As an energy healer, liability insurance should be seen as both standard practice and best practices. It also shows your clients that you take your work seriously and act professionally.
Some states are actively taking steps toward licensing unregulated bodyworkers such as energy healing practitioners in order to combat sexual trafficking, and several reputable insurance providers offer policies tailored specifically for energy healing practitioners with A+ rated coverage limits.
General Liability
As a Reiki master, reiki healer, EMDR therapist, crystal healing specialist or other alternative energy practitioner, accidents can happen. Insurance will protect both you and your clients. Most importantly, it shows them that you take your practice seriously so they can trust in your abilities.
Professional liability insurance is required in many states for health care providers who provide services, in order to protect themselves should a client file a claim alleging negligence and subsequent injury caused by them. Some organizations licensing practitioners also mandate it.
Energy medicine professional insurance providers typically offer various policies tailored to fit the needs of practitioners in various specializations. Reputable insurers who provide energy medicine professional insurance typically have policies with tailored general and professional liability coverage options as well as additional resources like marketing strategies and community forums – not to mention exceptional customer service that’s easy to work with!
Some insurers provide policies specifically tailored to cover hypnotherapy and acupuncture alongside more traditional modalities. Understanding that these therapies may overlap, these insurers offer coverage against claims related to your use of these therapies in your business.
Note that these policies do not provide coverage for devices used during sessions – or equipment insurance, as this type of coverage typically falls under your property/business owner’s policy.
HTPA has established partnerships with multiple insurance providers who provide liability coverage for energy healers, from students and part-time practitioners working less than six hours each week up to full-time energy practitioners. Most policies offer coverage for classes or sessions of up to nine in-person participants per session or class and no participation limits online; most policies also require Innersource as an Additional Insured Endorsement on your policy.
Professional Liability
Energy healing modalities such as EFT, Reiki and Tapping that are considered wellness-based therapies require practitioners to carry professional liability insurance as protection from claims stemming from negligence, errors or malpractice in performing services provided and can cover legal defense costs, settlements or judgments against them as well as expenses associated with regulatory proceedings should a complaint against them arise.
As it pertains to energy work and holistic healthcare professionals, it is recommended that you choose an insurance provider with experience specializing in this niche area. Such providers typically offer additional products and services such as marketing strategies, client resources and networking opportunities through online communities for energy practitioners. In addition, they may provide invaluable risk management education as well as support tools tailored specifically for your energy modality.
Liability insurance is required in most states and cities to practice energy healing, and serves to show your clients that you take your profession seriously. Some modalities require it in order to gain certification.
Energy Workers who require liability coverage can find assistance through EMPA, a professional organization offering liability policies across all Energy Medicine modalities as well as networking and practitioner lab access for hands-on experience. They also offer marketing and business building courses such as Safe Practice Certificate Course and list members on their national referral listing.
Alternative Balance offers liability insurance coverage for all energy healing modalities such as EFT/Tapping, Crystal Healing, Reiki Masters, Wim Hof Method, Guided Meditation, Sound Bowl Healing and Numerlogy. Their online application makes getting covered easier than ever! They even provide HIPAA compliance and confidentiality training for practitioners who offer remote sessions via phone, Skype or other electronic platforms – essential when more clients seek remote healing modalities!
Cyber Liability
Data breaches pose a real danger for any business in today’s digital environment, and energy medicine practitioners should seriously consider investing in cyber liability insurance to protect themselves financially if such an event were to occur. Cyber liability policies can cover costs related to notifying customers whose personal information has been stolen as well as helping restore lost data files.
Balance is something most clients seek and energy healing practitioners strive for during sessions, yet accidents still may happen despite best intentions – which is why having high-rated professional liability insurance coverage with adequate limits should provide peace of mind and provide enough coverage limits.
Many renowned insurance providers provide tailored policies for complementary and holistic therapy professionals that cover general, professional and public liability for them, with coverage specifically designed to cover claims that arise from treatments like acupuncture and shiatsu.
Some insurers also provide additional services beyond liability coverage, such as marketing strategies and client resources for energy healers as well as networking through online communities. Insurance providers also provide special programs for HTPA members, offering discounted liability coverage. To find out more, talk to your coach or contact them directly. Alternative Balance provides insurance for over 500 energy work modalities under one policy, including Reiki, Wim Hof Method, sound bowl healing, guided meditation and numerology. Their AM Best A+-rated insurers ensure peace of mind at competitive rates with ample coverage limits and rates that offer protection.
Additional Insured Endorsement
Energy work modalities like acupressure, Reiki and healing touch offer healing benefits to their clients. They can relieve pain, anxiety and depression as well as promote restful sleep and balance within the body. While energy practitioners can find such practices beneficial in any profession setting, accidents do happen and it’s essential that energy practitioners carry insurance for protection purposes.
Liability insurance shows clients that you take your practice seriously and is also required by many states and can be an asset to your business when seeking clients or opportunities. Numerous insurance companies specialize in policies for energy workers with both general and professional liability coverage as well as high aggregate limits – providing risk management education courses, marketing strategies and practitioner labs with hands-on experience for further development of skills and abilities.
Some insurers allow you to add entities as additional insureds on your policy, such as landlords of studio space you rent out, show hosts and event hosts, spas/salon owners where you rent space etc. These policies can help increase business while building reputation in the community.
Maintaining your practitioner listing on Eden Energy Medicine Certified Practitioner Directory requires having a current liability insurance policy with Innersource listed as additional insured (AIE). For more information about these providers and their policies, visit their websites or speak to their friendly staff over the telephone.
