The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

What Insurance do Holistic Therapists Need?

Holistic therapists work to help their clients recover from illness, injury and trauma using complementary medicines and treatments. But what if disaster strikes your business and a client is injured at your place of business or you accidentally damage someone's property in the course of your work?

Holistic insurance can help to mitigate the risks specific to the profession, from injury and illness to damage claims, which can come from your clients, employees or other third parties. Here's what you need to know about complementary therapy insurance to protect you and your business, whether you are self employed or you run a larger business.

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Types of Holistic Insurance

While insurance needs can vary from business to business, there are a few common types of insurance that a holistic business or complementary therapist might need. Here we define what they cover and how they work, through some examples to help show how they can protect a business.

Public Liability Insurance

Public Liability insurance protects against claims of property damage or bodily injury by a client or other member of the public. However, the types of bodily injuries covered by a public liability policy are limited to accidental situations such as slips and falls, not injuries directly related to any bodywork you perform or advice you give—to cover those types of claims you'd need professional liability/malpractice as discussed below.

What specifically does public liability insurance cover? It provides access to legal experts, as well as covering legal costs and compensation claims if you're sued. You'll frequently find limits of £1 million, £2 million, £5 million or £10 million in the UK marketplace for public liability insurance.

  • Bodily Injury Example: A client trips on a loose carpet on your premises, falling and seriously injuring themselves. They're unable to work for 2 month as a result and sue you for lost wages.
  • Property Damage Example: When carrying your heavy treatment table into a customer's house, you accidentally damage their floor and they sue you for damages.

Professional Liability/Malpractice Insurance

Professional Liability/Malpractice Insurance (sometimes called Professional Indemnity insurance) can protect against claims from dissatisfied clients who have complaints about the professional advice or service you gave. This type of insurance can cover legal defence costs and compensation settlements if you're sued and found liable.

  • Professional Liability Example: A client claims that the advice you provided has caused them harm, and sues you as a result.

Employers' Liability Insurance

Employers' Liability insurance is a required by law for a business that has any employees. So if your business is growing and you hire someone to manage your office or you expand your team of practitioners then you'll need to buy employers' liability insurance. This type of insurance covers legal costs and compensation claims if an employee becomes ill or is injured at work and sues as a result.

  • Employers' Liability Example: An employee is injured when carrying a heavy box that you asked them to bring up from the basement. They suffer long-term back problems and claim you are responsible.

Tools/Equipment Insurance

Tools/Equipment Cover is for a holistic business that uses treatment couches or chairs, massage tools, hot stones, sterilisers, and other equipment that can be lost due to damage (e.g., fire) or theft. Those with a mobile holistic practice can get cover when taking their equipment away from their home or regular place of business. Proper equipment is critical and you can't work without it, so insuring it against loss and theft can be critical for a holistic practitioner.

  • Tools/Equipment Cover Example: A fire in your rented treatment room damages all of your equipment. You can claim for their value under your equipment insurance.

Personal Accident Insurance

Personal Accident insurance can provide a financial benefit to you if an injury prevents you from working. Most insurance policies only cover accidental injuries that occur at work, but some in the marketplace expand their cover to include accidental injuries anywhere (e.g., on holiday). Personal accident cover is a "benefit" (so it's not tax deductible) and is usually offered as a weekly payout in case of a temporary injury (e.g., broken arm) or a lump sum payout for a permanent disability (e.g., loss of a limb).

  • Personal Accident Example: You trip and fall at work, causing a serious injury to your hand that prevents you from working. You claim for the weekly benefit to replace your income while your hand heals.

Vehicle Insurance

A therapist who makes home visits or visits multiple work locations will need to declare business use on their car insurance. This might cost a bit more, but would be required by law. You wouldn't be likely to need commercial vehicle insurance, however. If you're unsure it's best to check with your insurance company or a specialist broker.

  • Vehicle Insurance Example: On your way to a client's house you have an at-fault accident at a roundabout, causing damage to your car and another car. A comprehensive car insurance plan would cover the resulting damages.

