Insurance for Complementary
Therapists in Australia

Provide care and support as you keep your finances secured.

Complementary Therapist Insurance

As a therapist, you offer not only health and well-being treatment methods but also emotional and spiritual support to improve your client’s quality of life. But even with utmost care, you are still vulnerable to risks that can escalate to liability claims leading to financial burdens.

Being prepared for any untoward incident is most vital. This can be done with reliable insurance covers to protect your practice and complementary therapy business.

What insurance does a complementary therapist need?

No matter how long you’ve been in the natural therapy business, you’ll never know when accidents happen and clients might make claims against you. Here are the insurance policies you need:

Professional Indemnity Insurance

In the performance of your daily duties, your client sues for misdirected therapy advice, this policy may provide you with cover. At a time when a client claims your therapy brought him chronic pain and sues you for compensation, a professional indemnity insurance may cover your legal costs including legal advice.

Public Liability Insurance

In your therapy profession, you offer therapy for the public whether in your business premises. Risks involved can be slip-and-fall incidents to third-party members of the public during or after consultation. Public liability may cover the costs of treatment and associated legal cost of this person’s claims.

Products Liability Insurance

Your practice may involve selling or supplying health therapy products, so you also have product liability for third party injury claim from products that you sold or supplied. With a products liability cover, this policy may cover financial setbacks of defending a claim.

Other policies for Additional protection

Whether you are practicing therapy alone or have employees, you also are running a business. On top of your professional indemnity, you’ll need protection for your management. Here are business insurance products.

Management Liability Insurance

is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit and statutory fines and penalties.

Business Insurance

This protects therapy businesses, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption, for the potential loss of income, under certain sections of the business policy.

Personal Accident and Illness Insurance

This insurance cover is for every member or individual, as accidents and sickness do happen to business owners and contractors. This may assist your business to enable you to employ staff to cover you the business owner while you are unable to work.

Cyber Insurance

If you maintain a website or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This policy covers you from data theft.

Tax Audit Insurance

Whether you run a small or large therapy company or work as a contractor, this insurance will cover businesses for tax auditing by the ATO.

Workers Compensation

Workers’ compensation is a legal requirement for all businesses to cover their staff and contractors in the time or event of an accident.

Why do complementary therapists need insurance?

Many professional associations and governing bodies insist on every member to get insured before they obtain membership.

Why choose Sparrow Insurance

For a professional therapist, there are few options available for coverage, and choosing could be overwhelming, but Sparrow Insurance makes obtaining insurance easy.

  • Get detailed and easy-to-understand policy and services.
  • Sparrow Insurance can manage your account, renewal or policy needs or requirements.
If you have questions or provide other services, call Sparrow Insurance Protect your business and practice. Call us now!

FAQs

Does my policy cover my past activities?

The unlimited retroactive cover in your policy may secure even your past activities provided there are no known and unreported circumstances that could lead to a claim.

What do I do if I have complaints or claims made against me?

Contact Sparrow Insurance brokers immediately.