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Aromatherapy Insurance: Liability, Cost & Quotes From $5

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Similar to physical therapists, complementary therapists, hypnotherapists, beauty therapists, and massage therapists, aromatherapists need insurance. Insurance will help you provide services with more confidence. It might even be required for licensing purposes, depending on where you’re working. 

Aromatherapist insurance is the specialty insurance product you need. This consists of different insurance policies that grant protection against legal liabilities, commercial losses, workplace injuries, and other exposures. Read this guide to know how much is aromatherapy insurance, how it works, where to get the best coverage, and compare quotes online.

Aromatherapy Liability Insurance


CoverWallet NEXT (Best)Hiscox ABMPAlternative Balance Insure BodyWork
Per occurrence limit $1,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000$2,000,000$2,000,000
Aggregate limit $2,000,000$2,000,000/$4,000,000$300,000/$2,000,000$1,000,000/$2,000,000$3,000,000$3,000,000
Products and completed operations aggregate limit 
$2,000,000
$1,000,000$1,000,000$2,000,000$2,000,000$3,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000$2,000,000$2,000,000
Tenant’s legal liability coverage limit 
$300,000
$100,000$100,000$5,000$300,000$300,000
Waiver of subrogation included?YesNoExcludedIncludedExcludedIncluded
Hired/non-owned auto liability coverage included?YesNoExcludedExcludedExcludedExcluded
Equipment breakdown floater included?No YesExcludedYes

ExcludedExcluded
Can you get a certificate of insurance online?YesYesYesYesYesYes
Name additional insureds?YesYes
YesYesYesYes
Deductible$0$0$0$0$0$0


Scents can alleviate and improve the conditions of your clients. But at the same time, they can result in sickness or even aggravate an existing illness. 

For example, ylang-ylang essential oil and rose essential oil have strong scents. These may aggravate the symptoms of clients who have asthma and other lung-related problems. 

Basically, you can be held liable if your aromatherapy treatment caused more harm than good. And so, it’s good to get aromatherapy liability insurance that’s usually available in the form of a general liability policy. Use the table above to compare the general liability insurance of companies we recommend. 

General liability insurance grants a shield against claims for bodily injuries or property damage. Here are concrete examples where this type of aromatherapy business insurance is useful:

  • A client slips and falls by stepping on a spilled essential oil on the floor

  • A client experiences shortness of breath or dizziness during an aromatherapy session 

  • You stained the client’s clothing with essential oils


Is bodily injuries and property damage the only exposure covered by general liability insurance? The answer is no. Nowadays, the general liability insurance for aromatherapists and other health practitioners such as reflexologists, chiropractors, and acupuncturists comes with these add-ons:

  • Products and completed operations coverage

  • Advertising injury coverage

  • Rented premises liability coverage

  • Hired/non-owned auto liability coverage 


Public Liability Insurance For Aromatherapists

Public liability insurance covers claims for bodily injuries or property damage. In the USA, this is offered as part of general liability insurance. In the UK, public liability insurance is sold as a stand-alone policy that can be bundled with cyber liability, commercial property, and other business insurance policies. 


Professional Liability Insurance For Aromatherapists 


CoverWallet NEXT HiscoxABMPAlternative BalanceInsureBodywork 
Per occurrence limit $1,000,000$1,000,000$1,000,000$1,000,000$2,000,000$2,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000$2,000,000$3,000,000$3,000,000
Name additional insureds?YesYesYesYes
YesYes
Waiver of subrogation included?YesNoCan be includedNoNoNo
HIPAA coverage included?NoNoNoNoYesYes
Sexual misconduct coverage included?NoNoNoNoYesYes
License defense coverage included?NoNoNoNoYesYes
Deductible $500$500$50/$10,000$1,000$1,000$1,000


Aromatherapists like you owe each client a duty of care. This means that you can be held responsible if a client sustains injuries during a treatment because of mistakes and oversights.  Mistakes and oversights are exposures that general liability insurance can’t cover. 

Since general liability insurance isn’t enough, add a professional liability policy to your aromatherapist insurance package. Use the table above to compare the professional liability insurance of the companies we recommend. 

Professional liability insurance takes care of defense costs, settlements, and court judgments. 

You can use this to cover claims for actual or alleged negligence, violation of good faith, violation of fair dealing, breach of contract, breach of confidentiality, etc. Here are some concrete situations where professional liability insurance is helpful:

  • You failed to ask a client about any existing bodily conditions before conducting the aromatherapy session. As a result, the client displayed problematic reaction to the essential oils used

  • You advised a client to use a particular essential oil to improve asthma. However, there are no medical studies or even proven reports that such essential oil has the desired effect. Because of this, the client filed a claim


Since aromatherapy sometimes involves body contact, professional liability insurance for aromatherapists comes with sexual abuse and molestation coverage. Another inclusion is HIPAA claims coverage that’s useful if you ask clients to give their medical records. 

