Complementary Therapists Insurance

Our specialist team has many years’ experience of providing professional liability insurance for over 200 different complementary therapies. We work with a broad range of organisations, from sole practitioners through to limited companies.

 

Instant cover can usually be arranged with just one phone call.
 

Covid-19 and your Howden Professional Liability insurance policy

We understand that many of you are concerned about the coronavirus pandemic amidst the easing of lockdown restrictions and return to work. 

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.

Policy highlights

Flexible limits of indemnity

Limits of £1.5 million, £3 million, or £5 million, together with a standard Public Liability element of £10 million.

Civil Liability cover

So you are protected against claims arising from provision of training or supervision.

Up to £50,000 protection against dishonesty

In case your business suffers a financial loss because of a dishonest employee with malicious intent.

Non-payment of fees cover

If one of your clients is dissatisfied with your services and refuses to pay or requests a refund, the policy can cover this, where we believe withdrawing the demand for payment will help avoid a civil claim for a larger amount.

Release of confidential information

Cover for up to £5,000 of compensation fees if you are ordered by a court or tribunal to release confidential information.

Complaint investigation and disciplinary hearings

Protection against complaints and accusations made against you to your regulatory board.

72-month run-off provision

So that you are protected against post-hoc claims for up to 6 years after you cease practicing. 

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 A

• Aromatherapy
• Hypnotherapy
• Indian Head Massage
• Reflexology
• Shiatsu
• Yoga

Category B

• Bach Flower Remedies
• Electro Stimulation Therapy
• Floatation Tank Therapy
• Homeopathy
• Hopi Ear Candles
• Iridology
• Laser Therapy

Category C

• Acupuncture
• Cupping