ENERGY WORK INSURANCE | A+ RATED INSURANCE FOR YOUR ENERGY WORK BUSINESS

Finding balance is what an energy worker desires for their client. They find blockages or stagnations in one's energy field in and around the body and restore its proper circulation and balance, stimulating the body's innate healing capacity. Energy work insurance includes insurance for crystal healing, reiki, Wim Hof Method, Tai Chi, guided meditation, numerology and more!

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WHAT COVERAGE IS INCLUDED IN THE PLAN?

Visit our Coverage page for more specific information about the types of coverage included in our plan.

  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  

Energy Work Examples

What if??

Wondering what kind of claims could be covered by energy work insurance? We've got some examples to make it easy.

  • General Liability: Client sits up too fast from the table and gets lightheaded and falls, spraining their wrist.
  • Professional Liability: A client sues because they were injured physically or mentally as a result of the therapy.
  • Damage to Premises Rented: Your treatment table breaks and damages the hardwood flooring in your rented space.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

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Energy Work

Energy Work SUB-INDUSTRY INSURANCE

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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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Energy Work Insurance FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.  However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False Arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful Eviction or Wrongful Entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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