Reiki and Energy Healer Insurance
Secure your Reiki and energy healing practice with customised insurance protection.
Overview
As a Reiki or energy healing practitioner in Australia, your work supports balance, relaxation, and emotional well-being. However, even in this calming profession, there’s potential for unexpected events, such as claims of negligence, client dissatisfaction, or incidents during sessions. Reiki and Energy Healer Insurance protects your practice from legal and financial risks so you can focus on your clients.
Whether you work in-home or at your clinic, this policy is tailored for Reiki healers, practitioners, and students in various settings. Our coverage solutions support your professional growth while protecting your reputation and livelihood.
Types of Coverage Available
Reiki and Energy Healer Insurance combines Public Liability Insurance, Professional Indemnity Insurance, and Product Liability Insurance to comprehensively cover your business against claims and financial risks
Why Reiki and Energy Healers Need Insurance?
Even the most dedicated Reiki and energy healers face risks. Claims of malpractice, injury, or property damage can happen unexpectedly and lead to significant legal and financial challenges.
With insurance, you’re covered for these claims as well as legal expenses like defence and investigation costs. This protection lets you focus fully on your clients’ well-being without worrying about potential risks. It also helps you meet professional and industry compliance standards, ensuring your practice stays trusted and secure.
Who Needs Reiki and Energy Healer Insurance?
This insurance is essential for a broad range of Reiki and energy healing practitioners, including:
- Sole practitioners with independent practices
- Small clinics or wellness centres
- Mobile therapists treating clients off-site
- Reiki masters and workshop leaders
- Reiki students in practical training
If you provide Reiki or energy healing services in Australia, professional insurance is a vital safeguard for your business and career.
Common Claims and Scenarios
Practitioners may face claims from various incidents, such as:
- Client injury or discomfort during a healing session
- Allergic or adverse reactions to products used or sold
- Damage to client property during appointments
- Theft or accidental damage to equipment or healing tools
Having the right insurance ensures you are protected financially and legally when such situations arise.
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
Reiki practitioner insurance generally covers claims related to treatment issues, malpractice, errors and omissions, emotional or psychological discomfort, accidental injuries, or property damage during a session.
Yes, if a client alleges emotional or psychological harm linked to your Reiki session, Professional Indemnity Insurance may cover legal costs and any potential compensation.
Yes. Public Liability Insurance often extends to group activities such as workshops, Reiki circles, or training classes. However, it is essential to ensure that your policy explicitly includes coverage for these types of activities.
In many cases, insurance providers offer the option to add multiple practitioners to a single policy. However, coverage terms can vary, so it’s important to check with your insurer to make sure each individual is appropriately insured under the plan.
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.