Professional Liability and General Liability Insurance Now Available Directly through HTPA!
Do I need to have Liability Insurance for my Healing Touch (or Energy Medicine) Practice?
This is a question you need to be asking yourself if you are seeing clients -- as a student, a practitioner with a private practice,an instructor, or a volunteer.
In the field of Energy Medicine the likelihood of having a claim is rare due to the non-invasive nature of our practice and the fact that we do not medically diagnose or prescribe to our clients. Because of this, the annual cost of coverage for liability insurance is quite low - starting at $225 for students and $250 for practitioners - around $20 per month. Read More
Current Healing Touch Professional Association Membership is required to participate in the HTPA Liability Insurance Program. Liability insurance available for U.S. residence only at this time.
Why Choose the Liability Insurance Program Offered through HTPA?
HTPA Member Liability Insurance Program has been specifically tailored for Healing Touch practitioners and instructors, including other related modalities (click here to view modalities covered).
As a Healing Touch practitioner, instructor, energy healer and/or other related health care provider you are exposed to the risk of having a claim (justified or not) filed against you by a dissatisfied client for negligence; malpractice; slip and fall. Most employer-provided coverage does not cover you when you perform outside your job description or outside your workplace, nor does it cover a private practice. Without your own individual liability coverage you could find you are without legal protection (click here to view HTPA Professional & General Liability Coverage).
Whether you practice at home, in a facility or at a client's home, you can protect yourself against the costs and consequences of a lawsuit with Individual Professional and General Liability Insurance. Obtaining this coverage through HTPA assures you that you will have service by staff who are informed and understand your professional needs. Also, HTPA will always be advocating for you while continually striving to stay at the forefront of our rapidly growing profession, bringing you tips and updates on safe practice, as well as offering expanding business resources and support.
This insurance is underwritten by Philadelphia Insurance Companies and began operations in 1962. Philadelphia Insurance Company’s two insurance subsidiaries are pooled for risk assumption and accumulated surplus. A.M. Best Company has assigned the insurance subsidiaries an A++(Superior) rating. A.M. Best issues financial-strength ratings measuring insurance company’s ability to pay claims. Philadelphia Insurance Companies also has a rating of A+ Standard & Poor’s Rating. Standard & Poor’s credit ratings express the agency’s opinion about the ability and willingness of an issuer, such as a corporation or state or city government, to meet its financial obligations in full and on time.
Three Insurance Levels Offered and Cost:
Annual HTPA Membership is required. New or renewal regular membership is $100 (Charter member renewal is $85)
- Student Member Liability ($125 annually)
Coverage is for Healing Touch (and/or other modalities listed) students, that practice part time up to 6 hours per week. The cost is $115 annually (HTPA Membership required).
- Practitioner Member Liability ($150 annually)
Coverage is for Healing Touch Practitioner (HTP) completed Level 5, Healing Touch Certified Practitioners (HTCP) and practitioners of other modalities listed. This covers full-time practice. The cost is $150 annually (HTPA Membership required).
- Instructor Member Liability ($250 annually)
Coverage includes teaching classes from 10 to 99 students per class. The cost is $240 annually and includes the Practitioner Member cost. (HTPA Membership required)
This is an annual policy that renews every year on April 1st and your premium is prorated based on the month you enroll. Coverage renews for a full year each April 1st. Prorated premiums are listed in the table below.
- Additional Insured (Landlord or Loss Payee) is available upon request $10 per certificate administrative fee.
- Overnight mail of insurance certificate is $30 upon request administrative fee (street address required for delivery). Normally insurance certificates will be e-mailed. If e-mail is not available the certificate will be mailed first class. Please allow one week for processing.
