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Aromatherapy Insurance
Compare insurance for aromatherapists
Tailored insurance for aromatherapists
Protect against claims from clients and the public
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What is...
aromatherapy insurance?
When working closely with clients offering aromatherapy treatments or selling products, you’re going to run into some risks. An oil you sell might injure a customer, or you might harm a client during a treatment with oils - whatever the risk, you can’t eliminate them all completely.
The best thing to do is ensure you’re sufficiently protected. Aromatherapy insurance is designed for aromatherapists and the risks they face. It can help provide peace of mind so you can focus on your clients.
What types of aromatherapists can be covered?
Whether you’re self-employed or have your own aromatherapy practice, we can guide you through your options. As an example, we can help:
- Professional aromatherapists working in a private practice
- Mobile therapists providing home visits
- Aromatherapists renting a room
- Practitioners working in spas and wellness facilities
- Retail aromatherapists selling custom blends
- Clinical aromatherapists in healthcare settings
- Aromatherapy consultants and educators
Why do aromatherapists need insurance?
As you work closely with clients, you might run into the following risks:
- A client claims an oil you sold them caused them harm
- A client claims they were injured or harmed during a treatment
- Your essential oils, diffusers or tools are stolen or damaged
- A client claims you gave out incorrect or wrong advice
- You injure yourself whilst performing a treatment
If you have your own practice – you’ll also need employers’ liability insurance, a legal requirement. If you are self-employed or contracted and work alone, you won’t need this.
What does aromatherapy insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance cover could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Product liability insurance
In case a product you have sold, manufactured, or designed injures someone or damages something.
Personal accident insurance
In case you injure yourself on the job and can’t work.
Professional indemnity insurance
Protects you if you give out non-medical advice that is incorrect or a client claims professional negligence.
Business equipment insurance
Covers theft or damage to your expensive equipment like massage tables.
What doesn’t it cover?
Although not every insurer is the same, you’re likely to see some exclusions. Always refer to your policy wording to see what’s included and excluded. You may see the following exclusions:
- Treatments performed without proper qualification
- Deliberate malpractice or negligence
- Treatments outside your declared scope of practice
- Claims arising from illegal activities
- Non-approved or experimental treatments
Always tell your broker details of your classes, including where you teach and whether you work with children, so they can arrange the right cover for you.
How much does aromatherapy insurance cost?
No two insurers are the same, so it’s difficult to give a solid figure for what you might be paying for an annual insurance policy. The following will affect the price of your premiums:
- Extent of cover - The more cover you opt for, the more expensive your package is likely to be.
- Your insurer - The insurer you choose will also influence costs.
- Experience level - Your insurer could take into account how long you’ve been qualified.
- Location – Where you work is taken into consideration when calculating the price of your premiums.
- Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.
Sort your aromatherapy insurance with Bionic
At Bionic, we support UK business owners and want to help in every way we can. That’s why we have knowledgeable insurance brokers who work with a panel of trusted insurers to compare business insurance to find the right fit. Get in touch with us today by starting a quote online.
“Sufficient insurance helps protect your practice against the risks associated with running an aromatherapy business."
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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