Aromatherapy Insurance
Specialist cover for aromatherapists from £3.14* per month.
- Public Liability up to £5 million
- Aromatherapy studio cover available
- Get a quote in minutes
- Join over 180,000 customers**
From only £3.14* per month
Choose your Aromatherapy policy
We offer two types of aromatherapy policy. Liability and equipment cover for freelancers and mobile therapists, or studio cover for businesses with external premises.
Self-Employed Aromatherapist
Aromatherapy Studio
What does aromatherapy insurance cover?
Our specialist insurance for aromatherapists is designed for qualified aromatherapists like you, offering essential cover with flexible options to match your services and setup. Whether you’re working independently, seeing clients part-time, or running your own practice, you need protection that reflects the unique nature of your work.
If you provide treatments from your home, operate from a therapy clinic, or travel to clients or wellness events, having the right insurance in place offers confidence that your practice is protected. It allows you to focus on delivering calming, therapeutic experiences—without the added stress of what might go wrong.
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 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.
- Aromatherapy treatments you are not qualified to perform.
- Any beauty treatment not listed on your proposal form or insurance schedule.
- Aromatherapy 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 studio or salon 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, such as burns, cuts, allergic reactions, skin irritation, or accidental spillage during treatments
- Covers liability for aromatherapy products sold or supplied as part of your services, including skincare, waxing products, lash and brow treatments, tanning solutions, and aftercare products
- 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 aromatherapists need insurance?
As an aromatherapist, you support clients looking for relief from stress, anxiety, pain, skin concerns, and a wide range of wellbeing needs. Whether you’re blending essential oils for massage, using diffusers during treatments, or offering personalised advice, your work plays an important role in helping others feel better—physically and emotionally.
But even with care, experience, and professionalism, things don’t always go to plan. A client may have an unexpected reaction to a product, or an accident could happen during a session. That’s why having specialist aromatherapy insurance is so important. It protects you and your practice if something goes wrong, so you can continue your work with confidence and peace of mind.
Aromatherapy insurance allows you to focus on your clients and treatments, knowing you’re covered if the unexpected occurs. Here are some common scenarios where this cover can help:
Protection against claims if a member of the public gets injured.
Even in a calm and welcoming treatment environment, accidents can still happen. A client might slip on a floor after an oil treatment, trip over furniture, or injure themselves while moving around your space—leaving you potentially liable.
Public liability insurance covers legal costs and any compensation if a client or visitor is accidentally injured during a session or while attending your premises.
Protection against allegations of negligence.
As an aromatherapist, you may recommend essential oil blends or provide hands-on treatments. If a client believes a product caused a skin reaction, worsened a condition, or didn’t deliver expected results, they may raise a complaint or legal claim.
Professional indemnity insurance protects you in these situations, covering legal expenses and any potential damages—allowing you to continue working confidently and professionally.
Avoid costly aromatherapy equipment losses.
Whether you use massage tables, diffusers, blending tools, or a full range of essential oils, your equipment is key to running your practice. If any of it is damaged or stolen, it could affect your ability to offer treatments.
Equipment cover helps you quickly repair or replace vital items, so you can keep your business running smoothly without major disruption or personal expense.
Protection if a workplace accident prevents you working.
If you’re injured while preparing for a session, carrying equipment, or travelling to see clients, you may be unable to work for a period of time. For self-employed aromatherapists, that can mean a sudden and serious loss of income.
Personal accident cover provides financial support while you recover, helping you manage day-to-day expenses until you’re ready to return to work.
Our experts explain why...
“As an aromatherapist, you have a passion to provide a very specialist service to customers who lean on your expertise to aid them with whatever reason they have contacted you. Equally, as insurers of this industry we pride ourselves on providing specialist cover to meet your requirements and we have spent the time to ensure our breadth of cover, meets the situations you may face as a result of experiencing financial losses. We recognise over 200 niche therapies ranging from talking therapies to spiritual therapies. Our products primary coverage is for liability cover, not just for allegations from other people who suggest your actions have given rise to them becoming injured but our cover also covers negligent advice around treatment you give, so you can feel confident when providing your therapy.”
Mandy Czyz, Protectivity Underwriter
How much does aromatherapy insurance cost?
At Protectivity policies start at just £3.14 per month.*
Securing aromatherapy insurance is a safety net to maintain your own healthy state of mind and uphold professional standards.
There are varying factors that will influence the exact amount you pay for aromatherapist insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Aromatherapy Insurance
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.
What other therapies are covered by therapy insurance?
You must be qualified to practice your specialised therapy to ensure your insurance is valid. Here are some popular therapy professionals we also cover, you can select your specialism when you get a quote.
Other therapists we cover
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 aromatherapy 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 qualifications do I need to be eligible for therapist insurance?
In order for us to provide cover for your chosen activity, you must have the relevant certificates or qualifications from a recognised and accredited UK training college or company covering the treatments, services or duties being carried out.
Is there a cooling-off period?
Yes, should you change your mind or wish to cancel your policy for whatever reason, we offer a full refund within 14 days of purchase provided the policy has not been relied upon, and no incidents have occurred which could result in a claim. Where cancellations are made after 14 days of the start date of the policy, as long as no claims have been submitted, for most policy types we will refund the proportion of the premium paid at the point of cancellation equivalent to the unused portion of the policy, less a Cancellation Fee.
How long will your therapy insurance cover me for?
All of our public liability insurance policies are annual.
Will you cover me if I operate abroad?
No, our cover will only protect you during your business activities carried out in the United Kingdom.
Can I amend my policy at any time?
Yes, we appreciate that circumstances can change. It’s important that you notify us of any changes that may affect your insurance, please call us on us on 01494 887 909 to discuss your requirements.
What if I train in new treatments or therapies whilst I am insured with you?
Providing the activity is one of the 250+ that we cover under this insurance, and you have qualified via an accredited awards body, then we can add it to your policy, and you will be covered. We ask that you call one of our team members on 01494 887909 (Mon-Fri, 9am-5:30pm).
Is Reflexology covered by insurance?
Yes, reflexology together with other 250 holistic related activities such as Craniosacral therapy, Reiki, and Hypnotherapy are covered under our policy.
How quickly will my documents come?
We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. We do not automatically send documents by post because we are conscious of our environmental footprint, but if you do require a paper copy, please email us at sales@protectivity.com or call us on 01494 887909 to arrange this.
Who underwrites your therapy insurance?
Our Therapist Insurance policy is underwritten by Peach.
Do you need to see my qualification certificates?
No. You will only need to produce your qualification certificate(s) in the event of a claim. When you purchase your insurance we will ask you to declare that you have a suitable qualification for the activity that you require cover for.
Do you cover students?
No, our therapy insurance policies will only protect those who qualified in their chosen treatments. The qualification must be obtained by an accredited awarding body.
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