Complementary Therapist's insurance

Protect yourself, your business and your clients

Tailored insurance designed to protect complementary therapists

Professional Indemnity insurance is crucial for Therapists as it provides coverage for a range of potential risks, including civil liability, legal defense costs, non-payment of fees, and protection against dishonesty. It also offers coverage for complaints to professional bodies and disciplinary hearings.

In the dynamic field of complementary therapy, practitioners may face various challenges, from client claims and legal disputes to issues related to confidentiality and professional conduct. Having a robust insurance policy in place provides a safety net, ensuring that therapists can carry out their work with confidence, knowing they are protected against unforeseen circumstances.

Why choose Howden for Therapists insurance?

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Tailored policies based on your circumstances and criteria

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Competitive & affordable premiums

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Broad and generously worded coverage, with no grey areas to cause you stress

Policy highlights

  • Flexible limits of indemnity - We offer limits of £1.5 million, £3 million, or £5 million, together with a standard Public Liability element of £10 million.
  • Full Civil Liability cover
  • 72 month run-off provision- We provide free coverage after policy expiration, in line with The Limitation Acts, to give you flexibility if you take a break, go on maternity leave, change career, or retire.
  • Protection against dishonesty
  • Confidential information cover - Our policy offers up to £5000 cover for this. 
  • Cover for complaints to your professional body and disciplinary hearings
  • Legal defence costs – we cover legal defence on a “costs in addition” basis, which protects you in the event of a case dragging on and costs mounting up. This means the legal fees are separated from your policy limit. So if your policy limit is £1.5 million, all of those funds are earmarked to pay for damages and settlements.
  • Non-payment of fees cover
  • Directors’ and Officers’ protection - Senior staff can claim up to £80,000 in protection against claims of negligence, to cover defence costs and damages.

Premiums are calculated to reflect the level of risk associated with each therapy 

Category ACategory BCategory C
  • Aromatherapy
  • Hypnotherapy
  • Indian Head Massage
  • Reflexology
  • Shiatsu
  • Yoga
  • Bach Flower Remedies
  • Electro Stimulation Therapy
  • Floatation Tank Therapy
  • Homeopathy
  • Hopi Ear Candles
  • Iridology
  • Laser Therapy
  • Acupuncture
  • Cupping



We can also arrange the following additional covers: 

  • Cyber Insurance
  • Directors' & Officers' Liability / Trustee Liability
  • Office & Contents Insurance
  • Employers Liability Insurance
  • Home Insurance for working from home

Find out more

Do you have an existing policy with Howden?

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Alternatively, call us on: 01924 241945

Contact us

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Covid-19 and your Howden Professional Liability policy

With Howden as your insurance broker, provided you follow Government and professional association guidelines, your policy with Howden will continue to provide liability cover and does not exclude claims against you arising from coronavirus. 

A policy with Howden also does not dictate through which medium you work. You can therefore work face to face (subject to government guidelines), or by remote means, which can include; telephone, email, skype, zoom, FaceTime, WhatsApp etc. 

Please ensure that whatever method you use is secure and confidential.

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Managing your insurance online

The HowdenPro portal provides a safe and user-friendly way of managing your insurance online, allowing you to: pay, renew and manage your insurance & policy documentation. You will need your user ID and password to access the portal, please contact us if you have lost these details.