Naturopathy Practitioner Insurance
Secure your naturopathy practice with tailored insurance coverage you can trust.
Overview
As a naturopathic practitioner, your expertise helps clients improve their health and wellbeing through natural therapies and personalised care. Despite your best efforts, there is always a chance a client might claim their condition worsened or that they experienced an adverse reaction.
Without the right insurance, these claims can lead to significant financial strain. Having proper coverage means you can focus on your practice with confidence, knowing you’re protected if the unexpected occurs.
Types of Coverage Available
Naturopathic practitioner insurance typically combines several essential covers to protect your business from potential claims and financial risks
Why do Naturopathic Practitioners Need Insurance?
No matter how experienced you are, practising naturopathy carries inherent risks. Clients might experience unexpected reactions or feel that a treatment didn’t go as planned. Without insurance, these situations can lead to costly legal issues and financial burdens.
Having the right coverage not only protects your finances but also helps cover legal fees and ensures you meet industry requirements, providing reassurance for both you and your clients as you continue your practice.
Who Needs Naturopathy Practitioner Insurance?
Natural Therapies Insurance provides naturopath insurance for various professionals in Australia, including:
- Naturopaths working online
- Naturopaths working at home
- Owners of a naturopathy practice
- Holistic or complementary medicine therapists
- Acupuncturist – non-Chinese medicine practitioner
- Hydropath
- Hypnotherapist
- Reflexologist
If you offer naturopathic therapy in any form, having professional insurance is paramount to protect your career and reputation.
Common Claims and Scenarios
- Client injury during a session
- Allergic reactions to products used
- Damage to property
- Equipment theft or damage
- Bad professional advice
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
Yes, if a client experiences a negative reaction to a recommended product, product liability insurance may cover the claim.
Coverage can include group sessions or workshops, but it’s best to confirm with the insurer to ensure group activities are specified in the policy.
Portable equipment insurance can provide protection for items like treatment tables, medical tools, and other essential gear used off-site.
Yes, professional indemnity insurance may cover claims of emotional distress or psychological harm if the treatment or advice is alleged to have caused it.
Professional indemnity insurance can cover negligence claims or incorrect advice that leads to worsening health conditions.
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.