Homeopaths Insurance
Protect Your Homeopathy Practice with Insurance Tailored to Your Profession.
Overview
As a homeopath, your treatments provide clients with natural, holistic care to support their health and wellbeing. While your work aims to restore balance and promote healing, there is always a risk that a client could experience an adverse reaction or claim that your treatment caused harm.
Insurance offers the protection you need as homeopathy practitioners, allowing you to practice with confidence, knowing you are covered should the unexpected happen.
Types of Coverage Available
Homeopathy professionals often need Public Liability Insurance, Professional Indemnity, and Product Liability cover to safeguard their business from potential risks and financial liabilities.
Why do Homeopaths Need Insurance?
Homeopathy is an increasingly trusted and respected field, but like all healthcare practices, it carries potential risks. Claims alleging harm or dissatisfaction can result in serious financial and legal consequences. Insurance coverage may safeguard your practice, whether you are offering treatments in a clinic, at home, or through mobile services. By securing the proper insurance, you ensure that your practice remains protected, compliant with industry standards, and able to focus on your practice and clients.
Our experienced insurance brokers can help you find the perfect insurance plan tailored to the way you practise homeopathy, whether you work independently, are part of a larger practice, or offer mobile treatments.
Who Needs Homeopath Insurance?
Homeopathy Insurance is beneficial for insurance for homeopathy professionals in Australia, including:
- Practising professionals
- Students in training
- Multi-modality therapists
- Clinic owners and mobile practitioners
Having insurance is essential to protect your career and reputation if you offer homeopathy services in any form in Australia.
Common Claims and Scenarios
- Claims of negligence, injury, or harm during treatments
- Providing incorrect treatment plans or negligent advice
- Failure to properly formulate a treatment plan
- Errors in implementing a treatment plan
- Legal fees and compensation for claims
- Accidental injury to third parties or property damage
- Liability related to health products used or sold
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
Combining Professional Indemnity and Public Liability Insurance provides comprehensive protection against a wide range of potential claims. Not only does it simplify your insurance process by covering all bases under one policy, but it can also help save costs. Speak to our expert brokers to know more.
Yes, many insurance policies for homeopaths are designed to cover treatments provided both in a clinic setting and for mobile or home visits. Specify this information to ensure you’re fully protected wherever you practise.
Yes, student insurance policies are available, offering the protection you need while you’re in training or performing treatments as part of your education. Speak to our expert brokers to know more.
Yes, you may be eligible for multi-modality coverage, allowing you to practice homeopathy alongside other approved therapies. Speak to our expert brokers to know more.
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.