Reiki Liability Insurance

Reiki Liability Insurance

If you are a reiki practitioner, a reiki master or an energy healer, liability insurance is necessary to protect you from claims of injury to clients due to alleged negligence or injury.

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Reiki Master

Insurance for reiki practitioners

Due to its gentle nature, it may be assumed reiki practitioners offer a relatively risk-free service. However, when a client is relying on your expertise for their health and wellness, there’s always a chance that something could go wrong due to an oversight or some incorrect advice. Should this happen, your business could be liable, which can be really expensive to resolve without the proper insurance coverage.

Reiki instructor insurance protects reiki professionals from lawsuits alleging negligence, malpractice, or third-party injury. It also provides financial protection from common risks you may encounter, like a general liability claim or property damage to your reiki clinic.

Reiki insurance is a type of professional liability insurance (also known as malpractice insurance or errors & omissions insurance). Professional liability insurance may cover the legal costs for negligence claims or bodily injury to a client. As an example of how professional liability insurance could protect your business, imagine a client accusing you of providing a treatment that directly made their condition worse, so they sue you. Professional liability insurance could provide financial protection for legal fees and potential medical costs.

For comprehensive coverage, there are other policies that should be included in your reiki liability insurance:

  • Commercial General Liability (CGL) Insurance: This coverage, also known as ‘slip and fall insurance,’ protects your business against common liability risks. These are risks that can happen during day-to-day business operations, such as third-party property damage or injury to a client. For example, a client falls off of your reiki massage table and hurts their back. In this scenario, CGL insurance could cover the medical costs and other related costs.
  • Commercial Property Insurance: If you own or rent a studio for your reiki practice, commercial property insurance can provide protection to your location and business-related equipment against risks like fire, theft, and vandalism. For example, if a window was broken by a heavy hailstorm, this policy could provide financial protection to replace the damaged window.
  • Cyber Liability Insurance: This coverage is necessary for any professional who stores client information, confidential data or conducts virtual consultations. Cyber liability insurance can cover costs associated with electronic incidents involving your technology systems and customer data, such as incident response and breach management fees. For example, if there was a security breach and your client data may be compromised, this coverage could cover the financial costs of notifying clients and securing your data.

The cost varies depending on your specific circumstances. However, the average cost of reiki instructor insurance can begin at around $250 per year for CGL and professional liability policy with a $2M combined coverage limit.

To understand your needs, you’ll be asked a series of questions about your business when you make a quote. At Zensurance, here are some considerations that help us to calculate your quote:

  • Operation size (number of participants)
  • Training and experience
  • Annual and projected revenue
  • Services provided
  • Number of employees
  • Past insurance claims

If you’re looking for affordable insurance, you’ve come to the right place.

Zensurance is partnered with more than 50 insurance providers so we can provide a variety of options at the best price.

Yes, all professional reiki instructors and reiki studio owners should consider reiki insurance to protect themselves and their businesses from potential lawsuits.

We’ve insured more than 1,000 reiki professionals. Some of our clients include:

  • Reiki practitioners
  • Reiki masters
  • Energy healers
  • Studio and retreat owners

Getting insured is quick and easy!

Complete our 5-minute online application for a free reiki insurance quote.

Common claims scenarios

performing reiki on client

Problem: A client accuses you of failing to use your professional experience to detect an underlying illness and proceeds to sue your business.

Outcome: Your professional liability insurance policy could cover the $30,000 cost to settle the lawsuit.

hands over candles

Problem: One of your clients burns their hand on a decorative candle in your reiki studio. They sue you for their injuries.

Outcome: Your commercial general liability Insurance policy could cover the $5,000 in medical bills and other costs

damaged roof from storm

Problem: During a heavy windstorm, your studio’s roof is damaged, meaning your studio could be susceptible to further damage if it’s not fixed quickly.

Outcome: Your commercial property insurance policy could cover the $25,000 cost to fix the damaged roof.

Frequently asked questions

If I plan to start teaching reiki as a course, do I need to change my policy?

Yes, any changes to your business’s services – such as teaching a course based on your specialization – should be mentioned to your broker to ensure you have the right coverages and limits.

Will reiki liability insurance cover other services that I provide?

Reiki liability insurance is designed to protect your specific reiki services. However, if you also provide similar services (e.g. Yoga), they can often be covered under the same policy so long as you disclose them to your broker.

Can I still get reiki insurance if I’m only a level 1 practitioner?

Yes, reiki practitioners of any level can hold a reiki insurance policy, however, years of experience is considered as one of the pricing factors that determine your premium.

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You have dedicated your career to helping others achieve peace and healing. You deserve a broker that can help you achieve your insurance goals.

Start our online application for a free reiki insurance quote today!