In addition, there are many other types of business insurance that you might need. Talk to a specialist insurer or broker if you are unsure of the coverage you need.

Do Complementary Therapists Need Insurance?

Yes, most holistic or complementary therapists need business insurance. Whether you help clients recover from illness, improve mobility, lower stress levels, aid sleep, assist with weight loss or stopping smoking, or a host of other services, you will certainly face risks that can be mitigated with the right business insurance package. And even if a claim is unfounded, you will still need to pay to defend it, which can cost thousands of pounds in legal expenses.

Here is a quick recap of a few of the more common types of holistic insurance coverages:

  • Public liability insurance is critical for any business that deals in person with members of the public (e.g., clients), so most holistic practitioners would need this.
  • Professional liability insurance can also be important to protect a holistic therapist from customers who claim your service or advice caused them injury.
  • Employers' liability insurance is required by law as soon as you hire someone to work for you, even a part-time therapist or an office assistant.
  • Equipment/tools cover is useful for covering expensive equipment you use as part of your holistic practice accidental damage or theft.

Whether or not you need other types of business insurance as the owner of a holistic treatment business will depend on the specific risks you face, such as personal accident, commercial property insurance if you own your business premises or want to protect contents, business interruption insurance, etc.

How Much is Public Liability Insurance for a Holistic Therapist?

The average cost of public liability insurance for a complementary therapist business starts from around £61 a year (providing £2 million of cover). But a holistic medicine business's total insurance costs can quickly rise to multiples of that amount depending on the additional coverages you need.

If you go for a higher coverage limit on your public liability insurance your premium will go up, but not by much—the first £1 million of cover is the most expensive, with each additional £1 million of cover typically costing less.

Ultimately, the cost of business insurance depends on a number of factors, such as the type of cover you need, the amount of cover you need, your turnover, the types of therapies you carry out, your previous claims history, the number of employees you have and even where you work. Here are average business insurance costs for a holistic or complementary therapy practitioner who operates as a sole trader, to give you a rough idea of how much you might need to pay for cover:

Starting Insurance Costs for a Complementary Therapy Business
Public liability£61
Legal costs£65
Personal accident (for 1 person)£30
Employers' liablity (1 employee)£70
Equipment cover (£5k)£60

How can I save money on my holistic business insurance?

You may be able to save money on business if you belong to a professional organisation, such as the British Holistic Medical Association, British Complementary Medicine Association or the Association of Holistic and Complementary Practitioners. Your insurer may not offer a discount for belonging to a professional organisation, but it doesn't hurt to ask.

Another way to potentially save money is by purchasing all of your business insurance from one source as a package versus buying each type of coverage separately—which has the added benefit of lining up payment and renewal dates. Another way to save on complementary therapy insurance is by paying upfront, since paying monthly typically results in interest charges which can add more than 12% to your insurance costs.


Yes, holistic or complementary therapists need insurance to protect them against situations such as accidental injury to clients or other third parties or damage to their property (e.g., public liability insurance) or injury to a client as a result of advice or a treatment (e.g., professional indemnity insurance/professional liability/malpractice). There are also a number of other types of insurance that a holistic business might need.

The cost of holistic therapy liability insurance starts from as little as £60 a year or so (around £5 a month), but costs depend on the work you do, the coverage you need and other factors.

Yes, the right insurance is crucial to protect a complementary therapist's business, whether you run a larger business or you are self employed. Even as a self-employed sole trader you may face risks such as injury to the public, property damage, dissatisfied clients, equipment theft, etc. Without insurance, you could be liable for defence costs and settlements due to client injury, or paying to replace stolen equipment yourself, for example.

