Why do reflexologists need liability insurance?
Reflexologists face various risks, including potential claims from clients alleging injuries, property damage, or professional errors, such as incorrect treatment or advice.
Claims your treatment did more damage than good
Clients may claim that your reflexology sessions caused harm or did not provide the expected results, leading to demands for compensation.
Accidental client injury
Accidents, such as clients tripping over equipment or slipping, can result in claims.
Accusation of inappropriate conduct
The personal nature of reflexology can sometimes lead to misunderstandings or accusations of inappropriate conduct.
Failing your duty of care
If a client believes you did not properly account for their medical history and proceeded with unsuitable treatment, they could make a claim.
Reflexology public liability insurance
Public liability insurance helps protect reflexologists from risks associated with face-to-face client interactions. This coverage provides legal defence and compensation if you're found liable for injuries or property damage.
What does reflexology public liability insurance cover?
Public liability provides reflexologists with legal defence and covers a possible payout if you're found liable for property damage or causing an injury.
Cover includes:
- accidental injury or death
- accidental property damage
For example:
- For example, if a client slips and falls on your premises.
- If an accident occurs at a client's home during a session, it can lead to claims of property damage.
Professional indemnity insurance for reflexologists
Professional indemnity insurance protects reflexologists from claims related to the professional advice or treatment they provide. If your advice or treatment worsens a client’s condition, you could face legal action.
What does professional indemnity insurance cover?
Professional indemnity insurance protects reflexologists from claims or accusations of wrongdoing from their professional advice.
Cover includes:
- Failing your duty of care
- Making a mistake
- Acting negligently
- Giving the wrong advice or recommendation
For example, you may be facing financial demands from a client because:
- Your treatment caused an injury
- Your advice made an existing injury worse
- You client accuses you of inappropriate conduct
What professional indemnity limit do reflexologists need?
The appropriate level of professional indemnity cover depends on various factors, such as the nature of your practice, the number of clients, and the complexity of your treatments. Venues where you work may also require specific coverage limits.
Switching your professional indemnity insurance
When switching professional indemnity providers, be aware that many UK policies don’t cover claims for work completed under a previous policy once it is cancelled. To avoid gaps in coverage, consider adding retroactive cover to your new policy.
Should I keep professional indemnity insurance if I stop providing reflexology?
Even if you pause or stop practising reflexology, maintaining professional indemnity insurance is recommended. Claims can arise months or years after the treatment was provided. Cancelling your policy would end your coverage, including for past work.
Tips for reflexologists
Having public liability and professional indemnity insurance can give reflexologists peace of mind, but you can also take additional steps to minimise risks:
- Thorough client assessments: Always conduct a detailed assessment of a client’s health and reasons for seeking treatment before their first session.
- Clear communication: Explain your treatment plan, its potential benefits, and any limitations to ensure the client understands and consents to your approach.
- Regular check-ins: Monitor the client's comfort during sessions to prevent pain or discomfort.
- Trust your instincts: If you believe a client may not be suitable for your services, it’s okay to decline treatment and provide a refund if necessary.
Shopping for reflexology insurance
When looking for reflexology insurance, consider the following:
Cheap reflexology insurance
While cost is a factor, avoid choosing insurance solely because it’s the cheapest. Read the policy details to understand what is covered and what isn’t.
The insurer's reputation is important
Choose a provider known for reliable payouts and financial stability.
Many providers charge fees to amend or cancel
Be aware of any extra fees for policy changes or cancellations. Look for insurers that offer flexibility without hidden costs.
Some policy wordings are restrictive or have a high excess
Check for any restrictive terms or high excesses that could limit your coverage. Some policies, such as those from Suited, offer zero excess, providing better value.
