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As a practitioner of holistic or complementary you work closely with clients, so you’re responsible for providing them with remedies to alleviate physical or mental ailments. As a result, you may be vulnerable to different legal liability suits and from serious allegations to minor slip and falls. Whatever the case, a lawsuit with or without merit can cause financial and professional strain on a practitioner. That’s why you need an insurance policy that has the right coverage in place to protect you and your practice.
Apply / Renew (ineedapolicy) 1-877-768-2262
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BrokerLink offer a wide range of insurance coverage options for holistic and complementary health practitioners, including:
Acupuncture
Traditional Chinese Medicine
Tai chi
Yoga
Massage therapy
Aromatherapy
Personal trainer
Pilates
Osteopathy
Body movement therapy
Meditation
Nutritional consultant
Intolerance elimination
Fitness instructor
Bioenergetics
Kinesiology
Reiki
Qigong
Electromagnetic therapy
Art therapy
Esthetics
Life Coach
Sleep Consultant
The coverage in your holistic complementary business insurance policy will vary based on your practice and needs, but you can generally expect it to protect your business from day-to-day risks, including malpractice, third party bodily injury, third party property damage, and theft. More detailed descriptions follow – all are subject to policy the wordings included:
Professional liability insurance: sometimes referred to as malpractice insurance or errors and omissions insurance, this is extremely important for holistic and complementary medical professionals. This type of coverage can pay for legal fees if a claim of negligence, error, omission, misconduct, or failure to deliver an advertised service is brought against you or your practice, regardless of the lawsuit’s outcome. For example, a customer may sue their Aromatherapist for treating them with an essential oil that results in an allergic reaction. If a lawsuit is brought against you, even if you are innocent, you would need to defend yourself, which can be expensive. But if you include professional liability coverage with your policy, your insurance company would cover the costs up to the policy limit.
Commercial general liability insurance: Commercial general liability insurance, sometimes referred to as “slip-and-fall insurance” protects against the day-to-day risks that come with operating a business in Canada. Under this type of coverage, you will be compensated if a claim of third-party property damage or bodily injury is brought against you or your business. Specifically, insurance providers may cover the cost of medical expenses, repairs, and legal or court fees. For example, if a customer slips and falls on a wet floor in your chiropractor's office, they could sue you. But with commercial general liability insurance, legal and medical expenses (not covered by the claimant’s health insurance) would be covered by your insurance company.
Cyber liability insurance: If your practice uses a computer to store confidential customer information (ranging from medical information to financial information), then you should include cyber liability insurance. Under the cyber liability portion of your policy, your insurance provider would cover the costs associated with a hack or cyberattack, such as credit monitoring, crisis control, and notifying clients.
Without the coverage described in place, any of the above scenarios could cost thousands of dollars to fix. But having the right policy can help pay for the costs associated with property damage repairs, lawsuits, cyberattacks and more.
Employ good communication – your clients should be "in the know” when coming to the clinic for the first time.
Walk them through what to expect. Will there be any side-effects to the treatment plan you have created for them?
Set realistic expectations. Clients may expect to be cured of their ailments after a few visits.
Ensure furniture and equipment are in working order.
Good housekeeping standards will minimize any general liability claims. Ensure equipment and furniture are checked regularly. This could be something as simple as the chairs in your waiting room! Due diligence on the part of the clinic owner and practitioner will be the best prevention.
Thorough note taking and record-keeping is also essential in today’s busy world. Not only does it ensure you are up to date on the services rendered a patient – but the patient can take comfort in your level of professionalism.
Contact us today we will send you a quote that is competitive, with no obligation. Simply email your certifications and a brief description of your business platform, and we will email you a quote and a direct link to our online platform that you can use to apply for the policy. You can also call any of our brokers in the Complementary Heath Department to discuss your business needs. They are fully trained to specialize and understand the Complementary health modalities and practices.
Contact us for a free quote today!
Get a quote (ineedapolicy) 1-877-768-2262
Do I need a professional liability insurance policy for my holistic complementary health practice?
Though not a legal requirement, experts recommend that all businesses in Canada, including holistic and complementary health businesses, have professional liability insurance. This is due to the high level of protection it offers. With professional liability coverage, your insurance company will cover medical expenses, property damage expenses, and even legal expenses, in the event that a claim of negligence, error, omission, misconduct, or failure to deliver an advertised service is brought against you.
Do I need to buy holistic complementary insurance from an insurance company?
Practitioners of holistic or complementary health may choose to purchase insurance directly from an insurance provider. However, you can also do so through an insurance broker. Working with an insurance broker offers many benefits, such as having an unbiased insurance expert at your fingertips, day and night. Plus, insurance brokers do all the work for you, comparing quotes on your behalf to help you find the best coverage at the lowest rate.
How much does holistic complementary health insurance cost?
The cost of holistic complementary health insurance varies greatly. This is because insurance companies consider many factors when calculating insurance premiums. For example, the location of your practice, the specific services offered, the years of experience and training you possess, the annual and projected revenue of your practice, the number of employees at your practice, and your insurance claims history, can all impact how much your insurance will cost. Since each practitioner’s business is unique, the best way to find out how much holistic and complementary business insurance will cost is to get in touch with your insurance broker.
