FAQ Category: Complementary Therapy

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.

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.

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.

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.

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.

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.

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.

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.