Aromatherapy insurance

Yes, we can cover therapy businesses as well as sole practitioners.

No, this policy enables you to treat all ages, from babies to centenarians.

Which you need depends very much on the specificities of your business. Employers’ liability insurance is required by law if you employ other staff as part of your company. Public liability insurance protects you against accidents that may happen, implicating a member of the public.This includes accidents ranging from something as small as a spilt drink over a piece of equipment, to serious bodily injury. Professional liability insurance covers legal and compensation costs that arise from claims made against a professional for alleged negligence, errors, or omissions in the course of their work. This may include claims for financial loss, damage to reputation, or breach of confidentiality.

Remember to ensure that you are covered sufficiently. 

We can arrange cover for therapists across a wide range of activities, including acupuncture, homeopathy, massage therapies and reflexology. Liability arising from any of the following:

• Eczema sufferers’ electroencephalography, surgical or dental treatment

• Any medical treatment

• Any banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA), or banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA)

• Cannabidiol (CBD) where not regulated as a novel food or a cosmetic within the United Kingdom

• Any beauty therapies undertaken

• Coronavirus including COVID-19 and SARS CoV-2, cyber incidents, wear and tear or Communicable Disease

The list of exclusions above are not exhaustive so please ensure you read your policy wording for full terms and conditions which are available through the quotation process or upon request.

If you would like other types of work to be included in your policy, please specify these when you speak to an agent.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.

We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.