Compare Aromatherapy Insurance Quotes

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Commercial Property Insurance For Aromatherapists


CoverWalletNEXT (Best)Hiscox
Building coverage limit (minimum)$50,000$260,000$25,000
Contents coverage limit (minimum)$50,000$22,000$25,000
Outdoor signsExcluded$2,500Excluded
Accounts receivable ExcludedExcludedIncluded
Money and securitiesExcluded$2,500Included
Lock and keys Excluded$2,500Excluded
Business interruption floaterExcludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcluded
Inland marine insurance floaterExcludedExcludedExcluded
Employee dishonesty floaterExcluded$5,000Included


An aromatherapy business is one of those businesses that need a commercial space, such as an office, clinic, spa, or healthcare facility, to run well. 

When you own or rent a commercial building as an aromatherapist, it follows that you get commercial property insurance. This is very important as essential oils are flammable and can cause a fire. 

Use the table above to compare the commercial property insurance of companies we recommend. 

Commercial property insurance will recover financial losses and help you continue as if nothing happened if your aromatherapy business’s clinic, office, spa, or healthcare facility gets damaged or destroyed because of:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Weather

  • Lighting

  • Sinkhole collapse

  • Volcanic action

  • Vehicle

  • Aircraft

  • Impact

  • Falling objects

  • Sprinkler leakage


The building isn’t the only property covered by commercial property insurance. Properties such as electric generators, blending sets, diffusers, beakers, office furniture, papers and records,  appliances, and other valuables inside the building are also covered. 

Commercial property insurance isn’t foolproof. It comes with exclusions. It doesn’t grant coverage against commercial losses caused by earthquakes, floods, mudslides, and war. 

Note that if you have multiple aromatherapy businesses, there’s no need to get separate commercial property insurance for each. Most insurance companies allow you to cover multiple business locations in one commercial property insurance policy. 


Aromatherapy Tools And Equipment Insurance


NEXT (Best)ThimbleHiscoxInsureBodyWork
Aggregate limit$5,000/$10,000$2,500/$5,000$5,000/$25,000$2,000
Covers hired and borrowed equipment?$5,000/$10,000$2,500/$5,000NoNo
Miscellaneous equipment also covered?$5,000/$10,000NoNoNo
Offered as an endorsement to general liability insurance?YesYesYesYes
Deductible$500$500$0$500


Blending kits, beakers, diffusers, and other tools you use for aromatherapy can’t only be insured by commercial property insurance. Tools and equipment insurance also takes care of these items. 

Use the table above to compare the tools and equipment insurance of companies we recommend.

Tools and equipment insurance covers costs if something happens to your aromatherapy equipment while they’re in the premises and outside of the premises of your business. Coverage applies when damage, loss, or destruction is caused by:

  • Fire

  • Theft

  • Vandalism

  • Malicious mischief

  • Operator error

  • Impact

  • Electrical shorts

  • Mechanical breakdown


Just like the other policies we previously discussed, tools and equipment insurance also comes with exclusions. It doesn’t provide coverage for the resulting out-of-pocket expenses caused by normal wear and tear. 


Business Owner’s Policy For Aromatherapists


CoverWalletNEXT Hiscox
General liability aggregate limit $2,000,000$2,000,000$300,000
Commercial property coverage limit $50,000$260,000$25,000
Optional policies can be added?YesYesYes
Name additional insureds for free?YesYesYes
BOP discount?YesYesYes


A business owner’s policy is the best option for insuring a growing aromatherapy business. This insurance is basically a combination of general liability and commercial property insurance. That said, a business owner’s policy grants quick and comprehensive coverage against commercial losses and legal liabilities

Use the table above to compare the business owner’s policy of insurance companies we recommend.

To get ahead with the competition, some aromatherapy insurance companies allow their business owner’s policy to have add-ons. For example, NEXT’s business owner’s policy for aromatherapists can be added with workers' compensation insurance with optional employer’s liability coverage. 


Workers Compensation Insurance For Aromatherapists

Consider getting workers' compensation insurance if you employ one or more people. If your associates get injured or sick because of work, workers' compensation insurance will cover the cost of treating them, providing the required medicines, enrollment fees to the rehabilitation center, lost wages, and in case of death, funeral expenses and allowance to dependents. 

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Aromatherapy Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$19$228$0-$500
Professional indemnity insurance$30$360$500-$1,000
Commercial property insurance$40$480$1,000
Business owner’s policy$59$708$1,000
Workers compensation insurance$55$660$2,000-$5,000


The average aromatherapy insurance cost is $19 per month or $228 per year for a $1 million general liability insurance. This assumes that your aromatherapy business has 5 employees and makes $500,000 or less per year. Factors that affect the cost of premiums are:

  • Business history

  • Claims history

  • Number of employees

  • Location

  • Policy limits and deductibles


In connection, here’s another table that shows how much the best aromatherapy insurance companies charge for their $1 million general liability insurance:


