Herbalist / Herbal Medicine Practitioner Insurance
Safeguard your herbal medicine practice with customised insurance coverage.
Overview
As a herbalist, your focus is on supporting client wellbeing through natural, plant-based therapies. However, even the most experienced practitioners can encounter unexpected risks. Allergic reactions, misdiagnosis claims, or allegations of negligence can lead to serious legal and financial consequences. Herbalist Insurance provides essential protection, helping you practise with confidence and safeguard your reputation.
Backed by leading insurers, our solutions are tailored specifically for herbalists, whether you work from a clinic or offer mobile services, offering peace of mind for the unique nature of your profession.
Types of Coverage Available
Natural Therapies Insurance combines Public Liability Insurance, Professional Indemnity Cover, and Product Liability Insurance to protect your business from potential claims and incidents.
Why Do Herbalists Need Insurance?
Despite your expertise and good intentions, herbal medicine involves potent natural substances that can affect people in unexpected ways. A client may experience an allergic reaction or claim your advice caused harm.
Herbalist Insurance helps protect you from legal and financial risks, supports compliance with Therapeutic Goods Administration (TGA) regulations, and reassures clients that your practice is professionally safeguarded.
Who Needs Herbalist Insurance?
Herbalist Insurance is essential for a wide range of practitioners, including:
- Qualified herbal medicine practitioners and natural therapists
- Herbalists operating independent or home-based practices
- Herbal product formulators and dispensers
- Herbal medicine educators or trainers offering clinical guidance
If you work with clients to deliver herbal treatments or prepare plant-based health products in Australia and New Zealand, insurance is vital for protecting your livelihood and upholding your professional standards.
Common Claims and Scenarios
Herbal medicine practitioners face unique risks. Common insurance claim scenarios include:
- Allergic reaction to a custom herbal remedy
- Accusations of misdiagnosis or missed contraindications
- Side effects from a recommended product leading to compensation claims
- Allegations that treatment worsened an existing condition
- Claims of unintentional breach of practice scope or regulations
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
The cost of herbalist insurance varies depending on your level of risk, the type of services you provide, and the insurance limits you select. Factors like whether you sell herbal products, work from a clinic or from home, or consult online can all influence your premium. Our brokers can provide a quote tailored to your specific practice.
General Liability Insurance (often referred to as Public Liability) covers claims related to physical injury or property damage that occur at your practice, such as a client tripping in your treatment area.
Professional Liability Insurance (also called Professional Indemnity) protects you if a client alleges that your advice or treatment caused them harm, such as an ineffective herbal remedy.
Yes, you can. Herbalist Insurance is available for practitioners working from home, provided the space is used professionally and complies with relevant health and safety standards.
Yes. Even if you’re offering advice exclusively via video calls or email, you can still be exposed to liability risks. Clients may still claim that your guidance led to an adverse reaction or made their condition worse.
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.