HTPA Professional Liability and General Liability Coverage:
If you are named in a lawsuit, an experienced attorney will represent you if needed. Whatever the outcome, this policy pays for legal fees, court costs, and any judgments involving claims or allegations in the following areas:
|Coverage||Coverage Description||Coverage Limits|
similar to malpractice
|Covers claims made for injuries due to misconduct or lack of ordinary skill. Coverage will respond to incidents arising on or after your effective date of coverage and which are reported during the term of the policy.||$1 million per occurrence/
$3 million annual aggregate
|General Liability||Covers claims for injuries that occur at your place of work, including trip and fall. Coverage will respond to incidents arising from the coverage period - regardless of when those claims are reported.||$1 million per occurrence/
$3 million annual aggregate
|Personal and Advertising Injury||Protects you from suits involving libel, slander or wrongful invasion of privacy.||$1 million per occurrence/
$3 million annual aggregate
|Products/Completed Operations Aggregate||Covers claims made against you for damage or injury resulting from a product you use on clients.||$3,000,000|
|Damage to Premises Rented||Covers damage to the space you work in.||$100,000|
|Umbrella Liability||Provides an additional $1,000,000 coverage over the coverages listed above.||$1,000,000|
- No deductibles
- Liability coverage any place you work, such as an office, on site, seminar, convention, healthcare facility, spa and anywhere you travel in the United States
- Coverage in all 50 United States, US Territories, and US military bases
- Coverage starts as soon as the application is approved
- General liability covers any incident that happens within your policy period, even if the claim is made years later and your policy has expired
- Additional Insureds available for your landlord or company. Cost $10.00 per certificate issued. Your policy will provide you with insurance as an individual. If your landlord or locations where you work require that they be listed on your certificate of insurance they can be added as an additional insured.
Main Exclusions: Equine treatment, sexual abuse/molestation, designated product exclusion include all products ingested or taken internally.
We understand that many practitioners in the Energy Medicine field have training in a number of modalities. You may receive coverage for a number of modalities provided you have a basis of training in a professional program that ensures that you are a safe practitioner.
Please list all modalities you seek coverage for on your application and include a Certificate of Class Completion/Participation for each. All applications are subject to HTPA administrative approval
- Healing Touch
- Healing Touch For Animals (excl. Equine)
- Healing Touch Spiritual Ministry
- Alexander Technique
- Angel Reading
- Applied Kinesiology
- Aura Healing & Aura Reading
- Barbara Brennan Healing Science
- Bio-photon Therapy
- Clairvoyant Reader
- Color Therapy
- Craniosacral Therapy
- Crystal Healing
- Eden Energy Medicine
- Energetic Healing (EH)
- Energy Balancing Technique
- Energy Field Work
- Energy Tapping
- Esoteric Healing.
- Jin Shin Jyutsu
- Integrated Energy Therapy® (LET)
- LifeLine Technique
- Life Alignment
- Lionheart Institute's Energy Healing
- Magnified Healing
- Matrix Energetics
- Pranic Healing
- Polarity Therapy
- Quantum Touch
- Reconnective Healing
- Rising Star Healing
- Rohun Therapy
- Rosen Method
- Shamballa Multi-Dimensional Healing
- Shamanic Healing
- Somatic Experiencing
- Sound Healing
- Spiritual Response Technique (SRT)
- Tapas Acupressure Technique (TAT)
- Thought Field Therapy (TFT)
- Therapeutic Touch
- Touch For Health
- Zero Balancing
- Guided Imagery
- Energy Psychology
- Health Coaching
- Laughter Leader
- Life Coaching
- Neuro-linguistic programming (NLP)
- Spiritual Counseling
- Amma Therapy
- Bowen Technique
- Hawaiian Bodywork
- Kripalu Bodywork
- Feldenkrais Method
- T’ai Chi
Subtle Energy of the Senses
- Raindrop Therapy
Other modalities may also be covered. Contact us if your modality is not listed.
Just complete and mail or fax in your insurance application along with your payment.
CLICK HERE: TO APPLY FOR COVERAGE
We invite you to e-mail us with any inquiries you might have. We are dedicated to serving our members. Our goal is to provide the liability insurance you need as your professional practice evolves.