Cost per MonthCost per YearBest for
InsureBodywork$8$96Aromatherapy general liability insurance with comprehensive products and completed operations coverage
NEXT$10$120Best overall; Fastest general liability insurance for aromatherapists
CoverWallet$13$156Aromatherapy insurance online quotes comparison
Tivly$15$180Comparing aromatherapy spa insurance quotes over the phone
Hiscox$17$204Aromatherapy insurance with automatic policy renewal
ABMP$19$228Membership-based aromatherapy insurance
Alternative Balance$24.91$298.92Aromatherapy insurance with cyber liability, sexual abuse, and business interruption optional coverages

Compare Aromatherapy Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Best Aromatherapy Insurance Companies

Let’s take a look at the best aromatherapy insurance companies. The reviews below discuss their pros, cons, and cost of a $1 million general liability insurance.  To get the best rates from these companies and other leading ones, click the 'Get Quotes' button, complete the questionnaire that follows, and you will be able to compare quotes and coverage options from them online.


NEXT Aromatherapy Insurance

Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for aromatherapists

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn't find any

NEXT might not provide coverage for aromatherapists online. However, you can call its customer hotline and talk with an agent to get tailored coverage for your aromatherapy business.

NEXT offers three coverage options-basic, premiere, and deluxe. Each has their own features. Basic is a coverage option that only offers a $2 million general liability insurance and $1 million professional liability insurance.

Premiere is a bit more comprehensive and features a $2 million general liability insurance, $1 million professional liability insurance, and $260,000 commercial property insurance. 

Deluxe is the best option as it has all the policies you need for a growing business. It has $2 million general liability insurance, $5,000 tools and equipment insurance, $260,000 commercial property insurance, workers' compensation insurance, and $1 million professional liability insurance. 

Best for: Best overall; Fastest general liability insurance for aromatherapists

Average cost: $10 per month

Our rating: 10/10



CoverWallet Aromatherapy Insurance

Pros

  • Compare aromatherapy insurance quotes online

  • Buy a coverage online or with the help of a representative

  • Cancel your coverage anytime

  • Quickly add an unlimited number of additional insureds in your policy

Cons

  • Not an insurance company but a broker

CoverWallet is an insurance broker that sells the aromatherapy insurance of its partners. This company is a great option for getting numerous quotes in one click. Once you’re done comparing quotes, CoverWallet allows you to buy coverage from its website or finalize your purchase with the help of an agent. 

Best for: Aromatherapy insurance online quotes comparison

Average cost: $13 per month

Our rating: 10/10


Tivly Aromatherapy Insurance

Pros

  • Compare aromatherapy spa insurance quotes over the phone

  • Responsive customer service

  • A partner of NEXT and other reputable insurance companies 

Cons

  • You need to call to get a quote 

Tivly covers aromatherapy clinics and spas with aromatherapy services through its spa insurance package. Policies available are general liability, commercial property, workers compensation, business owner’s policy, and more. Call Tivly now to compare aromatherapy spa insurance quotes over the phone. 

Best for: Comparing aromatherapy spa insurance quotes over the phone

Average cost: $15 per month

Our rating: 10/10


Hiscox Aromatherapy Insurance

Pros

  • Worldwide coverage

  • Automatic policy renewal

  • Policy bundle discounts

Cons

  • Handles claims poorly 

Hiscox doesn’t sell an aromatherapy insurance package online. However, you can talk with an agent who might offer a related insurance package that works for your business. Note that Hiscox allows you to choose between different limits and policy deductibles. Moreover, your policies come with upgrades at an additional cost. 

Best for: Aromatherapy insurance with automatic policy renewal

Average cost: $17 per month

Our rating: 10/10


ABMP Aromatherapy Insurance

Pros

  • Comprehensive coverage for members

  • Covers aromatherapy clinics, professionals, schools, and students

  • Covers highly specialized aromatherapy procedures

Cons

  • Insurance is only given if you’re a member

The Associated Bodywork & Massage Professionals Association offers insurance coverage to its registered members as part of their annual membership dues. This is considered the industry’s go-to option. The cost is higher, but monthly payments are offered and membership comes with many other benefits. Here are the features of ABMP’s aromatherapy coverage:

  • $2 million general liability insurance

  • $2 million professional liability insurance

Best for: Membership-based aromatherapy insurance

Average cost: $19 per month 

Our rating: 9/10


InsureBodywork Aromatherapy Insurance

Pros

  • Offers coverage at an affordable rate

  • Different rates for students and professionals

  • High limit products and completed operations coverage

Cons

  • Policy limits can’t be customized

Recommended by the National Association for Holistic Aromatherapy (NAHA) for its members, this company’s policy is purchased separately from NAHA membership fees. InsureBodywork’s deeply affordable rates make it a popular and attractive choice. Here are the features of this company’s aromatherapy insurance package:

  • $3 million professional liability insurance

  • $3 million general liability insurance

  • $2,000 optional tools and equipment insurance to general liability insurance

Best for: Aromatherapy general liability insurance with a comprehensive product and completed operations coverage

Average cost: $8 per month

Our rating: 9/10


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