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Alternative therapy insurance

Join over 900,000 UK customers with cover from £3.49 per month*

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  • Compare tailored insurance for alternative health practitioners from trusted brands

Alternative therapist working on a client

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Rated 4.8/5

Based on 39,802 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Insurance for alternative health practitioners – why is it important?

Whether it’s treatment or advice, alternative therapy presents unique risks to you and your clients, so it’s important to look at the protection your business might need. From injuries to legal costs, if you were hit with a claim, would you have the funds to handle it? Business insurance is there to protect you against unexpected costs.

  • health practitioner insurance insurance online, from quote to claim
  • optional personal accident cover for your own injuries, or anyone on the policy
  • peace of mind, letting you focus on your business, not the what-ifs

Start your quote

What does alternative therapy insurance cover?

Build a policy that covers the unique needs of health practitioners. Most businesses usually consider public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. From there, tailor your policy by adding covers that suit your business best.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for alternative health practitioners?

Claims against your business for:

  • damage to someone else’s property, caused by your work
  • injuries caused by you at work, or afterwards because of your work
  • accidental injury or damage caused by your employees (if you have any)

For example:

  • you accidentally knock your client’s car when parking up outside their house, causing damage to the paintwork on one side
  • a customer trips on a loose cable while on your premises, falling and breaking their arm in several places
  • an employee is mopping the floor, but forgets to put up a safety sign, causing an electrician to fall and injure their back

**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 practice

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury to someone you employ, including contractors and temps, that happens as a result of working for you
  • a member of staff (including casual workers) falling ill due to your business

**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 your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
  • a temporary employee traps their hand in a door at your premises, causing several fractures
  • a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

  • accidental damage to your contents, or the equipment you use to run the business
  • theft, flood, and fire damage

For example:

  • someone breaks into your business premises and steals three company laptops, as well as two sets of headphones
  • a faulty dishwasher floods your office kitchen, causing damage to several appliances
  • your business equipment is damaged by vandals during a break-in

Read more about busines contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your practice.

Claims against your business for:

  • costs and expenses for legal representation to recover debts or unpaid invoices
  • costs and expenses following identity theft
  • tax protection if there’s an investigation into your business

For example:

  • one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
  • your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
  • HMRC is investigating your recent tax return as they noticed a fluctuation in your business income

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • an accidental injury or death suffered by anyone who’s named on the policy (whether it happens at work or elsewhere)
  • medical costs and hospitalisation benefit, as well as income lost by your business

For example:

  • your office manager – who you’ve covered on the policy – injures their back at the gym and can’t work at full capacity for a month
  • you suffer a serious burn while cooking and need to take time off work for treatment
  • one of your employees breaks their arm while playing football, and can’t work at full capacity for three weeks

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • theft or vandalism to your stock
  • other loss or damage to your stock, for example through fires or floods
  • essential stock that you need to sell in order to operate

For example :

  • your stockroom gets vandalised – products you need to operate are stolen and damaged
  • a fire caused by faulty electrics spreads to your stockroom and destroys sellable items
  • a leaking pipe floods your business premises, destroying stock that you intend to sell

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

  • accidental damage to your tools and equipment
  • theft of the tools you use for your business
  • loss of your business tools

For example:

  • your tools are stolen from your car or van
  • you lose some expensive equipment on the way to a job
  • a flood causes irreparable damage to your [TRADE] tools

Read more about tool insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What's typically covered by excess insurance?

Claims made by you for:

  • when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

  • after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
  • a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
  • a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim

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 alternative 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 £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

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

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4,000

Stock

£200

£4,000

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

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do insurance claims work for alternative therapists?

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 team 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 24/04/2024.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

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  • Rated 4.8/5

    Based on 39,802 reviews

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Alternative therapy insurance FAQs

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 off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • 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 installments.

  • 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.

  • Make sure you’re covered for the services you provide:

    The types of businesses we insure:

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

Helpful articles for alternative therapy practices

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