Aromatherapy Insurance: Liability, Cost & Quotes From $5

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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

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 

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. 

Commercial Property Insurance For Aromatherapists

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

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

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. 

Aromatherapy Insurance Cost

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: