Reflexologist Insurance
Protect Your Reflexology Practice with Insurance Tailored to Your Profession.
Overview
As a reflexologist, your treatments support clients’ wellbeing through precise, therapeutic techniques. While your work promotes balance and relief, there’s always the risk that a client could experience an adverse reaction.
With insurance, this may assist with costly legal and financial consequences. Reflexology therapist insurance provides the protection you need to practise with confidence, knowing you’re covered if the unexpected happens.
Types of Coverage Available
Reflexologists commonly need Public Liability Insurance, Professional Indemnity Cover, Product Liability and General Liability insurance to protect your business from potential claims and financial risks
Why do Reflexology Therapists Need Insurance?
Even experienced reflexologists can face unexpected challenges. A client may have an adverse reaction or claim that a treatment caused discomfort or harm. Without insurance, incidents like these can lead to costly legal fees and unnecessary financial pressure.
Having insurance safeguards you from professional risks and ensures you’re meeting industry standards.
Who Needs Reflexology Insurance?
Natural Therapies Insurance provides Reflexology Insurance for reflexology practitioners in Australia, including:
- Practising professionals
- Students in training
- Multi-modality therapists
- Clinic owners and mobile practitioners
Having natural therapy insurance is crucial to protect your career and reputation if you offer reflexology therapy in any form.
Common Claims and Scenarios
- Claims of negligence, injury, or harm during treatments
- Personalising wrong treatment plans and negligence in giving advice
- Failure in the formulation of a treatment plan
- Wrong implementation of a treatment plan
- Legal fees and compensation payouts
- Accidental injury to third parties or damage to property
- 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
While reflexology insurance is not legally required in all areas, it is highly recommended by industry associations and is often necessary to practice professionally or rent clinic space. It provides essential protection for both you and your clients.
Different insurance policies are designed to cover treatments provided not only in a clinic but also for home visits or mobile sessions. When arranging your policy, specify this to ensure you’re fully protected wherever you practise.
Yes, student policies are available and provide security while you’re completing training or performing treatments as part of your education.
Yes, many insurance policies offer multi-modality coverage, allowing you to practice reflexology alongside other approved therapies.
Public liability insurance covers injury or damage to third parties, such as clients or visitors. Professional indemnity insurance, on the other hand, protects you from claims of negligence or errors related to your treatment or advice.
Pricing varies depending on the level of cover, your experience, and whether you’re insuring multiple modalities. However, student and part-time rates are typically more affordable, allowing for flexible options based on your needs.
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.