Complementary Therapist Insurance
Specialist cover for qualified complemetary therapists 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 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 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 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
- From £750 worth of cover for temporary hired equipment.
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 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
Our UK sales team are here to help.
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