Aromatherapy Insurance
Specialist cover for aromatherapists from £3.14* per month.
- 200 therapy activities covered
- Liability cover up to £5 million
- Join over 180,000 customers**
From only £3.14* per month
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 Indemnity
Third Party Property Damage
Equipment
Personal Accident
Professional Indemnity and Professional Treatment
- From £1 million to £5 million of cover.
- Protection from claims by a third-party (client or member of the public) who sustains injuries or has their property damaged as a result of your actions or advice that you provide.
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Third Party Property Damage
- Cover for any non-negligent loss or damage to others’ property that you may cause while providing your therapies.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment
- From £500 worth of cover
- Add up to £3000 worth of cover
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Equipment Hire
- £750 worth of cover
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Treatments you are not qualified to do.
- Treatments that are not listed on your proposal form and subsequent schedule of insurance.
- Any services provided overseas.
- Prescription or supply of medicines and other pharmaceutical.
- The use of non-proprietary products to aid your therapy.
For further information on exclusions in your cover 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
Our UK sales team are here to help.
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