Bowen Therapist Insurance
Ensure your Bowen therapy practice is covered with tailored, trusted insurance.
Overview
Providing gentle, hands-on care to support muscular and skeletal health is at the heart of your work as a Bowen therapist. Yet, regardless of your experience, unexpected issues can arise. A client may dispute the effectiveness of your treatment or claim your advice caused further harm. Insurance for Bowen Therapists helps protect your career, reputation, and business from legal or financial claims.
Our insurance solutions are backed by leading insurers and tailored for Bowen practitioners. Whether you work in a clinic, offer mobile services, or consult from home, you’re covered with protection designed for the specific risks of your profession.
Types of Coverage Available
Bowen Therapist Insurance combines Public Liability Insurance, Professional Indemnity Cover and Product Liability Insurance to protect your practice from a wide range of potential claims.
Why Do Bowen Therapists Need Insurance?
Even with gentle and non-invasive techniques, Bowen therapy carries a level of risk. A treatment could unintentionally aggravate an existing condition, or a client may allege that your advice led to further harm. Without insurance, defending your practice against these types of claims can be financially and emotionally draining.
Insurance provides peace of mind, helping protect you from costly legal expenses and compensation claims. It allows you to continue focusing on helping your clients heal while knowing your business is shielded from potential setbacks.
Who Needs Bowen Therapist Insurance?
Bowen Therapist Insurance is essential for a wide range of practitioners, including:
- Registered Bowen therapy professionals
- Mobile Bowen therapists offering in-home treatments
- Home-based or clinic-based practitioners
- Complementary health clinics providing Bowen therapy services
- Freelance therapists working under contract
If you offer Bowen therapy in any form across Australia, having professional insurance is key to protecting your livelihood and maintaining your professional integrity.
Common Claims and Scenarios
Bowen practitioners can encounter various insurance claims during their practice, including:
- A client alleges their condition worsened after treatment
- An allergic reaction occurs from a topical product
- Accidental bodily injury during manual therapy
- Claims that advice or guidance caused harm or confusion
Why choose us?
We are a trusted, reliable, and professional insurance broker dedicated to providing insurance solutions for natural therapy practitioners
Dedicated in-house claims support
Instant Certificates of Currency
Local team of insurance specialists
Over 35 years of industry experience
Frequently Asked Questions
While insurance is not legally required for all Bowen therapists, it is strongly recommended and often essential for professional practice. Many professional associations, such as the Bowen Association of Australia (BAA), require members to maintain appropriate insurance coverage as part of their membership criteria.
Several factors determine the cost of Bowen therapy insurance, including:
- Experience and qualifications – More experience often means more clients and higher risk.
- Scope of services – Offering other therapies or selling products can increase costs.
- Practice size – Larger premises or higher client volume may raise your premium.
- Location – Insurance rates can vary by region.
- Claims history – Your past claims record may influence your premium, with fewer or no claims generally resulting in lower costs.
Your insurance broker can provide a tailored quote based on your specific circumstances.
Yes, student Bowen therapists can obtain insurance coverage, typically through insurance providers that offer specialised student policies. These policies are tailored to cover students in training, including during supervised practical sessions.
Yes, even if you practice Bowen therapy from your home, insurance is highly recommended. Home-based practices are still subject to the same risks as any other therapy setting, including client injuries, treatment errors, and product liability claims.
We are here to help
For more information on how Natural Therapies Insurance can protect your practice, our friendly team of brokers is ready to help. Whether you have questions about a policy, need assistance with a claim, or want advice on managing risks, we’re here to support you.
Optional Coverage
When written on an occurrence basis, the policy that responds to a claim will be the policy you had in place at the time of the incident. So if you claim now for an
incident/client you provided a therapy to in 2023, the policy from 2023 is the one that would respond if it is written on an occurrence basis.
When written on a claims-made basis, the policy that responds to a claim will be the policy you currently have in place at the time you make the claim. So if you
claim now for an incident/client you provided a therapy to in 2023, the policy you have now (in 2025) will be the one that responds if it is written on a claims-made basis.
The Medicines Wording for Natural Therapies is written entirely on an occurrence basis, even the Professional Indemnity.
In normal cases, Professional Indemnity is usually written on a claims-made basis which includes a Retroactive Date. If you currently have a policy on a claims-made basis, the Retroactive Cover will extend our policy to respond to claims from previous years so that there is no gap in cover when you move to our Natural Therapies product. It adds a retroactive date which allows our policy to cover claims from incidents/clients you provided therapies to even before you had insurance through us, as early as the retroactive
date specified.
Even with the Retrospective Cover extension, you may still be required to provide proof that you had insurance at the time of the incident if the incident happened before you had insurance with us.
This cover is subject to all other terms and conditions from your policy schedule and the wording.
In addition to the Defence Costs and Expenses outlined under Sections 1, 2 and 3 on the Medicines wording, the Legal Expenses Section extends this for additional insured events such as certain:
- Employment;
- Employers prosecution defence;
- Contract disputes;
- Property dispute;
- Competition & Consumer Act 2010 dispute;
- Right to practice; and
- Attendance for jury service;
For an aggregate sublimit of $25,000.
This cover is subject to all other terms and conditions from your policy schedule and the wording. It is important to review this section in the policy wording as there are further conditions and exclusions to the above.
Intended to cover portable items/property up to $75,000 total and up to $1,000 per unspecified item. Items over $1,000 can be specified and reviewed on a case-by-case basis. Any electronics (phones, tablets, laptops, etc.) need to be specified in order to be included.
We will pay, acting reasonably having regard to the relevant circumstances, the cost of repair, replacement or reinstatement of the Insured Property to a condition substantially the same as but not better or more extensive than its condition when new.
This cover is subject to all other terms and conditions from your policy schedule and the wording. It is important to review this section in the policy wording as
there are further conditions and exclusions to the above.
Fully occurrence-based wording (Medicines wording) means no runoff cover is required for this product. So if the insured ceases trading, they will not need to continue renewing this product.
Over 1,500 modalities.
Competitive rates for sole traders turning over less than $250,000. Also available for companies with employees, no turnover cap per se but we will review case-by-case for $250k and higher.
Special agreed rates for many partnered associations.
Insurance available for training bodies, schools and colleges. Students can also be included under this cover if they are a recognised training body.
Insurance available for students still studying their modalities, special rates.
Binder with Lloyds of London as security means we are open to consider many new and/or complex modalities for the right premium, subject to appropriate levels of experience and qualifications.
Available to Australian and New Zealand clients (note NZ clients cannot be written on SSP, has to be quoted manually, so unsure if you want to include this one).
Automatic cover for market stalls up to $10,000 turnover, though terms, conditions and exclusions apply. Product sales need to be approved.
Product sales can be agreed upon under the policy.