Aromatherapy involves the therapeutic use of scents, mainly through essential oils, to improve an individual’s well-being and sense of psychological health. An alternative medical practice, professionals who offer aromatherapy are known as aromatherapists. Aromatherapists can receive professional certification through industry-governing bodies and can participate in nationally and internationally recognized associations devoted to the promotion and improvement of aromatherapy and its techniques.

An ancient practice steeped in the quiet meditativeness of common-sense approaches to life, aromatherapy is also a professional business that needs to consider the marketplace context of its operations. Negative and unintentional effects on clients or their property can result in unfortunate cases of court action and financial jeopardy. It is important that proper consideration be given to aromatherapy insurance. Specifically, insurance for aromatherapists, similarly to holistic, complementary and alternative therapy insurance like reflexology insurance, chiropractor insurance, acupuncturist insurance, hypnotherapy insurance , massage therapy insurance and even physical therapy insurance , must be considered carefully.

Aromatherapy Liability Insurance

Every business or medical practitioner must have Commercial General Liability insurance coverage and we will discuss this overarching policy in more detail later. But not everyone realizes that Aromatherapy Liability Insurance is a separate and essential policy for aromatherapist insurance coverage. Fortunately, there are several programs that combine these two essential insurance components into one package.

Industry-specific coverage contains two basic elements which provide insurance for aromatherapists plus protection for the business as a whole and the patient/client:

Aromatherapy Liability Insurance
Commercial General Liability Insurance

Let’s look at the items covered by each type of policy:

Aromatherapy Liability Policy	Commercial General Liability Policy
Public liability coverage against accidental injury to clients or their property during professional acts Products liability coverage in case of injury or damage following use of products during treatment Medical malpractice coverage against accusations of error or omission, including legal and settlement costs	Insurance against bodily injury, personal injury and property damage caused by business operations Coverage for others contracted as “additional insured” Advertising injury Personal injury (such as accusations involving slander or libel) Any non-professional negligent act

Other coverage that can be obtained from the insurance provider through separate policies, riders or endorsements are:

Sexual Abuse Liability
Cyber Liability
Commercial Auto Insurance
Rented Premises Damage (check your policy as this is sometimes included in Commercial General Liability)
Commercial Property Insurance

It is important to stress that aromatherapy liability insurance is just one form of aromatherapy business insurance. Every aromatherapist should take care to ensure that they have the types of reflexology insurance policies that they business wants to be covered with in place, in addition to any extra reflexologist insurance policies or coverage they might need based on their individual circumstances. If you are unsure of what reflexology insurance coverage you need or the appropriate levels of reflexology business insurance, consider contacting a business insurance broker who is familiar with providing evaluation assistance to those working in the aromatherapy and alternative medicine fields.

Aromatherapy Insurance Cost

The average aromatherapy insurance cost is about $33 per month or $396 per year for standard general liability insurance for aromatherapists.

To get the best rates, compare aromatherapy insurance quotes online by clicking the 'Get Quotes' button and completing the questionnaire that follows.

There are several easy-to-find sources of comprehensive insurance for aromatherapists. Let’s take a closer look at the aromatherapy insurance cost associated with each option, as well as some of the value-added benefits included in the various policy options.

ABMP: $229 annual membership fee (monthly budget $19)

Provides additional non-insurance related member benefits

NACAMS: $179 annual premium (monthly budget $15)

Free newsletter and online networking marketing

Alternative Balance: $269 annual premium (monthly budget $23)

Additional cost for more than one practitioner

InsureBodywork : $96 annual premium (monthly budget $8)

Includes damage to rented premises coverage

Lockton Affinity: premium quotation requires business-specific data

Discount for National Association for Holistic Aromatherapy (NAHA) members

The level of insurance coverage, annual aggregate payout maximum and other variables should also be taken into consideration. Ease of purchase might also be a factor when deciding which aromatherapy business insurance product to choose. Let’s consider a few more issues and compare the alternatives:

	Per Incident Payout Max	Annual Aggregate Payout Max	Online Purchase	Other Information
ABMP	$2M	$6M	yes	Monthly payment plan is available
NACAMS	$2M	$3M	yes	Stolen Equipment coverage included
Alternative Balance	$2M	$3M	yes	Sexual Abuse and Cyber Liability coverage additional $149/ea per year
InsureBodywork	$2M	$3M	yes	$30 for unlimited Additional Insured parties
Lockton Infinity	Requires business-specific quotation	Requires business-specific quotation	yes	Widely endorsed global insurer

Best Aromatherapy Insurance Companies

Obtaining aromatherapy liability insurance may seem confusing, so let’s take a look at where to best aromatherapy insurance companies to get these policies from. 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.

ABMP Aromatherapy Insurance

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.

Alternative Balance Aromatherapy Insurance

The most expensive choice among those favored by industry professionals, Alternative Balance should be considered as an option for those who want to find their entire insurance portfolio needs in one supplier. Supplementary policies are easily arranged, with a wide array of specific policies available. Like seeking out competitive quotations through an insurance broker, Alternative Balance is open-market in nature and does not tie its products, coverage levels, premiums or inclusivity to specific industry-governing organizations.

InsureBodywork (Beauty and Bodywork Insurance Program “BBI”) Aromatherapy Insurance

Recommended by the National Association for Holistic Aromatherapy (NAHA) for its members, this policy is purchased separately from NAHA membership fees. BBI’s deeply affordable rates make it a very popular and attractive choice.

Aromatherapy is based on the principle of creating wellness through environmental elements. Through inhalation and topical application, essential oils from plants are used to improve health, beauty and general well-being. As wonderful as alternative therapies can be, there is also a practical reality to the contemporary business environment of their operations.

Armed with excellent information and quality industry sources, aromatherapy practitioners can now arrange for their business insurance needs with confidence. If a policy is purchased online, a comprehensive policy and coverage review is a good idea, keeping in mind the various other insurance transactions business stakeholders might require annually (i.e. vehicle, home, business income loss, cyber security, workers’ compensation and other insurance products). With good information and adequate protection, you can rest in the holistic wellness your well-run practice provides to you, your family and your patients.

Sources:

https://en.wikipedia.org/wiki/Aromatherapy

https://naha.org/membership/benefits/