Holistic Therapist Employment and Earnings Statistics

According to the latest Annual Survey of Hours and Earnings (ASHE), most therapy professionals earn in the region of £29,947 a year in the UK, but pay depends on your experience level, the type of work you do, how much you work and where you live. There is limited data available for holistic practitioners specifically. For instance only one holistic therapist has listed their pay at GlassDoor—£48,821. Here are some statistics on how much therapy professionals in general (including holistic practitioners) earn a year from more widely reported government data:

Therapy Professional Employment Statistics UK
Number of Jobs16,000
UK Average pay (full time)£32,838
UK Average pay (part time)£21,530
UK Average pay£29,947
South West average pay£28,871
Scotland average pay£20,200
North East average pay£27,661
North West average pay£29,614
Yorkshire and the Humber average pay£31,310
West Midlands average pay£35,377
East average pay£28,152
London average pay£33,555
South East average pay£27,704

Holistic insurance can cover a wide range of practitioners, including but not limited to the following complementary therapies:

  • Acupressure
  • Acupuncture
  • Addiction Therapy
  • Advanced Sound-Wave Energy
  • Alexander Technique
  • Allergy Therapy/Testing
  • Aqua Detox
  • Aromatherapy
  • Art Therapy
  • Astrology
  • Aurora Therapies
  • Ayurveda
  • Baby Massage
  • Baby Reflex
  • Baby Yoga
  • Balinese Massage
  • Behavioural Therapy
  • Bio-Energy Therapy
  • Biofeedback
  • Bio-Magnetic Technique
  • Bio-Resonance
  • Biorhythms
  • Body Alignment Technique
  • Body Stress Release
  • Breastfeeding counsellor
  • Breath Therapy
  • Buteyko Breathing Method
  • Chakra Balancing
  • Chi Kung / Qi Gong
  • Cognitive Behavioural
  • Colour and Image Consultancy
  • Colour Breathing
  • Colour Reflexology
  • Colour Therapy
  • Craniosacral Therapy
  • Crystal Acupuncture
  • Crystal healing/therapy
  • Cupping
  • Dance Movement Therapy
  • Daoyin Tao
  • Diet and Nutrition Advice
  • Drama & Movement Therapy
  • Dramatherapy
  • Dream Analysis
  • Ear Candling
  • Egyptian Sekhem Reiki
  • Electro Crystal Therapy
  • Emotional Freedom Techniques
  • Energy Healing
  • Face Reading
  • Faith Healing
  • Feng Shui Consultant
  • Flower Essence Therapy
  • Geopathic Stress
  • Hand Reflexology
  • Healer Dowsing
  • Healing
  • Healthy Eating Advice
  • Herbalism (Western)
  • Holistic Massage
  • Holistic Psychotherapy
  • Homeopathy
  • Hopi Ear Candles
  • Hot Stone Massage/Therapy
  • Hydrotherapy
  • Hypnotherapy
  • I-Ching Readings
  • Indian Face Massage
  • Indian Head Massage
  • Integrated Energy Therapy
  • Iridology
  • Kairos/Shen Therapy
  • Kalari Foot Massage
  • Kinesiology
  • Tibetan Head Massage
  • Laughter Yoga Therapy
  • Lava Shells
  • Light Therapy
  • Light Touch Therapy
  • Magnetic Therapy
  • Manual Lymphatic Drainage
  • Massage
  • Mediation
  • Meridian Therapy
  • Metabolic Effect Fitness
  • Mindfulness Therapy
  • Mobile massage
  • Music Therapy
  • Myofascial Release
  • Naturopathy
  • Neuromuscular Therapy
  • Nutritional therapy
  • On Site Massage
  • Phytobiophysics
  • Phytotherapy
  • Play Therapy
  • Polarity Therapy
  • Posture Analysis
  • Pranic Healing
  • Psychotherapy
  • Reflexology
  • Reiki
  • Relaxation Therapy
  • Shen Therapy
  • Shiatsu
  • Smoking Cessation Therapy
  • Sound Healing/Therapy
  • Speech and Language Therapy
  • Spiritual coaching
  • Spiritual Healing
  • Sports Therapist
  • Stress Management
  • Swedish Massage
  • Tai Chi Instructor
  • Tapas Acupressure Techniques
  • Terra-Mai Reiki/Seichem
  • Thai Massage
  • Thai Yoga Massage
  • Ultrasound therapy
  • Vibrational Medicine
  • Vibromuscular Harmonization Technique
  • Visualisation
  • Weight Management
  • Whole Food Therapy


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.