Holistic insurance

Q: Will changing from sole trader to limited company affect my insurance policy?

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

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10% of customers pay the equivalent of £4.95 a month*

Why is holistic therapy insurance important?

From allergies to acid reflux, holistic therapists treat all sorts of problems. You’re providing expert care, but running a business too, so balancing everything can be a juggle. For complementary medicine businesses, we usually build a holistic therapy insurance policy around public and product liability cover, adding protection for equipment, stock, legal costs, and employees, if needed.

professional holistic insurance, UK customer service and claims team
pay monthly or annually, whatever works for your company
trusted by over nearly a million customers small UK businesses for flexible, tailored cover

What does therapist insurance cover?

We’ll start with public and product liability insurance for holistic practitioners, covering you against accidents caused by your business or claims against your products – for example, if someone slips on your clinic floor and suffers an injury. You can also include insurance for stock, operational equipment, and your employees, plus personal accident cover for an injury which could stop you working.

Public liability for holistic therapists insurance

In case your therapy business causes an injury, illness, or property damage.
Employers’ liability insurance

In case anyone gets ill or injured while working for your therapy business.
Business and office equipment insurance

In case something happens to your essential kit.
Stock insurance

In case something happens to the materials and products you keep in supply.
Legal expenses insurance

In case you have to pay legal costs connected with your therapy business.
Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

Public liability for holistic therapists insurance

In case your therapy business causes an injury, illness, or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:
- damage to someone’s property, caused by your therapy business
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- a patient trips over your bag while walking into the therapy room, falling and breaking her knee
- you use a new product with a client, which causes an allergic reaction
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance
Employers’ liability insurance

In case anyone gets ill or injured while working for your therapy business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:
- one of the therapists you’ve hired suffers a head injury, while reaching for a product on a loosely-fitted shelf
- your receptionist slips on the wet reception floor, falling and spraining her wrist
Business and office equipment insurance

In case something happens to your essential kit.

What’s typically covered by business and office equipment insurance?
- theft of the equipment you use to operate, from your laptop to your therapy couch
- loss of your equipment
- flood, fire, or accidental damage
For example:
- you’ve ordered a set of new examination lamps for the clinic, which get while being moved for cleaning
- you drop your work laptop on the reception floor, damaging the screen
Read more about business and office equipment insurance
Stock insurance

In case something happens to the materials and products you keep in supply.

What’s typically covered by stock insurance?
- loss, damage, or theft of your consumable stock and other materials
For example:
- a flood in your clinic damages your stock of homoeopathic products
- your employee collects a large order of stock from a wholesaler, which is stolen from her car at a petrol station
Read more about stock insurance
Legal expenses insurance

In case you have to pay legal costs connected with your therapy business.

What’s typically covered by legal expenses insurance?
- legal costs attributed to your therapy business
- property damage, nuisance, or trespass and associated legal costs
- HMRC, tax, and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation
For example:
- you become involved in a shareholder disagreement, and need to pay for legal representation
- the business incurs legal expenses when a competitor practice raises a defamation claim against you
Read more about legal expenses insurance
Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?
- accidental injury or death at work or elsewhere, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you suffer a head injury while on holiday, and need ongoing treatment
- a therapist you’ve hired slips on some spilled oil on your treatment room floor, falling and fracturing her knee
Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does complementary therapy insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

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The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example holistic insurance quotes, real prices

£8.34 /month

£63.39 /year

A self-employed complementary therapist that visits clients homes

1-2 years’ experience
Sole trader
No employees
Based in Oxford

Public liability

£1,000,000

Employers’ liability

Not included

Stock

Not included

£33.72 /month

£299.72 /year

A small complentary therapy company run from a rented business premises

5+ years’ experience
Limited company
2 employees
Based in Edinburgh

Public liability

£2,000,000

Employers’ liability

£10,000,000

Stock

£2,500

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover	Lowest excess	Highest excess
Public liability	£100	£2500
Employers’ liability	No excess	No excess
Tools	£60	£500
Stock	£100	£500
Business and office equipment	£50	£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?
Does holistic insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does holistic insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider acupuncture insurance or massage insurance?
Do I need cover for other types of work?

If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.

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We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.

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Insurance for holistic practitioners FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for therapists. You can also check out our business insurance FAQs.

Can I add cover for a different trade or profession to my business insurance policy?

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you work with photo booths, you may also do the odd photography job for clients – you’ll need additional cover for this, but you can have it all on the one policy.

When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

Do complementary therapists need insurance?

Whether you run a clinic or have a mobile business, or both, your practice faces specific risks. Insurance for complementary therapists usually features a couple of key covers, with options to add in other helpful protection for your equipment, stock, and personal accidents.

Public liability insurance is a popular cover for holistic practitioners, as it can protect you from a claim if someone is injured or their property gets damaged because of your set-up or work. Lots of clinics also choose business equipment and stock cover for the essential items they rely on.

And you’ll usually need employers’ liability insurance if you employ anyone – for example a therapist you hire or a receptionist to run your practice and front of house. It’s almost always a legal requirement, so don’t leave it out, even if you only employ temporary or casual workers.

What’s the difference between paying by Direct Debit and paying in one lump sum?

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

one-off credit or debit card payment
BACS payment
Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

Will changing from sole trader to limited company affect my insurance policy?

Does public liability insurance cover my business for the actions of my employees?

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Holistic insurance

Why is holistic therapy insurance important?

What does therapist insurance cover?

Public liability for holistic therapists insurance

What’s typically covered by public liability insurance?

Employers’ liability insurance

What’s typically covered by employers’ liability insurance?

Business and office equipment insurance

What’s typically covered by business and office equipment insurance?

Stock insurance

What’s typically covered by stock insurance?

Legal expenses insurance

What’s typically covered by legal expenses insurance?

Personal accident insurance

What’s typically covered by personal accident insurance?

How much does complementary therapy insurance cost?

Prices start from £4.95 per month

Example holistic insurance quotes, real prices

What kind of excess should I expect?

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

How do I choose insurance?

Which type of workers do I need insurance for?

Does holistic insurance cover my work correctly?

Do I need cover for other types of work?

Which public liability cover limit should I choose?

Talk to an expert

Online

Phone

FAQs

How do claims work?

£51 million in claims paid out in 2023

Compare and buy in minutes

Rated 4.6/5

Here to help

24/7 claims

Insurance for holistic practitioners FAQ

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