Homeopathy Insurance
Specialist cover for homeopath therapists from £3.14* per month.
- Public liability cover up to £5 million
- Homeopathy clinic cover available
- Get a quote in minutes
- Join over 180,000 customers**
From only £3.14* per month
Choose your Homeopathy policy
We offer two types of homeopathy policy. Liability and equipment cover for freelancers and mobile therapists, or clinic cover for businesses with external premises.
Self-Employed Homeopaths
Homeopathy Clinic
What does homeopathy insurance cover?
Our insurance for homeopathy therapists has been specially designed for qualified professionals operating individually or as a small business. Public Liability protects you if a client or member of the public is accidentally injured during treatment and makes a claim, while Professional Indemnity covers you if a client claims the treatment was ineffective or worsened their condition. You can add extra cover, such as employers’ liability and equipment depending on your requirements, so you only pay for what you need.
Whether you provide treatments in your home, in a fixed location or at alternative wellbeing centres our policy can provide the essential cover to offer the security you need to focus on treatments and outcomes for your clients.
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
Employers' Liability
Equipment
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 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 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 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.
- Homeopathy treatments you are not qualified to perform.
- Any beauty treatment not listed on your proposal form or insurance schedule.
- Homeopathy 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 studio or 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 treatments, such as burns, cuts, allergic reactions, skin irritation, or accidental spillage during treatments
- Covers liability for hypnotherapy products sold or supplied as part of your services
- 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.
- 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.
- Homeopathy treatments you are not qualified to perform.
- Any treatment not listed on your proposal form or insurance schedule.
- Homeopathy services provided outside the UK.
- Prescribing or supplying medication or pharmaceutical products.
- Use of non‑proprietary or unapproved products within your treatments.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need homeopathy insurance?
Your clients no doubt expect a high level of expertise and abilities to provide your homeopathy treatment. Having specialist homeopathy insurance can help to show your credibility. Regardless of your experience and qualifications, unexpected incidents can still happen, so it’s sensible to be prepared.
Our homeopathy insurance provides the necessary cover to protect your business should a claim be made against you, allowing you to offer your services with confidence, focusing on your clients.
These are some typical situations whereby claims could occur and why insurance is important:
Protection against claims if a member of the public gets injured.
During a homeopathy session if a client slips and falls and injures themselves, this could be deemed your responsibility and might result in a claim against you.
Having public liability cover can protect you against these incidents avoiding the expense of a claim yourself.
Protection against allegations of negligence.
As a homeopathy therapist you are likely giving direction to your clients in a session but if a client considers this to cause them harm, they might bring a claim against you.
You could be expected to pay damages to your client so having professional indemnity in your policy can ensure you are protected from these situations.
Avoid costly homeopathy equipment losses.
If you own specialist homeopathy equipment which is essential to the service you offer day-to-day, there is a risk these could be damaged and subsequently impact you financially.
With homeopathy equipment cover you can avoid costly repairs and replacements with the appropriate level of cover.
Protection if a workplace accident prevents you working.
If you suffer an accident during work and you need to take some time off. Avoid loss of earnings, personal accident cover can provide you with financial support if you suffer an injury or accident whilst working.
Our experts explain why...
“As a therapist, 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.”
Chris Trotman, Protectivity Underwriting Manager
How much does homeopathy insurance cost?
Securing homeopathy 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 homeopathy therapist insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.
At Protectivity policies start at just £3.14 per month.*
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Homeopathy 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.
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 homeopathy 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
On average we answer your phone calls in under 2 minutes
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