Holistic Health Practitioner Insurance Coverage Checklist
The coverages a holistic health practitioner business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for multi-modality holistic health practitioners. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (All Modalities Listed) | Covers claims that a session or advice caused harm — but only for modalities named on the policy. | Core | |
| General Liability | Covers slips, falls, and injuries to clients and visitors at your studio or events. | Core | |
| Sexual Abuse & Misconduct Liability | One-on-one and hands-on sessions draw allegations; many policies sublimit or exclude them. | Core | |
| Products Liability | Covers reactions to herbs, oils, and supplements you sell or blend. | Prevalent | |
| Business Personal Property | Covers tables, instruments, crystals, and equipment. | Prevalent | |
| Licensing Board / Regulatory Defense | Pays legal costs if you are accused of practicing medicine or massage without a license. | Prevalent | |
| Cyber / Privacy Liability | Covers client health histories, session notes, and online booking data. | Prevalent | |
| Workers' Compensation | Required once you have employees; covers practitioners and front-desk staff. | Situational | |
| Special Event / Retreat Liability | Covers retreats, workshops, and venues that require you to name them as insured. | Situational | |
| Hired & Non-Owned Auto | Covers driving to clients' homes and events in your own car. | Situational |
The coverage gap most often missed
The gap most often missed by holistic practitioners is a modality the policy never listed. Holistic programs typically insure only the services named on the certificate and backed by training, so adding a new service — breathwork, cupping, herbs, a retreat — can leave it uninsured until the carrier approves it. Compare every service you offer against your policy's modality list, and confirm your sexual misconduct limit.
Send us the checklist and we'll review your holistic health practitioner coverage line by line, then market it across multiple carriers that compete for your account.
Related: Holistic Health Practitioner Insurance · Holistic Health Practitioner Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a holistic health practitioner business need?
The core coverages for a holistic health practitioner business are Professional Liability (All Modalities Listed), General Liability, Sexual Abuse & Misconduct Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my holistic health practitioner coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.