Homeopathy insurance
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Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Homeopathic insurance – why is it important?
As a homeopath, you treat a number of clients – whether you work from home or a clinic, insurance can help protect against injury and property damage. If a claim came up, would you have the funds to handle it? By combining covers, you can protect your business against the specific challenges you face.
- homeopathy 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
What does Homeopathy insurance cover?
The first cover to consider is usually public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. Then you can add other covers to a policy that protect against the different risks that homeopathy practices face.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your practice
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your practice.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Stock insurance
In case something happens to your products and consumables.
Tool insurance
In case your tools are lost, stolen or damaged.
Excess insurance - select options
In case you need to make a claim on your insurance policy.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- causing damage to someone’s property, caused by you or as a result of your work
- causing illness or injury because of your business activities
- accidental damage or injury caused by your employees, if you have any
For example:
- you spill hot coffee over a client during a meeting, causing a burn
- a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
- one of your employees causes extensive damage to your client’s property when reversing their van
**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 that happens as a result of working for you (including temps and casual workers)
- an employee, including a contractor or casual labourer, suing you after falling ill because of working for you
**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:
- your employee injures their lower back while moving furniture at your premises and holds you responsible
- an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
- a member of staff trips over while unloading business equipment, injuring their knee
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business equipment insurance?
Claims against your business for:
- cover for your contents, such as furniture, caused by fire, flood, theft, or vandalism
- damage to equipment used to run your business
For example:
- a faulty toaster causes a fire in your office kitchen, badly damaging the oven and microwave
- a three-piece sofa suite is ripped by vandals and needs replacing
- thieves break into your office and steal three tablets used by your sales team
Read more about business equipment insurance
Business legal insurance
In case you’re hit with legal expenses connected to your practice.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for contractual disputes arising from an agreement
- cases relating to civil action taken against you for compensation under data protection legislation
- employment disputes and compensation, for both employees and volunteers
For example:
- a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
- your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
- you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit
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:
- accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
- medical costs, lost income, and hospitalisation benefit
For example:
- your business partner, who’s named on the policy, is injured while ice skating and left permanently disabled
- you fall down some stairs at home and lose the use of your right arm
- an employee you’ve covered is playing squash at the weekend and hits their head on the wall, causing concussion and a hospital stay
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:
- loss of stock, and theft or malicious damage to your stock
- damage or destruction to stock caused by fire or flood
- the essentials you keep as stock – the items you need to sell to operate
For example :
- flooding in your storage unit destroys your stock
- you make a big Christmas packaging order that’s stolen while you’re speaking with a supplier
- someone drives into your shop, smashing the windows and destroying a week’s worth of stock
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:
- stolen tools and equipment
- accidental damage to the tools you need for your business
- loss of specialist equipment and tools
For example:
- a thief steals your business equipment and you miss out on a job
- you accidentally leave some specialist equipment out in the rain, damaging it beyond repair
- you lose your tools on a work trip
Read more about tool insurance
Excess insurance - select options
In case you need to make a claim on your insurance policy.
What's typically covered by excess insurance?
Claims made by you for:
SELECT 1 OPTION FROM THE BELOW :
Option 1
the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy
Option 2
when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess
SELECT THE SAME NUMBERED OPTION AS THE ABOVE TICK BOX. NOTE - THERE IS NO 'READ MORE' LINK HERE
Option 1
For example :
- strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
- a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
- a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance
Option 2
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 homeopathic insurance coverage 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 £3.19 per month
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
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.
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How do insurance claims work for homeopaths?
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.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
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Homeopathy 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:
- View all business insurance covers
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
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