed on your proposal form or insurance schedule.
- Therapy services provided outside the UK.
- Prescribing or supplying medication or pharmaceutical products.
- Use of non‑proprietary or unapproved products within your beauty treatments.
For further information on exclusions in your cover please refer to policy documentation.
Public & product liability
- Up to £5 million of cover
- Protects your clinic if a client or member of the public is injured or their property is damaged as a result of your business activities
- Includes incidents arising from treatments.
- Covers liability for products sold or supplied as part of your services
- Also includes Products Liability for products sold or supplied.
- Includes liability under the Defective Premises Act 1972 (up to £1 million).
Professional treatment
- Cover specifically for injuries or damage resulting from treatments carried out by the business.
- Examples include reactions to products or treatment mishaps.
Employers Liability
- Up to £10 million of cover.
- Covers claims from employees who suffer an injury or illness arising from employer negligence.
- Requires details of all staff, including roles such as qualified therapists, trainees, or administrative team members.
- Legally required for salons employing staff—whether full‑time, part‑time, or voluntary.
- Does not include professional instruction or teaching (Professional Indemnity is not included).
Property Damage
Cover for accidental loss or damage to your salon’s physical assets, with protection across several key areas:
Equipment away from premises
- Covers portable business equipment used off‑site, ideal if staff occasionally work at events or external locations, against damage or theft within territorial limits.
Glass
- Covers fixed salon glass, including decorative designs, signage, and protective fittings.
Stock in trade
- Protection for salon stock used or sold as part of your services, such as skincare, nail products, or retail lines.
Business Content
- Covers furniture, fixtures, tools, computer hardware, and employees’ personal effects (up to £500 per person).
- Excludes jewellery, furs, money, and motor vehicles.
Tenant improvements
- Covers improvements you’ve made to a rented or leased space that you are contractually responsible for—such as flooring, built‑in units, or fixed treatment stations.
Buildings
- Includes the buildings of the insured’s business premises where the insured is responsible, including shop fronts, landlord’s fixtures and fittings, fixed sanitary ware, and associated external features.
Money, Assault, Employee dishonesty
Money
- Protection for loss or theft of business money under defined limits (e.g., £2,500 for transit or safe storage).
- Cover applies at the premises, in transit, at employees’ homes, and in vending machines.
Assault
- Provides financial support if you or a team member is injured due to a robbery or attempted robbery.
- Includes a £10,000 capital benefit and £100 weekly benefit for temporary total disablement.
Employee Dishonesty
- Covers up to £5,000 for losses caused by dishonest acts of employees involving money or property.
Business interruption
- Protects your salon’s income following disruption caused by an insured Property Damage claim.
- Up to £500,000 loss of income (up to 24 months)
- £10,000 Increased Cost of Working to help keep operations running.
- £2,000 Book Debts if outstanding client or supplier payments cannot be recovered.
Cover may be triggered by:
• property damage
• utility or internet failure
• denial of access
• public authority restrictions
• supplier failure
• loss of attraction
Not available online for salons with an annual turnover above £250,000 (requires underwriter review).
- Teaching, training, or professional instruction (Professional Indemnity is not included).
- Damage to third‑party property that is not connected to the salon’s business activities.
- Any property damage where required building or safety conditions (e.g., security, fire protection) are not met.
- Premises left unoccupied for more than 7 consecutive days.
- Storage of highly flammable or hazardous substances.
Certain exclusions may apply under each cover section as defined in the policy wording, please refer to policy documentation.
Why do you need complementary therapist cover?
Even the most experienced practitioners can face situations beyond their control. A client might react unexpectedly to a treatment, trip over equipment, or claim your advice caused discomfort or loss.
Complementary Therapy Insurance gives you financial protection and professional reassurance, so one incident doesn’t undo years of trust and hard work. It’s also often required by professional associations, clinics, or clients before you can practise. Having cover in place shows you take your responsibilities seriously and uphold the standards your clients expect.
A good policy is designed around the realities of day-to-day practice, keeping both you and your clients protected.
Here’s some examples whereby complementary therapy insurance is so important.
Public Liability for complementary therapists.
