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Reflexology insurance

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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

Reflexology insurance – why is it important?

Accidental injury is a common risk for close contact and holistic therapies like reflexology, whether that’s in a clinical setting or a customer’s home.

The good news? This doesn't have to derail your entire business. Whether you work alone or with a team, business insurance protects you against the costs of the unexpected.

  • compare cover from expert UK brands and protect your business
  • insurance for reflexologists online, from quote to claim
  • peace of mind, letting you focus on your business, not the what-ifs

Start your quote

What does reflexology 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 reflexologists face.

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:

  • damage to someone’s property, caused by your business activities
  • illness or injuries as a result of your business
  • employees causing accidental damage or injuries

For example:

  • while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
  • you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
  • your employee drops heavy equipment on your client’s floor, causing extensive damage

**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 reflexology business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • injuries to staff (including casual labourers and contractors) that are caused as a result of your business
  • illness suffered by an employee (including temps and casual workers) caused by 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 office manager breaks their finger while trying to close a faulty window at your business premises
  • your receptionist trips over a cable running across the floor of your office, breaking their ankle
  • a temp worker scratches their arm on one of your tools, and the injury becomes infected

Business 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:

  • damage to your contents or business equipment
  • destruction or damage caused by theft and vandalism, as well as fire and flood

For example:

  • a vintage glass cabinet is badly damaged following a break-in at your premises
  • a leaking radiator damages some office furniture, which needs replacing or restoring
  • the camera you use to take photographs of stock is stolen from your office

Read more about business contents 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, damage or theft of essential stock
  • destruction of stock caused by fire or flood
  • the cost of replacing items that you’re going to sell

For example :

  • a fire in your shop destroys key stock
  • your stockroom gets flooded by a leaking pipe
  • someone breaks into your shop, stealing stock and damaging stock they leave behind

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 reflexology 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

Business legal insurance

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

Claims against your business for:

  • a dispute relating to debt recovery, including judgement enforcements
  • an investigation into your tax affairs
  • someone using your company’s identity illegally

For example:

  • one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
  • HMRC investigates your recent tax return, triggered by a fluctuation in your business income
  • someone gets hold of your company bank details and uses them to buy goods and services

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 death or injury, whether it happens at work or elsewhere, for anyone you’ve chosen to cover on your policy
  • lost income, plus medical costs and hospitalisation benefit

For example:

  • an employee you’ve covered on the policy slips on ice while commuting to the office, injuring their lower back
  • you’re tidying the office and an old printer falls onto your shoulder, causing a serious injury
  • your business partner bumps their head after a fall, causing ongoing health complications which stop them from working

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 reflexology 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 £3.19 per month

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

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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

£4000

Stock

£200

£4000

Main building

£200

£400

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

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    Get your documents the same day

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How do claims work for reflexology insurance?

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.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

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.

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.

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  • Rated 4.7/5

    Based on 39,717 reviews

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Reflexology 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.

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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