Aromatherapy Insurance
Instant protection from £3.13 a monthSpecialist Business Insurance for Aromatherapists
Every aromatherapist has unique needs when it comes to their insurance policy. As a trained practitioner you might be undertaking patient consultations, identifying and blending essential oils, planning and undertaking treatments.
To make sure your holistic treatments are protected against unsolicited lawsuits patients may file against you, you need comprehensive aromatherapy insurance. That’s why we have tailored a policy as an all-in-one package to cover professionals like yourself.
Our Public Liability cover comes as standard and protects you if you accidentally injure a member of the public or damage their property. As an aromatherapist, you’ll be working with variety of essential oils which sometimes produce adverse effects on people.
In the rare cases of body injury, illness or death of patients caused by your negligence, your Professional Indemnity and Professional Liability insurance policy will help you settle the legal costs.
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Why choose Protectivity?
Fast & Straightforward Process
It doesn’t have to be difficult obtaining your aromatherapy insurance. You can get a quote for your specific activities in just a few minutes, leaving you more time to focus on your treatments.
250+ Activities Covered
If you specialise in aromatherapy, but also provide other treatments, we can help. Whether it’s a massage, reflexology or something else, we can cover multiple therapies on one policy.
Leisure Industry Specialists
We provide comprehensive insurance cover to thousands of individuals and businesses in the leisure industry every year, so we’re experts in understanding exactly the risks you face and the cover you need.
Excellent Claims Handling
We’re all too aware that things can go wrong in the therapy industry. That’s why our specialist claims handlers aim to deal with any claim in the fastest and most efficient way possible.
What's included in your Aromatherapy Insurance policy?
Our Insurance policies include the following benefits as standard:
Public Liability
You can choose from different levels of Public Liability cover – £1 million, £2 million or £5 million to protect you against the cause of accidental injury to a client or a member of the public while performing your aromatherapy treatment. Damage to third-party property is also included in your policy. If a Public Liability case was brought against you, your insurance would handle the legal costs associated with defending your business, as well as any settlement.
Professional Indemnity
Some oils produce toxins which can cause damage to the liver, kidneys, and nervous system, especially if ingested. Swallowing essential oils can be hazardous, and fatal in some cases. Therefore, if you advise on a home treatment which causes a reaction, you could be liable for professional negligence claims, or allegations of malpractice. Our £500,000 cover as standard will help protect you against claims not only for what you do, but also for the advice you give.
Professional Liability
Also known as Medical Malpractice, this will help protect you against claims relating to physical injury or psychological damage deemed to have been caused by your aromatherapy activities. Since essential oils cause reactions in the body, some of which fatal, it’s crucial to protect yourself.
Optional Equipment Cover
There are a few essential oils that are very rare and expensive (did you know that 30ml of Champaka oil costs £1,775?!); however, you will be pleased to know that they can be covered by your policy. You can include up to £5,000 worth of equipment cover, protecting you against damage, loss and theft of the oils and tools that you rely on.
Personal Accident Cover
By adding Personal Accident cover to your policy, you will have up to £25,000 protection against serious injury whilst carrying out your day-to-day aromatherapy activities.
Monthly Payment Plans
You can choose to pay your policy upfront or split your payments into ten interest-free monthly instalments. We ask for a 20% deposit today, with the remainder spread out evenly with monthly payments from as little as £3.13.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
We are determined to make the process of making a claim as simple and stress-free as possible.
If you need to make a claim, just click the link below, choose the relevant form and fill in the details and you’re claim will be dealt with at the earliest opportunity.
Check out our tips to running the perfect aromatherapy business
Frequently Asked Questions
Q. What does the policy cover me for?
A. The policy offers the following cover:
Public Liability which will cover you for any injury or damage to a third party or their property caused by, or arising from, any tuition or instruction that you give during your business activities.
Professional Liability (also known as Medical Malpractice) which will cover is available to protect you against claims relating to physical injury or psychological damage deemed to have been caused by your business activities.
Professional Indemnity which will cover you for injury or damage caused by or arising from any tuition, verbal instruction or advice given by or on behalf of the Insured in respect of the activities contained within your business description.
The policy also offers Equipment and Personal Accident cover as optional extras.
Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. Should you wish to have your documents sent to you by post, we are happy to offer this service but at a charge. Please call a member of our team to discuss this further on 01494 887909.
Q. Who underwrites your insurance?
A. Our Therapist Insurance policy is underwritten by Beazley. They provide insurance to over thousands of businesses all over the world.
Q. Do you cover students?
A. No, our Therapist Insurance policy will only protect those who qualified in there chosen treatments. The qualification must be obtained by an accredited awarding body.
Q. Do you need to see my qualification certificates?
A. 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.
Further information on our policy
If you have any other questions regarding our Aromatherapy Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.
More information on what we can cover on this policy can be found on our FAQs page.