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Insurance for Natural Therapists & Naturopaths

Instant professional indemnity and public and products liability insurance for Natural Therapists and Naturopaths

Starts from $287 per year

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protects you against

What is covered under this insurance policy for Natural Therapists?

Natural therapist insurance under the allied health professionals insurance covers naturopaths, and holistic or complementary medicine therapists and is designed to include both professional indemnity, public liability and products liability. 

This insurance is suitable for naturopaths working online, at home, or owners of their own naturopathy practice.

‍The policy can cover natural therapists that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your naturopathy practice against any liability if someone is injured on your premises or while you are providing your services.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your natural therapy services in the course of providing your in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your naturopathy business for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your naturopath or complementary medicine business.

Defamation

Protects you and your naturopathy business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your services.

other benefits

Value added benefits of the natural therapist insurance policy

Contract Review

This entitles you to four contract reviews each year you have your natural therapist insurance policy. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

A naturopath prescribes an incorrect herbal medicine for a pregnant client leading to premature labour, resulting in the child being born with some birth defects and suspected ongoing learning difficulties.

Trips, Slips and Falls

While walking down the stairs leading to your office, an elderly client falls and gets seriously injured breaking their hip, leading to them becoming wheelchair bound. It's alleged by the adult children for the client that the stairs were slippery, uneven and lacked a handrail so were not safe.

Negligence

A natural therapy practitioner recommends alternate therapy without studying the client’s medical history. They are in remission for breast and lymph node cancer and your treatment plan has failed to consider the chemotherapy and radiotherapy treatments that are ongoing with the client, leading to complications.

Error of Judgement

A client has been seeing your naturopath for years, and includes the entire family. The longstanding client now alleges you've made their teenager’s depression and anxiety levels worsen with your natural therapy treatment plan.

Bad Professional Advice

A client you’ve been treating alleges the essential oils you use in your aromatherapy treatment gave them rashes.

Third Party Damage

You accidentally knock a number of items off the hallway entrance while exiting a client’s home and break an expensive ornamental vase.

exclusions

What is not covered (exclusions) under natural therapist insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Occupational therapist
See More
Massage therapist
See More
Speech Pathologist
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Counselling therapist
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Physiotherapist
See More
Other 20+ Therapy Professions
See More
how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a naturopath and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get naturopath insurance to win that client or to get a job with an institution, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, natural therapist insurance is the perfect solution for naturopaths, alternate therapy practitioners, naturopathy business owners.
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FAQs

You asked, We answer

Why is natural therapists insurance important?

Being a natural therapist is highly skilled work - helping you get the best out of your clients by setting goals, plans and providing holistic advice so they can be at their best. Sometimes mistakes or accidents happen, and things might not go according to plan. If your client holds you responsible, it could put everything you have worked for at risk.

Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance. This protects you and your business against any advice you give to your clients - whether on exercise posture, exercise strengthening or recovery plans.This risk is higher if you work as a freelance natural therapist, if you work part-time or as a contractor. If you're unprotected, you could suffer a devastating financial blow.

What can a natural therapist be sued for?

While we hope it doesn't happen, natural therapist can potentially be sued for:
‍
1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored natural therapist insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under this insurance?

1. Acupuncturist - Chinese medicine practitioner
2. Acupuncturist - non-Chinese medicine practitioner
3. Chinese herbal dispenser
4. Dietician
5. Hydropath
6. Hypnotherapist
7. Massage therapy
8. Kinesiologist
9. Life coach
10. Reflexologist
11. Spiritual and Wellness Advisor
12. Spiritual Healing Therapist
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078