Energy Work Insurance
Instant, affordable liability insurance for energy healers.
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Or $96/year. Protection for your healing touch starts here.
Searching for insurance is usually daunting. I found BBI’s website and opened. Everything was easy to understand, and the coverage statement was clear. The website is friendlier than any insurance agent I’ve ever worked with. Well done!
~ Sandra V., Reiki & Energy Healer
What Is Energy Work Insurance?
Energy work insurance is designed to protect your business from liability claims arising from your professional services. Beauty & Bodywork Insurance (BBI)’s policy combines essential general and professional liability insurance to help safeguard your energy work when the unexpected happens.
With liability coverage, restore balance and heal clients confidently, knowing your practice has a financial safety net in place.
Do Energy Healers Need Insurance?
Yes, energy healers need insurance to protect their practice from costly claims. From a client’s slip-and-fall injury in your space to accidental property damage, you face everyday risks as an energy healer. Insurance can help cover the costs of clients’ medical bills or your legal defense, so they don’t all land on you.
What Services Does Energy Work Insurance Cover?
BBI’s energy work insurance covers many energy work and related modalities, including:
For the full list of covered services, see our Who Qualifies page.
What Does Energy Work Insurance Not Cover?
Here’s what your policy is designed to cover and not cover. See your policy for exact coverage and exclusions.
Energy Work Insurance: Covered vs Not Covered at a Glance
| Designed to Cover | Not Covered |
|---|---|
|
Client bodily injury or property damage from a session |
Performing services without proper training or without adding them to your insurance policy |
|
Professional liability (bodily injury caused by your services, technique, or recommendations) |
Diagnosing conditions or prescribing medication |
|
Named modalities, including energy work, Reiki, acupressure, healing touch, and massage therapy |
Sexual misconduct or intentional acts (false claims of sexual abuse may be covered by sexual abuse and molestation coverage) |
|
In-person and remote/virtual sessions |
Injuries you, the policyholder, sustain while practicing energy work |
|
Reactions to oils or tools used during a session
|
Theft or damage of your professional tools and supplies (requires tools and supplies coverage) |
|
Legal defense costs, client medical bills, settlement fees, and damages awarded |
Hypnotherapy, flower essence or herbal therapy, gua sha, ear candling, acupuncture, and other named exclusions |
What’s Included in Energy Healing Insurance?
BBI’s energy healing insurance includes the following coverages in the base policy:
- General Liability Insurance: Designed to cover third-party (clients and others) injury and property damage claims
- Professional Liability Insurance: Can financially protect your practice against lawsuits that claim your services or technique caused a client’s physical injury
- Personal and Advertising Injury: Coverage for advertising mistakes and non-physical injuries (like copyright infringement and slander)
- Fire Legal Liability Coverage: Helps pay for accidental fire damage to a spa booth or other space you rent
- Products and Completed Operations: Built to cover claims related to your services once they’re finished or for products you use during treatments
Add optional coverages for your tools, cyber liability, and more.
How Much Does Energy Healing Insurance Cost?
BBI’s base energy work insurance policy starts at $9.99 per month, with the option to save almost 20% with a $96 annual policy. Your final cost depends on the payment plan you select (monthly or annual) and any optional coverages you add.
Find Balance With BBI’s Coverage
Each policy has coverage specifics, but here are some real claims BBI has covered. With insurance for energy healers, expensive claims don’t have to interrupt your flow.
- $2,300
- $48,000
- $749
-$82,000
- $9,000
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Energy Healing Insurance Made Easy
Purchase a policy online in under 10 minutes and join 70,000+ beauty and bodywork professionals who work with peace of mind, backed by BBI.
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Optional Add-Ons
Everyone’s wellness journey is different, and so is each energy work business. Enhance your policy with our optional add-ons, tailored to how you help clients find balance.
$2 – $5.50 / month
Reimbursement for supplies lost, stolen, or damaged at your facility or on the go
Good for: covering your Reiki tools, sound healing instruments, business tablet, and more
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Coverage for third parties who could be named in a lawsuit against your business
Good for: meeting the requirements of a wellness facility, spa, landlord, or venue
$6.58 / month
Protection for lawsuits due to data breaches or cyber attacks
Good for: energy healers who book clients, accept payments, or store client info online
$35/year | cupping
Coverage for accidents resulting from specialized or higher-risk methods
Good for: energy workers who offer dry cupping treatments
$4.92 – $6.96 / month
SAM Insurance can help pay for your defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Good for: peace of mind that your business and reputation are protected against misinterpretation or false allegations.
Currently unavailable for male massage therapists.
FAQs About Energy Work Insurance
Does Insurance Cover Remote or Online Energy Healing?
Yes, BBI energy work liability insurance covers online energy healing. Protection for your live and pre-recorded sessions is included in your base policy.
Does My Insurance Cover Mobile Energy Healing?
Yes! Your base policy covers mobile businesses, too, so you’re covered at your facility, on the road, in clients’ homes, and more. Just make sure your main business address stays updated in your user dashboard.
Want to cover your supplies against theft or damage while you’re on the move? Adding tools and supplies coverage also protects your gear in transit.
What Insurance Do I Need to Practice Energy Work or Reiki?
While it may not be legally required to practice energy work, carrying liability insurance helps protect your business from expensive claims. BBI’s energy work insurance includes essential coverages in your base policy to help you meet insurance requirements from spa owners and landlords.
Coverage That’s as Grounded as You Are
Here’s what other bodywork professionals say about their experience with BBI.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
