Holistic Therapy Insurance
Specialist cover for qualified holistic therapists from £3.14* per month.
- Liability cover up to £5 million
- Cover for salons
- 200 therapy activities covered
- Join over 180,000 customers**
From only £3.14* per month
Choose your Holistic Therapy policy
We offer two types of holistic therapy policy. Liability and equipment cover for freelancers and mobile beauticians, or salon cover for businesses with external premises.
Self-Employed Holistic Therapist
Salon Business
What does holistic therapist insurance cover?
Our holistic therapist insurance is designed to protect qualified professionals across the full spectrum of complementary and alternative therapies, including reiki, reflexology, aromatherapy, acupuncture, crystal healing, sound therapy, massage and more.
Policies can be tailored to suit self-employed holistic therapists, mobile practitioners, those renting a room within a wellness centre, and dedicated holistic studios or multi-therapy clinic owners.
Professional treatment liability cover is included, giving you reassurance that you’re protected if something unexpected happens following advice, consultation or treatment.
Additional options allow you to extend your protection further, with cover available for equipment, employers’ liability and personal accident protection. If you own or lease your own holistic therapy studio, you can also choose to insure your business premises, including liability cover as well as business premises and business interruption protection.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Treatment
Equipment
Personal Accident
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 beauty 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 beauty 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 beauty 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.
- Holistic therapy treatments you are not qualified to perform.
- Any beauty treatment not listed on your proposal form or insurance schedule.
- Holistic therapy 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 beauty 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 beauty treatments, such as burns, cuts, allergic reactions, skin irritation, or accidental spillage during treatments
- Covers liability for beauty 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 need holistic therapist liability insurance?
As a holistic therapist we understand the range of therapies you might be offering to your clients. These clients may come to you for a number of reasons seeking your holistic therapy expertise. However committed and qualified you are to offer the best service, situations can happen beyond your control and lead to costly claims.
Having specialist holistic therapists’ insurance helps to provide the protection you need in case any claims arise. Whilst holistic therapies are generally thought to be a low-risk occupation there are common occurrences that you should be prepared for. Here are some examples of why insurance is necessary:
When advice or treatment leads to a claim
A client may allege that guidance provided during a consultation worsened their condition, or that a therapy caused unexpected physical or emotional distress.
Professional Indemnity insurance protects you against claims of negligence and covers legal defence costs and compensation if required.
When a client is injured or property is damaged
A client could trip over equipment, react to oils used during treatment, or claim damage to personal belongings during a session.
Public Liability insurance protects you against the legal and financial consequences of accidental injury or property damage.
When holistic therapy equipment is stolen or damaged
Therapy tools, treatment couches, sound equipment or specialist materials are essential to your work and may be used across multiple locations.
Equipment cover helps you replace vital items quickly so you can continue trading without major disruption.
When a spa or salon requires proof of cover
If you rent space in a wellness centre, collaborate with yoga studios, attend retreats, or work within a shared clinic environment, you’ll usually be required to show evidence of Professional Indemnity and Public Liability insurance.
Having appropriate cover demonstrates professionalism and helps secure contracts and partnerships.
Our experts explain why...
“Our holistic therapist insurance is designed specifically for qualified holistic practitioners and complementary therapy businesses, protecting you financially if advice, consultation or treatment results in injury or damage to a client’s property. Holistic therapies often combine hands-on techniques, energy work and personalised wellbeing guidance, each carrying its own unique risks, so having cover tailored to your services is essential.
We support self-employed holistic therapists, studio owners, contractors and mobile practitioners, whether you operate from your own therapy space, rent a room within a wellness centre, or provide treatments in clients’ homes.
Our policies are built around the realities of running a holistic practice. In addition to covering liability claims arising from treatments or professional advice, they can also protect your essential equipment, helping you recover quickly if something goes wrong and ensuring your income, professional reputation and business continuity remain secure.”
Mandy Czyz – Underwriter, Protectivity
How much does holistic therapy insurance cost?
At Protectivity holistic therapy policies start from from £3.14 a month.*
The cost of your holistic therapy business policy will depend on a range of factors, including the size and type of your business. For instance, employing staff, operating from your own premises, or insuring high-value equipment and stock may increase your premium. The amount of public liability cover you select, along with any optional add-ons such as business interruption or personal accident cover, will also influence the overall price.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Holistic 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 holistic therapy 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