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Complementary, Holistic & Alternative Therapy Insurance

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!

Alternative therapy, holistic, and complementary therapy insurance is a packaged insurance program made especially for massage therapists, aromatherapists, dance therapists, drama therapists, art therapists, music therapists, and other professionals. Read this guide to:

  • Know the cost of insurance for complementary, holistic, and alternative therapists

  • Compare the quotes of different insurance policies you need

  • Learn which companies offer comprehensive coverage at reasonable rates

How Much Do Holistic, Complementary, And Alternative Therapists Pay For Insurance?

The table below outlines the cost of insurance policies that complementary, holistic, and alternative therapists need:


Cost per MonthCost per Year
General liability insurance$26$312
Professional liability insurance$39$468
Workers compensation insurance$44$528
Commercial property insurance$30$360
Business owner’s policy$27$324
Commercial auto insurance$46$552


Complementary, holistic, and alternative therapists pay $26 per month or $312 per year for a $1 million general liability insurance. This is an estimate for a business profile with 5 employees and a $500,000-$750,000 revenue. 

In connection, here’s another table that shows the cost of the best insurance companies for holistic, alternative, and complementary therapists:


Cost per MonthCost per YearBest for
NEXT$17$204Fastest general liability insurance for alternative, holistic, and complementary therapists
CoverWallet$21$252Complementary, holistic, and alternative therapy insurance online quotes comparison
Thimble$25$300General liability insurance for holistic speech therapists
Hiscox$27.16$325.92General liability insurance with worldwide coverage
CM&F$32$384Professional liability insurance for holistic, complementary, and alternative therapists

Compare Complementary Therapy Insurance Quotes

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

General Liability Insurance For Holistic, Complementary, And Alternative Therapy


CoverWallet NEXT (Best)ThimbleHiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Products and completed operations aggregate limit $2,000,000
$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$100,000$1,000,000
Tenant’s legal liability coverage limit $300,000/$1,000,000$300,000$100,000$100,000
Waiver of subrogation included?YesNoIncludedCan be included
Hired/non-owned auto liability coverage included?YesNoExcludedCan be included
Equipment breakdown floater included?No YesIncludedCan be included
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes
YesYes
Deductible$0$0$0$0


You never know when accidents will happen in the premises of your business. People who sustained injuries or property damage can hold you liable and demand compensation for medical treatment, pain, and suffering. 

Buy general liability insurance and protect yourself against this exposure. Use the table above to compare the quotes of general liability insurance for complimentary, holistic, and alternative therapists. 

100% of therapists get general liability insurance. This kicks in when a client, independent contractor, visitor, or any other third party holds your business liable for their bodily injuries or property damage. It provides the money you can use to cover:

  • Medical treatments

  • Reimbursements for property damage

  • Settlements

  • Defense costs

  • Court judgments


Common risks covered by this insurance for complementary therapists, holistic therapists, and alternative therapists are:

  • Slip and falls

  • Injuries or property damage caused by broken chairs, tables, doors, or cracked flooring

  • Clients tripping over a cord or any other object on the premises of your business

  • Bodily injuries or property damage caused by a product or equipment a client is using during a therapy session 


Aside from accidents that result in bodily injuries or property damage to clients, general liability insurance will also protect you against:

  • Copyright infringement, slander, and libel claims

  • Property damage claim filed by the landlord 

  • Liability over accidents that an auto you borrowed or hired caused


Professional Liability Insurance For Complementary, Holistic, And Alternative Therapy


CoverWallet NEXTThimbleHiscoxCM&F 
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$250,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$250,000/$2,000,000$3,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoNoNoNo
HIPAA coverage included?NoNoNoNoYes
Sexual misconduct coverage included?NoNoNoNoYes
License defense coverage included?NoNoNoNoYes
Deductible $500$500$500$500$500-$1,000


Clients can file a claim if the services you provided fall below the expected standards. Much worse, they can even accuse you of violating the usual standard of care that every holistic and alternative therapist should follow. 

Protect yourself against such risks by adding a professional liability policy to your complementary, alternative, and holistic therapy insurance plan. 

Use the table above to compare the quotes of professional liability insurance for alternative, complementary, and holistic therapists.  

