What is insurance for complementary therapists?
Specially designed policies for complementary therapists with cover for a range of treatments
As a Complementary Therapist it’s important to consider the risks of your business. Whether you’re salon or mobile based, the fact that you work directly with the public using water, oils and creams means that you have to consider protecting yourself with public and products liability cover should something go wrong while you treating someone.
A Complimentary Therapy insurance policy can help to cover you for a range of therapies, including, but not limited to: aromatherapy, allergy testing, various types of massage, nutritional therapy, reflexology, Reiki, homeopathy, hypnotherapy and more. It can also provide cover for gym instructors and personal trainers, sports therapists, and Pilates and yoga instructors.
Taking out a tailored business insurance policy with The Insurance Octopus will help to provide you with the financial protection you need if you are faced with a liability claim for damage or injury that could negatively affect your business profits in the long run.
What your Complementary Therapy Insurance policy includes
Public Liability insurance
Public Liability insurance cover is available as standard from £1 to £5m, higher limits are available upon request. Should one of your customers or a member of the public be hurt, or their property become damaged as a result of your negligence, public liability insurance will help to protect you.
Treatment Risks are an extension of your public liability policy and covers you in the event of a claim being made against you if one of your treatments causes an injury to a client.
Employers Liability insurance
Employers Liability insurance cover is mandatory if you have one or more employees. Employers Liability cover comes as standard at £10m and will protect you, as the employer, against claims from your staff should they be hurt when working for you.
Business Contents cover
Business Contents cover includes your trade contents, fixtures and fittings, stock, employees and customers personal effect, and will protect them should your business be faced with a disaster such as fire or flooding.
Tools & Equipment cover
Tools & Equipment cover protects your complimentary therapy tools of the trade, should they be lost, stolen or broken. Damage, loss, destruction or theft can be a major setback for a business if encountered. This cover will help get you back on track quickly, with minimal disruption to your business’ activities and operations.
Personal Accident cover
Personal Accident cover will help with your financials should you have an accident whilst working. The cover will help provide compensation for a specific period of time that you are unable to work as a result of the accident.
Business Money cover
Business Money covers your business cash whilst on the premises during working hours.
Benefits of having Complementary Therapy Insurance
Having your own Complementary Therapy Business should be an exciting and rewarding experience, which is why you need to protect your business for financial security in the event that something goes wrong. If you own a salon or you rent a space within a hair and beauty salon, you need to have a comprehensive complementary therapy policy in place to protect you against unforeseen events and interruptions to your business.
The Insurance Octopus is able to specifically tailor your Complementary Therapy Business insurance around your personal needs, with you, your business and range of treatments you offer at the forefront. As a result you will be covered for all eventualities, giving you the peace of mind that you are completely covered through The Insurance Octopus.
Have you considered Business Interruption cover?
In the unlikely event that something happens to your business premises, have you considered what impact this may have? Many businesses don’t and then suffer the consequences as a result. Business Interruption insurance covers the loss of income from being unable to trade as a result of insurable claim such as fire, flood, or storm damage among others. This could be vital to some businesses dependent upon the length of time they are unable to trade.
Benefits of Complementary Therapy Insurance
When you’re considering taking out a policy, one of The Insurance Octopus Massage Therapist insurance specialists will discuss your business requirements with you and compare personalised quotes from a number of major insurance providers, ensuring you get a bespoke policy. You will only pay for the cover you need, which can include a number of additional policy extras you may require.
Why choose The Insurance Octopus for Complementary Therapist Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that's is why we offer up to £5 million worth of public liability insurance for professionals.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.