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.
CoverWallet | NEXT (Best) | Hiscox | ABMP | Alternative 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? | Yes | No | Excluded | Included | Excluded | Included |
Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Excluded | Excluded |
Equipment breakdown floater included? | No | Yes | Excluded | Yes | Excluded | Excluded |
Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes | Yes |
Name additional insureds? | Yes | Yes | Yes | Yes | Yes | Yes |
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 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.
CoverWallet | NEXT | Hiscox | ABMP | Alternative Balance | InsureBodywork | |
---|---|---|---|---|---|---|
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? | Yes | Yes | Yes | Yes | Yes | Yes |
Waiver of subrogation included? | Yes | No | Can be included | No | No | No |
HIPAA coverage included? | No | No | No | No | Yes | Yes |
Sexual misconduct coverage included? | No | No | No | No | Yes | Yes |
License defense coverage included? | No | No | No | No | Yes | Yes |
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.
Get all the best quotes from leading providers in a click of a button!
CoverWallet | NEXT (Best) | Hiscox | |
---|---|---|---|
Building coverage limit (minimum) | $50,000 | $260,000 | $25,000 |
Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000 |
Outdoor signs | Excluded | $2,500 | Excluded |
Accounts receivable | Excluded | Excluded | Included |
Money and securities | Excluded | $2,500 | Included |
Lock and keys | Excluded | $2,500 | Excluded |
Business interruption floater | Excluded | Included | Included |
Equipment breakdown floater | Excluded | Included | Excluded |
Inland marine insurance floater | Excluded | Excluded | Excluded |
Employee dishonesty floater | Excluded | $5,000 | Included |
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.
NEXT (Best) | Thimble | Hiscox | InsureBodyWork | |
---|---|---|---|---|
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/$5,000 | No | No |
Miscellaneous equipment also covered? | $5,000/$10,000 | No | No | No |
Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
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.
CoverWallet | NEXT | 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? | Yes | Yes | Yes |
Name additional insureds for free? | Yes | Yes | Yes |
BOP discount? | Yes | Yes | Yes |
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.
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.
Cost per Month | Cost per Year | Deductible | |
---|---|---|---|
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 Month | Cost per Year | Best for | |
---|---|---|---|
InsureBodywork | $8 | $96 | Aromatherapy general liability insurance with comprehensive products and completed operations coverage |
NEXT | $10 | $120 | Best overall; Fastest general liability insurance for aromatherapists |
CoverWallet | $13 | $156 | Aromatherapy insurance online quotes comparison |
Tivly | $15 | $180 | Comparing aromatherapy spa insurance quotes over the phone |
Hiscox | $17 | $204 | Aromatherapy insurance with automatic policy renewal |
ABMP | $19 | $228 | Membership-based aromatherapy insurance |
Alternative Balance | $24.91 | $298.92 | Aromatherapy insurance with cyber liability, sexual abuse, and business interruption optional coverages |
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
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
Compare aromatherapy spa insurance quotes over the phone
Responsive customer service
A partner of NEXT and other reputable insurance companies
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
Worldwide coverage
Automatic policy renewal
Policy bundle discounts
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
Comprehensive coverage for members
Covers aromatherapy clinics, professionals, schools, and students
Covers highly specialized aromatherapy procedures
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
Offers coverage at an affordable rate
Different rates for students and professionals
High limit products and completed operations coverage
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
Terrible customer service. I got this insurance for my Amazon store when I ran one, took a break and cancelled all my subscriptions. I called these guys and they recommended sending an email. They never responded and have been charging me since then. Definitely going to dispute via the bank. Hate when businesses take advantage of other small businesses for their own gain.
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another. Every conversation had an under lying tone of me being dishonest. Finally I just gave up with them and filed a despite with my bank which took all of three days.. So now I'm continuing to receive emails that my policy is past due and will be cancelled. Funny, I was told I didn't have a policy because they couldn't locate it.
Purchased the General Liability policy I needed to fulfill a contract for my hiring party. Simply Business made it very easy to complete an application and review multiple quote options. Ended up purchasing a policy for 1/2 of what I originally was told by my agent.
I insured my small business with them from early 2016 to January 2022. I had a workman's compensation policy with them the entire time for my staff of approximately 10 people which fluctuated up and down minimally over the years. We ran a very safe operation and never had so much as one claim. I sold my business in early 2022 and cancelled my policy which triggered a final audit of $2871.00 which was owed back to me. Of course I dissolved my LLC immediately after selling the business and thus closed my bank checking account at the advise of my accountant. Though my name was on the business policy, Employers Preferred Insurance Company refused to issue a check to me directly as the policy holder due to...you guessed it, policy. Long story short, if you sell your business keep a small amount deposited in the checking account because it's almost a guarantee that companies such as Employers will use their policy to weasel their way out of money owed after the dissolution of a business. I should have known that I would be treated a just another number shortly after I signed with them as the sales agent just disappeared after I was set up for an online account to manage my policy. My next business venture will entail me working with an actual insurance agent who has an office in an actual brick and mortar building!
Long term insurance claim denied for my mother after 31 years of paying. Please never give this company a dime. You will not get your money back!