67% of complementary and holistic therapists purchase professional liability insurance. Professional liability insurance grants the money you can use to cover defense costs, settlements, and court judgements when a claim is filed for:

  • Negligence

  • Misrepresentation

  • Violation of good faith

  • Violation of fair dealing

  • Improper therapy techniques

  • Inaccurate advice 


Some insurance companies that underwrite highly tailored complementary, holistic, and alternative therapy insurance plans allow a professional liability policy to also cover:

  • Sexual misconduct

  • HIPAA violation claims

  • Investigation and lawsuits filed by licensing boards 


Commercial Property Insurance For Alternative, Holistic, And Complementary Therapy Clinics


CoverWalletNEXT (Best)Hiscox
Building coverage limit (minimum)$50,000$400,000$25,000
Contents coverage limit (minimum)$50,000$35,000$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


Commercial property insurance can be added to complementary, alternative, and holistic therapy insurance bundles if you own or lease a commercial building that’s used as a clinic.

Use the table above to compare the quotes of commercial property insurance from the recommended companies. 

Commercial property insurance for holistic therapists reimburses losses if the clinic gets destroyed or damaged because of:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Riot

  • Malicious mischief

  • Volcanic action

  • Sinkhole collapse

  • Aircraft

  • Vehicle

  • Lightning

  • Winds

  • Snow

  • Rain

  • Falling objects

  • Sprinkler leakage


The coverage of commercial property insurance also applies to business equipment, such as computers, therapy chairs, and beds, that got damaged or lost within the business premises due to fire, theft, and other perils we mentioned above.

Though this doesn’t happen all the time, your commercial property insurance for holistic health practitioner can have these floaters or endorsements:

  • Equipment breakdown

  • Inland marine

  • Customer property coverage


Remember that commercial property insurance doesn’t grant coverage against business property damage or loss as a result of mudslides, landslides, floods, or war. 


Business Owner’s Policy For Alternative, Complementary, And Holistic Therapists


CoverWalletThimble (Best)NEXT Hiscox
General liability aggregate limit $2,000,000$2,000,000$2,000,000$2,000,000
Commercial property insurance aggregate limit $50,000$500,000$400,000$100,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


Holistic and complementary therapies insurance packages allow you to get a business owner’s policy. This is a good option if you don’t know which policies to add to your insurance plan and don’t have the time to talk with a consultant. 

So what is a business owner’s policy? A business owner’s policy is a combination of general liability insurance and commercial property insurance-two of the most essential policies that alternative, holistic, and complementary therapists need. 

What makes a business owner's policy good is that its cost is 2%-5% cheaper than when you bought commercial property insurance or general liability insurance individually.  Moreover, it’s easier to manage too. 

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


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Commercial Auto Insurance For Complementary, Holistic, And Alternative Therapy 

Do you provide in-house therapy sessions and drive a car to reach clients who booked your services? If this is the case, consider having a commercial auto insurance aside from personal auto insurance. 

Commercial auto insurance grants the protection you need while using a vehicle for work. This policy in complementary and alternative therapies insurance will:

  • Cover medical treatments and reimbursements if third parties got involved in a vehicular accident you caused

  • Account for parts repair or replacement expenses if your vehicle got damaged because of a collision, fire, theft, vandalism, and other covered perils

  • Pay for your medical treatment after you got involved in an accident caused by an uninsured/underinsured driver

  • Reimburse vehicle rental fees

  • Cover the replacement costs if any equipment attached to the car you use for work, such as trailers, trolleys, and others, gets damaged 


You can’t use commercial auto insurance as coverage for vehicular accidents that result from criminal activities such as drunk driving, driving with no license/expired license, and others. 

Moreover, it can’t take care of costs if your car got damaged because of rollovers, sinkhole collapse, and normal wear and tear. 


Workers' Compensation Insurance For Complementary, Holistic, And Alternative Therapy Clinics 

It’s important to cover the employees of your alternative and holistic therapy clinic. Don’t do this, and they might sue you for work-related injury or diseases. 

Workers' compensation, aside from group health insurance, is a handy policy for covering costs when something happens to your employees. 

100% of holistic therapists purchase workers' compensation insurance. Here are some situations where this can help:

  • An employee slips and falls

  • An employee gets hurt by a defective equipment

  • An employee contracts a blood-borne disease

  • An employee gets involved in a vehicular accident while traveling to meet a client


So how does this insurance function? Workers' compensation insurance covers these costs on behalf of your business:

  • Medical treatment

  • Hospitalization

  • Medication

  • Rehabilitation and retraining

  • Lost wages

  • Funeral expenses and allowance to dependents in case of death


Most states in the USA grant an exclusive remedy to alternative, holistic, and complementary therapy clinics that have workers' compensation insurance. 

