Professional Liability Insurance (also called Errors and Omissions (E&O), Malpractice or Professional Indemnity Insurance) is the protection you need if you provide advice or professional services to clients. This coverage is designed to protect holistic health professionals against liability incurred as a result of client claims of errors or omissions in performing professional services. There are many brokers that provide professional liability insurance plans specifically for holistic health professionals. Listed below are plan examples targeted at holistic health professionals as of October 2017.
Note: Some professional associations have negotiated discounts for their members or have included E&O insurance as a membership benefit. These have been indicated with a (*). You are encouraged to explore your options and consider this protection. ACHS does not guarantee the accuracy of the web content to outside links nor endorse any particular policy type.
Associated Bodywork and Massage Professionals (ABMP)* Practitioner Liability insurance: http://www.abmp.com/practitioners/extensive_abmp_benefits.php
ABMP Student Liability Insurance: http://www.abmp.com/students/cost_of_student_membership.php
National Association of Nutrition Professionals (NANP)*: Coverage provided by CPH and Associates https://www.cphins.com/. Coverage available to Professional Members of the NANP [10% off discount for members]. Learn about coverage for wellness and fitness professionals online at http://www.cphins.com/wellness-fitness-professionals/ and for health and life coaches online at http://www.cphins.com/life-coaches/.
Coverage provided to members of the International Coach Federation (ICF)*: http://insurance-icf.com/
Herbalists, Cosmetics and Dietary Supplement Firms
American Herbalists Guild: Coverage available to Professional Members (Registered Herbalists): http://www.americanherbalistsguild.com/membership/ahg-professional-membership
Veracity Insurance - Vitamins, Nutraceuticals & Dietary Supplements Insurance: https://www.veracityinsurance.com/
Holistic Chamber of Commerce: Coverage available to members: http://www.holisticchamberofcommerce.com/benefits/3-hcc/articles/internal/122-professional-liability-insurance
Yoga Instructors, Estheticians, Kinesiologists, Reflexologists, Reiki Practitioners, Massage Therapists
National Association of Complementary & Alternative Medicines:
Oriental Medicine Canada: http://ca.nacora.com/our-solutions/specialty-programs-insurance/health-wellness-program/
Canadian Herbalist Association of BC: http://www.chaofbc.ca/wp/about/insurance/ recommends http://www.therapistinsurance.ca/ for all modalities.
All Natural Therapists
Australian Natural Therapists Association*: Coverage available to members [25% discount]: http://www.australiannaturaltherapistsassociation.com.au/membership/insurance.php
All Affiliated Health Professions
Product Liability Insurance
If you design, manufacture, sell or distribute a product, you may want to obtain product liability insurance. This insurance is for any business or individual that manufactures his own product, even if manufacturing is subcontracted. The insurance covers claims of product defects filed against you or your business arising out of the manufacture and/or sale of your products.
NutraRisk Dietary Supplement Insurance Products: http://nutrarisk.com/coverages-target-risks/
Castle Rock Agency Nutraceutical Dietary Supplements Product Liability Insurance: http://www.castlerockagency.com/nutraceutical-dietary-supplements.html
*Discount is a membership benefit.