This covers you if a client or member of the public is injured or their property is damaged as a result of your work.
For example, if a client slips on a liquid spill in your treatment space or reacts to a product used during a session, this cover helps with legal and compensation costs.
Professional Indemnity cover.
Protects you against claims of professional negligence, mistakes, or advice that causes harm or financial loss.
For example, a client claims your aromatherapy treatment caused an allergic reaction, or that your advice during a wellness session made their condition worse. Professional indemnity cover supports you if a claim is made, covering legal defence and potential settlements.
Equipment Cover.
Your tools, from massage tables to essential oils, crystals, or acupuncture needles, are central to your work. Equipment cover protects against loss, theft, or accidental damage, whether in your clinic, your car, or on the move.
Personal Accident Cover.
If you’re injured and unable to work, personal accident cover provides financial support while you recover. It can help with lost income or rehabilitation costs, keeping your livelihood steady when you need time to heal.
Our experts explain why...
“We know that as a complementary therapist, your work is built on trust and care and your insurance should reflect that. This policy gives you the essential protection every practice needs, with the freedom to add cover that fits the way you work. It’s designed to give security and confidence, without unnecessary cost or complexity.”
Chris Trotman, Protectivity Underwriting Manager
How much does complementary therapy insurance cost?
At Protectivity policies start at just £3.14 per month or £49.31 per year.*
The cost of Complementary Therapy Insurance varies depending on your practice. It’s influenced by the types and number of therapies you offer, where you work — whether that’s from home, a clinic, or on a mobile basis along with your experience, professional memberships, and the level of cover you choose.
Specialist protection is often more affordable than many expect, with policies starting from just a few pounds a month. Because you can shape your cover around your practice, clients, and budget, it’s a simple, flexible way to keep your work protected and running smoothly.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Therapist
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Third Party Property Damage
£750
This example is based on a real quote from our website on 05/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your complementary therapist insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
What types of complementary therapy are covered under this insurance policy?
The policy covers a wide range of complementary and holistic therapies, provided you are fully qualified and the treatments are listed on your proposal form and insurance schedule. Examples include massage therapy, reflexology, aromatherapy, reiki, and similar professional treatments. Treatments you are not qualified to provide or that are not listed on your policy schedule will not be covered.
Does my policy include professional indemnity if a client claims treatment caused harm?
Yes. Your Professional Indemnity and Professional Treatment cover protects you against claims made by a client who alleges that your advice, service, or treatment caused them injury or loss. This protection ranges from £1 million to £5 million of cover.
Am I covered for public liability if a client is injured during a therapy session?
Yes. The Public Liability and Products Liability cover provides protection if a third party, such as a client or a member of the public, sustains an injury or their property is damaged during your therapy session and your business is held responsible. Cover ranges from £1 million to £5 million.
Am I insured for treating clients in their homes or at events?
Yes. Your policy extends to treatments provided at clients’ homes, rented therapy rooms, events, and fairs, as long as the treatments you offer are covered on your policy and you are appropriately qualified for them.
Are my therapy equipment and treatment supplies covered against damage or theft?
Yes, if you choose to include the Equipment optional cover. This protects your therapy equipment and treatment tools against accidental damage, loss, or theft. Cover ranges from £500 to £3,000, on a new-for-old basis for items under three years old. You can also add Equipment Hire cover (up to £750) to help you continue working while waiting for replacements.
Am I protected if I provide treatments at multiple locations or rent therapy rooms?
Yes. You are covered for providing insured treatments at different locations including your home, clients’ homes, rented therapy spaces, and public events, as long as the treatments are declared on your insurance schedule and you are qualified for them.
What qualifications do I need to hold for my treatments to be insured?
You must hold a recognised qualification or certification for each treatment you offer. Only treatments for which you are formally trained, competent, and listed on your proposal form and insurance schedule will be covered. Any treatments performed without proper qualifications are excluded.
Are online consultations and virtual therapy sessions covered under my policy?
Yes, online or virtual consultations are typically covered under your Professional Indemnity insurance, provided the advice or guidance you give is within your professional qualifications and scope of practice. However, hands-on or physical treatments delivered remotely are not covered.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data