Aside from covering costs, workers' compensation insurance also protects your business by granting immunity against some employment-related claims. 

You’re required to get workers' compensation insurance as soon as you have one or more part-time and full-time employees. Failure to get this type of holistic practitioner insurance will result in hefty fines and penalties. 


Employer’s Liability Insurance 

Your worker's compensation insurance can have employer’s liability insurance as an automatic or optional add-on. 

Employer’s liability insurance grants protection if an employee’s claim against you for occupational injury or disease pushes through.

This grants a $100,000-$5 million worth of coverage you can use to cover defense costs, settlements, and court judgments. 

Compare Complementary Therapy Insurance Quotes

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

Best Holistic, Complementary, And Alternative Therapy Insurance Companies 

These are the best companies to consider working with. Read to know their pros, cons, and rate for a $1 million general liability insurance. 


NEXT Alternative Healing 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 holistic and alternative therapists

  • 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 grants protection through its alternative healing insurance program that offers three coverage options-basic, deluxe, and premiere. 

The basic coverage option is the cheapest. You only get a general liability policy from this, which has a $1 million per occurrence and aggregate limit. 

We suggest you spend more on premiums and go for deluxe instead. Deluxe offers comprehensive coverage. You can get workers' compensation insurance, general liability insurance with floaters, and commercial property insurance from this. Professional liability insurance can be added if you talk with a representative. 

Best for: Best overall; Fastest general liability insurance for alternative, holistic, and complementary therapists 

Average cost: $17 per month 

Our rating: 10/10


CoverWallet Complementary, Holistic, And Alternative Therapy Insurance

Pros

  • Compare quotes online for free

  • Easy policy management

  • Non-owned/hired auto liability coverage included in general liability insurance

  • Cancel your coverage anytime for free

Cons

  • Not an insurance company but a broker

CoverWallet’s insurance program for holistic, alternative, and complementary therapists consists of general liability insurance, workers compensation insurance, commercial property insurance, and other business insurance policies of its partners. 

Though it’s just a broker, CoverWallet allows you to manage policies, get certificates of insurance, and pay premiums online through its online app.

To start a quote, use CoverWallet’s online quotes comparison tool and provide some information about your business. The company will then show the coverage options with the most reasonable rates. 

Best for: Complementary, holistic, and alternative therapy insurance online quotes comparison 

Average cost: $21 per month 

Our rating: 10/10


Thimble Holistic, Complementary, And Alternative Therapy Insurance

Pros

  • Numerous floaters can be added to general liability insurance

  • Issues a quote quickly online

  • Choose policy limits and deductibles

Cons

  • You can’t reach customer service by calling 

You might get coverage from Thimble if you’re a complementary speech therapist. Policies you can get from this company are general liability and workers compensation insurance. You can call a representative online if a professional liability coverage can be added. 

Thimble allows you to choose between policy limits and deductibles. Moreover, you can customize your general liability insurance by adding customer property coverage, equipment breakdown, and cyber insurance floaters to it.

Best for: General liability insurance for holistic speech therapists

Average cost: $25 per month

Our rating: 9/10


Hiscox Holistic, Alternative, And Complementary Insurance

Pros

  • Fast to process claims

  • Online claims resources

  • Worldwide coverage

  • 14-day money-back guarantee

  • Automatic policy renewal 

Cons

  • Workers' compensation and commercial auto insurance are offered with a partner 

Hiscox has separate insurance programs for holistic and complementary dance therapists, art therapists, drama therapists, and other related professionals. Inclusions can include business owner’s policy, general liability insurance, professional liability insurance, and cyber liability insurance. 

Workers' compensation insurance and commercial auto insurance aren’t included in the package. However, you can still get quotes for these policies by working with Hiscox’s partner, CyberPolicy. 

Best for: General liability insurance with worldwide coverage

Average cost: $27.16 per month

Our rating: 9/10


CM&F Complementary, Alternative, And Holistic Therapist Insurance

Pros

  • Comprehensive professional liability insurance

  • Different rates for students and professionals

Cons

  • Membership is required to get covered 

CM&F provides coverage to professional and intern complementary art therapists and dance therapists. Policies that you can get from this company are general liability and professional liability. CM&F’s professional liability insurance has sexual abuse, license defense, and HIPAA floaters. 

Best for: Professional liability insurance for holistic, complementary, and alternative therapists

Average cost: $32 per month

Our rating: 8/10


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