Energy Work Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
BBI Is the Coverage You Need
Helping clients find balance and healing is what you do – but who helps you when something goes wrong? From a client falling in your facility to discomfort after treatment, legal claims and medical bills can harm your business’s financial wellness. That’s where Beauty & Bodywork Insurance (BBI) comes in for peace of mind.
You deserve to heal confidently. Energy healing insurance provides healers from Reiki masters to healing touch practitioners with protection from the specific legal claims you face. Not sure what you need? We’re here to remove blocks to understanding and managing your policy with simple online coverage you can customize to fit you perfectly.
Keep your business healthy and your mind at ease with these BBI benefits:
- Excellent-rated carrier
- Fully customizable policy
- High coverage at a low cost
- 24/7 online policy management
- Quick, easy claim-filing process
- Coverage that goes where you go
- Industry-preferred occurrence coverage*
- Meet salon or spa requirements with COI
- Licensed support agents waiting to help you
- Licensed support agents waiting to help you
*If you purchased your policy after July 1, 2024, your policy is an occurrence-based policy. If you purchased or renewed your policy before July 1, 2024, your policy is a claims-made policy and is eligible to become an occurrence-based policy after July 1, 2025.
What Services Does Energy Work Insurance Cover?
Get your most requested energy treatments covered with BBI, including these services:
What Insurance Does an Energy Worker Need?
Your business rests on your expertise to get energy flowing in the right direction. If mistakes or accidents happen, insurance guards you from paying for legal claims out of pocket.
Energy workers need general liability insurance for common claims like slips and falls or property damage. And professional liability coverage for your services and advice is just as crucial.
BBI’s energy work liability insurance is tailored to include these essential coverages for energy workers in your base policy:
- General Liability Insurance: coverage for third-party (clients and others) injury and property damage claims
- Professional Liability Insurance: protection against lawsuits that claim you gave bad advice, made a mistake, or that a client is unhappy with your services
- Personal and Advertising Injury: coverage for advertising mistakes and non-physical injuries (like copyright infringement and slander)
- Fire Legal Liability Coverage: protection against paying for accidental fire damage to a spa booth or other space you rent
- Products and Completed Operations: coverage for your services once they’re finished or for products you use during treatments
How Much Does Energy Healing Insurance Cost?
Our base energy work insurance policy costs $9.99/month, with the option to save almost 20% if you pay upfront with a $96 annual policy.
BBI only insures beauty and bodywork professionals, so we understand the ins and outs of your industry. Our tailored policy balances high coverage limits with an affordable price by targeting just the coverages you need.
Optional Add-Ons
But what if you have needs outside the typical energy worker? Just like everyone’s wellness journey is different, we believe in supporting what makes your business unique. These optional add-ons customize your coverage for a just-right fit:
$2/month + options for more coverage
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
$15/year | one additional insured
$30/year | unlimited additional insureds
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
$403/year | acupuncture
Coverage for accidents resulting from specialized or higher-risk methods
Good for: energy workers who offer dry cupping or acupuncture treatments
Release Those Worries, You’re Covered
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.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
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.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Applying for Energy Work Insurance Made Simple
It really is this easy. Our quote-free insurance application guides you through the process to get protected and back to your day in minutes.
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.
FAQ About Insurance for Energy Healers
Why Do I Need Energy Work Insurance?
Energy work insurance is necessary to protect your business from shouldering the cost of lawsuits like slip and fall injuries or malpractice. Energy treatment results vary widely – it’s just part of your field – but clients who have negative reactions or didn’t get the expected results can hold you legally and financially responsible.
Your insurance (instead of your business) can cover medical bills, court fees, settlements, and other costs and get you back on your healing journey.
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?
You’re in Good Hands.
Here’s what other beauty and bodywork professionals have to say about their experience.
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