Mediumship Insurance
Specialist cover for Mediums and Spiritual therapists from £3.14 per month.*
- 200 therapy activities covered
- Liability cover up to £5 million
- Join over 150,000 customers**
From only £3.14* per month
What does mediumship insurance cover?
Our insurance for mediums is specially designed for qualified professionals, whether you’re working solo or running a small business. It includes essential liability cover, with the option to add extras like equipment and personal accident. You can customise the policy to fit your specific needs and the level of cover you require.
Whether you provide treatments at home, in a fixed location, or at an alternative venue, our policy offers the cover you need. This gives you the security to focus on your clients without worrying about expensive claims.
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 need mediumship insurance?
For whatever reason clients seek out your services, offering them a safe and secure experience is likely to a priority. However, with the best of intentions situations can arise that could impact other people such as injuries or damage.
Having specialist mediumship insurance can safeguard your service against these unforeseen circumstances. Our policy provides essential protection helping you to avoid costly claims. These are some examples of situations highlighting the importance of this insurance:
Protection against claims if a member of the public gets injured.
During a mediumship 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.
When offering your medium service, you should consider what happens if a client comes to harm following advice or instruction you provide them with. You could be expected to pay damages to your client if a claim is brought against you.
Having professional indemnity in your policy is the cover you need to ensure you are protected from these situations.
Avoid costly mediumship equipment losses.
If you own specialist medium 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 equipment cover you can avoid costly repairs and replacements with the appropriate level of cover.
Protect loss of earnings from a workplace accident.
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...
“In niche therapies such as mediumship, it’s imperative to recognise the unique risks faced by practitioners in this field. Mediums offer a deeply specialist service, guiding clients through spiritual journeys and providing comfort and insight during times of need. We understand the importance of providing tailored coverage that addresses the specific challenges you may encounter.
Our comprehensive policy not only offers liability protection against claims of injury but also covers negligent advice related to your service. We’ve designed our policies to ensure that you can focus on your practice with confidence, knowing you are financially protected in the event of unforeseen circumstances. With over 200 niche therapies covered under our products, we strive to meet the diverse needs of therapists, including those practicing spiritual therapies like mediumship.”
Mandy Czyz, Protectivity Underwriter
How much does mediumship insurance cost?
Securing mediumship insurance is a protective measure 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 mediumship 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
Mediumship 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 1/10/2024. 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 mediumship insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 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 01/10/2024. 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 Sep 2024
¹Based on live Feefo data