Aromatherapy is a healing treatment that focuses on the use of natural plant extracts and oils to boost one’s health and wellbeing.
Insurance for Aromatherapists
While it is a non-invasive procedure, a customer may still claim medical malpractice and lodge a legal complaint against you and your business. It can arise from the products you provide to your clients.
Because of these potential risks, you need professional liability insurance to protect you and your business from related expenses.
In general, please note that aromatherapists need to buy an insurance policy if they wish to work. It is best to have all your aromatherapy insurance needs addressed first in case clients pursue legal action.
Despite diligently working on a customer’s therapy session, a client may still allege that you were negligent with your profession or you’ve provided wrong advice. Professional indemnity insurance covers the legal fees should there be a lawsuit. The policy can protect your financial position from emerging expenses or a customer claim.
Product liability insurance is designed to protect you in the event of a claim relating to the products a customer may purchase from your business, including massage and essential oils or skin products. This policy can cover the aromatherapist and business should the product used caused harm to the skin. The business insurance policy also provides cover for other claims such as an allergic reaction to the products.
Public liability is an essential insurance policy that can cover expenses should there be a member of the public that sustained an injury while in the place of business.
There are other general and personal insurance products as added protection to cover yourself and your business. If you’re also a business owner, you can not be complacent with just having one single policy because many things could go wrong in your aromatherapy business.
Is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit and statutory fines and penalties.
This protects your business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption coverage, for the potential loss of income, under certain sections of the business policy.
Whether you run small or large businesses or work as a contractor. This insurance will cover your business for tax auditing by the ATO.
If you maintain a website or a digital record of your customers' personal information, especially online, you are at risk of a data breach. This policy gets you covered from data theft.
Workers' compensation is vital to help cover costs related to an injured employee during business hours. Your staff may get coverage for the medical cost and other general or related expenses.
This insurance is for every individual who is taking the time to recover from an injury or illness and is unable to work.
Sparrow Insurance Offers Quality Services Just for You
With Sparrow Insurance, the beauty of having us as your broker is: you can rely on our team.
We can help you with questions about the claims process and provide information on other insurance policies.
Sparrow insurance reviews each business individually, as not every aromatherapy business is the same.
General Advice Warning
This advice has been prepared without taking into account the client's objectives, financial situation or needs.
Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).
If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.
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