Hypnotherapy Insurance Coverage Checklist
The coverages a hypnotherapy 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 hypnotherapists, hypnosis practices, hypnosis trainers, and stage hypnotists. 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 (Hypnotherapy) | Covers claims that a session caused emotional or psychological harm. | Core | |
| Sexual Abuse & Misconduct Liability | Clients in trance are vulnerable, and misconduct charges recur; often sublimited or excluded. | Core | |
| General Liability | Covers clients and visitors injured at your office or events. | Core | |
| Stage / Entertainment Hypnosis Coverage | Volunteer injuries on stage are excluded by many clinical policies. | Prevalent | |
| Cyber / Privacy Liability | Covers session recordings, intake forms, and online session data. | Prevalent | |
| Licensing Board Defense | Pays legal costs if a psychology or counseling board says you practiced without a license. | Prevalent | |
| Media / Products Liability | Covers recorded hypnosis audio programs and apps you sell. | Situational | |
| Teaching / Instructor Liability | Covers claims from students you train and certify. | Situational | |
| Business Personal Property | Covers recording equipment and office contents. | Situational | |
| Workers' Compensation | Required once you have employees. | Situational |
The coverage gap most often missed
The gap most often missed by hypnotherapists is sexual misconduct coverage. Clients in trance are uniquely vulnerable, a Michigan hypnotherapist was sentenced to 15 years in 2024 for assaulting patients in sessions, and many policies exclude or sharply sublimit abuse claims — even false allegations need a defense. Confirm your misconduct limit, and consider recording sessions or allowing a companion in the room.
Send us the checklist and we'll review your hypnotherapy coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hypnotherapy Insurance · Hypnotherapy Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hypnotherapy business need?
The core coverages for a hypnotherapy business are Professional Liability (Hypnotherapy), Sexual Abuse & Misconduct Liability, General 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 hypnotherapy 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.