Reiki Insurance
Business insurance for reiki therapists from only £3.14 per month.*
- Public liability for Reiki
- Cover for reiki spa or salon
- Add protection for over 200 therapies
- Join over 180,000 customers**
From only £3.14* per month
Choose your Reiki policy
Self-Employed Reiki Therapist
Reiki Studio Business
What does reiki insurance cover?
Our reiki insurance is designed to protect qualified reiki practitioners and reiki businesses offering energy-based therapies to support emotional and physical wellbeing.
Policies can be arranged for self-employed reiki therapists, mobile practitioners, those renting a room within a wellness centre, and dedicated reiki studios or holistic clinic owners and tailored to your requirements.
Public Liability with professional treatment cover are included as standard, giving you reassurance that you’re protected if a claim arises following a session.
You can enhance your protection with optional cover for equipment, employers’ liability and personal accident protection. If you own or lease your own reiki studio or holistic space, you can also choose to insure your business premises, including contents, liability and business interruption cover.
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 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.
- Reiki or other treatments you are not qualified to perform.
- Any treatment not listed on your proposal form or insurance schedule.
- Reiki 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 Reiki practitioners need insurance?
Clients may come to you for reiki therapy for all sorts of reasons, looking for your professional expertise. You always aim to provide the best care possible, drawing on your extensive experience. But sometimes, despite your best intentions, things can go wrong and are out of your control.
That’s where specialist reiki insurance comes in. It lets you offer your services confidently, knowing you’re covered if a claim is made against you. There are many situations where reiki insurance can protect you. Here are a few examples:
Protection against allegations of negligence.
A client may allege that a session caused emotional distress, worsened symptoms, or that advice given during a consultation was inappropriate.
Professional Indemnity insurance protects you against claims of negligence and helps cover legal defence costs and compensation if required. Please note, this is not included on a Reiki salon policy.
When an accident occurs during a treatment
A client could trip over equipment, slip within your treatment space, or claim damage to personal belongings during a visit.
Public Liability insurance protects you against the financial consequences of accidental injury or property damage.
When reiki business equipment is stolen or damaged
You may own specialist Reiki equipment, which is essential to the service you offer day-to-day. This equipment could become damaged or get stolen requiring expensive repair or replacement costs, as well as inconvenience, that could impact on your services.
Reiki equipment cover would enable you to replace these items quickly and efficiently without bearing the full cost.
Protection if a workplace accident prevents you earning.
You are also at risk from a workplace accident. Suppose you slip and fall during a therapy session, whether at a fixed base place of work of at a client’s home. The injury could mean you need to take some time off work, leading to loss of earnings.
You can avoid financial loss like this with personal accident cover, which can provide you with financial support until you can get back on your feet.
When salons or spas require proof of insurance
If you rent a room within a wellness centre, spa or salon, you will usually need to provide evidence of Professional Treatment and Public Liability cover.
Having appropriate insurance demonstrates professionalism and helps secure room rental agreements, partnerships and event opportunities.
Our experts explain why...
“Our reiki insurance is designed specifically for qualified reiki practitioners and reiki businesses, protecting you financially if a session results in a claim for injury or damage to a client’s property. Although reiki is a gentle, energy-based therapy, working in a professional setting carries its own responsibilities, making tailored cover essential.
We support self-employed reiki 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 reflect the realities of running a reiki practice. Alongside cover for liability claims arising from treatments or consultations, you can also protect your essential equipment and premises, helping you recover quickly from setbacks while safeguarding your income, reputation and business continuity.”
Mandy Czyz – Senior Underwriter, Protectivity
How much does Reiki insurance cost?
At Protectivity policies start at just £3.14 per month.*
Securing Reiki insurance is a safeguard 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 Reiki insurance. It could be you have high-value specialist equipment that you need to cover, which will influence your overall price.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Reiki 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 reiki 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