Reiki & Energy Healing Insurance Coverage Checklist
The coverages a reiki & energy healing 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 Reiki practitioners, Reiki teachers, and energy healers. 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 (Energy Work) | Covers claims that a session or your guidance caused harm. | Core | |
| General Liability | Covers clients and visitors injured at your studio, such as a fall getting off the table. | Core | |
| Sexual Abuse & Misconduct Liability | Private sessions with resting clients draw allegations; many policies sublimit them. | Core | |
| Teaching / Instructor Liability | Covers claims from students and from classes where students practice on others. | Prevalent | |
| Products Liability | Covers crystals, oils, and products you sell. | Prevalent | |
| Business Personal Property | Covers tables, crystals, and studio equipment. | Prevalent | |
| Licensing Board Defense | Pays legal costs if a massage board claims your touch requires a license. | Situational | |
| Cyber / Privacy Liability | Covers client records and online booking and payment data. | Situational | |
| Special Event / Retreat Liability | Covers workshops and venues that require proof of insurance. | Situational | |
| Workers' Compensation | Required once you have employees. | Situational |
The coverage gap most often missed
The gap most often missed by Reiki practitioners is touch the law treats as massage. Florida's massage board says paid Reiki falls under the definition of massage, and other states exempt it only while it stays light, clothed, and outside massage methods. A claim from work a regulator calls unlicensed massage can fall outside your policy. Know your state's rule, keep touch within it, and confirm your sexual misconduct limit.
Send us the checklist and we'll review your reiki & energy healing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Reiki & Energy Healing Insurance · Reiki & Energy Healing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a reiki & energy healing business need?
The core coverages for a reiki & energy healing business are Professional Liability (Energy Work), 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 reiki & energy healing 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.