Insurance for Natural Therapists
Combined Professional Indemnity and Public & Products Liability
Public Liability cover up to $20m, Professional Indemnity up to $10m
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What does natural therapists’ insurance cover?
Natural therapists’ insurance generally helps protect complementary and holistic health practitioners against claims caused by their professional services, the products they recommend, or operating their business. Common risks natural therapists may face include:
- Injuries that leave you unable to practice
- Professional mistakes and negligence lawsuits
- Disciplinary proceedings and investigations
- Client injury and property damage claims
- Damaged or stolen business equipment
Professional Indemnity and Public Liability insurance are required to join the Australian Natural Therapists Association (ANTA). Professional Indemnity is also required to register with the Chinese Medicine Board/AHPRA.
BizCover offers a combined Professional Indemnity and Public Liability policy designed for complementary therapists, natural health practitioners, holistic therapy, and alternative therapies.
Why do natural and complementary therapists need insurance?
Natural and complementary therapists should consider insurance because working with clients on their health, healing, and wellbeing carries a real duty of care. Even with the best processes and training, a client could make a claim about an error, injury or loss connected to your services. These claims may arise years after the treatment took place.
For AHPRA-registered occupations, Professional Indemnity insurance is typically required. ANTA members must have Professional Indemnity and Public Liability insurance to maintain membership. Natural therapists may also need insurance to be recognised by some health funds.
Who needs natural and holistic therapy insurance?
We offer insurance options that may benefit a number of natural therapy professions, including:
Acupuncture
Herbalists
Homeopaths
Reflexologists
Remedial Massage Therapists
Reiki and Energy Healing Practitioners
Meditation Teachers
Chinese Medicine Practitioners
What types of insurance do natural therapists need?
Natural therapists usually choose several types of insurance to help protect their clients, finances, assets, and themselves. Mix and match from a range of cover options to create a package that fits your practice’s needs.
Basic natural therapy insurance:
Additional natural therapist insurance:
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How much does life coaching insurance cost?
Business insurance for natural therapists costs an average of $49 per month*.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Marketing Pricing Expectation Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
BizCover offers a combined liability process with Professional Indemnity up to $10 million and Public Liability up to $20 million. You can also choose Personal Accident & Illness insurance with a weekly benefit up to $4,000.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations [SM2.1]Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
BizCover offers a combined liability process with Professional Indemnity up to $10 million and Public Liability up to $20 million. You can also choose Personal Accident & Illness insurance with a weekly benefit up to $4,000.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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How To Make a Claim Online
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Fill out our claims form and provide info to support the claim.
- Receive Extra Support
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We’ll notify you of the claim outcome.
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See How Much Other Natural Therapists Have Saved By Purchasing a Policy Through BizCover
Neil
Personal Trainer from
VIC
Saved
$200
on
Allied Health Combined Liability insurance
Kate
Massage Therapist from
NSW
Saved
$150
on
Allied Health Combined Liability insurance
Sarah-Jane
Nurse from
TAS
Saved
$400
on
Allied Health Combined Liability insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Professional Indemnity insurance is mandatory for some natural and complementary therapies. Other practitioners may need insurance to join industry associations or to be recognised by health funds.
The Chinese Medicine Board (part of the AHPRA) requires “adequate and appropriate” levels of Professional Indemnity for:
• Chinese medicine practitioners
• Chinese herbal dispensers
• Chinese herbal medicine practitioners
• Oriental medicine practitioners
• Acupuncturists
Natural therapists, naturopaths, homeopaths, and other complementary therapy practitioners must have Professional Indemnity and Public Liability insurance to join the Australian Natural Therapists Association (ANTA). ANTA membership requires a minimum of $2 million of Professional Indemnity cover and a minimum of $10 million Public Liability cover. Chinese herbal medicine and acupuncturists must have at least $5 million of Professional Indemnity insurance and $10 million in Public Liability insurance to join.
Yes, BizCover’s Professional Indemnity and Public Liability policies can be customised to include in-home treatments.
Yes. BizCover policies can generally be customised to cover natural therapists who practice out of their own homes.
Yes. Professional Indemnity policies can generally cover multiple services within the same or similar industry. You will be asked to select the natural therapy services you offer when getting a quote.
A claims-made policy is an insurance policy that covers incidents that occur and are reported to the insurer during the policy period. Claims are only covered if a claim is notified or submitted while the policy is active. Professional Indemnity is type of claims-made policy commonly taken by natural therapists.
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