Health & Wellness Insurance

This package is designed for Complementary Clinics, Spas or Individual Practitioners who provide Health and Wellness services including alternative therapies or medicine.  Just as mindfulness is great for your wellbeing, so is comprehensive insurance to protect your business against allegations and potential lawsuits.

Professional Liability – Included
Commercial General Liability – Included
Contents & Equipment Coverage – Optional
Legal Advice Phone Line – Included
Privacy Breach & Security Breach Service – Included

CLICK HERE to learn more about the coverages.

NOTE:  These policies are designed to be more economical due to Broker handling not being involved.  Please enter your information in the application carefully.
Once a policy is purchased online, extra administration charges apply for required changes, certificates, and need for Broker services.  

These products are designed specifically for businesses in Alberta: Calgary, Edmonton, Red Deer, Lethbridge, Okotoks, Banff, etc.

Who Needs Health & Wellness Insurance?

This package is suitable for individuals who are working as independent contractors or business owners.

Eligible Health & Wellness Services Professionals
  • Accupoint Therapy Involves the stimulation of acupuncture points or meridians with a therapy stick.

  • Acupressure Treatment of symptoms by applying pressure with the fingers to specific pressure points on the body.

  • Acupuncture A system of complementary medicine that involves pricking the skin or tissues with needles, used to alleviate pain.

  • Alexander Technique Teaches people how to stop using unnecessary levels of muscular and mental tension during their everyday activities. It is an educational process rather than a relaxation technique or form of exercise.

  • Allergy Testers Food allergy testing and asthma testing either by blood testing or skin prick testing to reliably determine allergic sensitization. Both tests are very accurate, and have similar diagnostic value in terms of sensitivity and specificity. For an allergy blood test, a sample of the patient’s blood is sent to a laboratory for analysis. For babies and young children, a single needle stick for allergy blood testing is often more gentle than several skin tests. For a skin prick test, a patient is pricked with a series of needles that contain extracts of allergic triggers.

  • Animal Therapies Treatment of animals such as dogs, cats, and horses using more natural means, or what are known as complementary medicine, alternative therapies, or natural therapies. These therapies are generally safer and gentler on the animal’s body and promote healing without the use of traditional (and potentially toxic) medications, and surgeries. This service excludes Equine and Vet Services

  • AromaTherapy A form of alternative medicine that uses volatile plant materials, known as essential oils, and other aromatic compounds for the purpose of altering a person’s mind, mood, cognitive function or health.

  • Astrology The study of the movements and relative positions of celestial bodies interpreted as having an influence on human affairs.

  • Aura-Soma A subtle colour and light therapy comprising over 100 glass bottles each containing live energies from natural essences. Aura-Soma has been described as a ‘non-intrusive, self-selective soul therapy’. It is a combination of colour and light; the colours you choose reflect the colours of your aura.

  • Ayurveda The traditional Hindu system of medicine, which is based on the idea of balance in bodily systems and uses diet, herbal treatment, and yogic breathing.

  • Bio-Energy Healing

  • Biofeedback

  • Body Harmony Mode of bodywork that allegedly re-awakens one’s natural healing energy and accesses the inner wisdom of the body.

  • Bowen Technique A system of gentle but powerful soft tissue mobilizations using the thumbs and fingers over muscles, tendons, nerves, and fascia to restore the self-healing mechanism of the body; that effectively realigns the body and balances and stimulates energy flow.

  • Brandon Raynor Brandon Raynor’s School of Massage and Natural Therapies teach a massage style developed by Brandon Raynor and drawing on a holistic blend of worldwide massage techniques and philosophies. There is no one set massage treatment in Raynor bodywork as we teach you to tailor the massage to the specific needs of the individual client.

  • Breathwork Refers to many forms of conscious alteration of breathing, such as connecting the inhale and exhale, or energetically charging and discharging, when used within psychoTherapy or meditation. Proponents believe Breathwork technique may be used to attain alternate states of consciousness, and that sustained practice of techniques may result in spiritual or psychological benefits. Breathwork may also relate to optimal healthy breathing in a healing context.

  • Buteyko Breathing Method A form of complementary or alternative physical Therapy that proposes the use of breathing exercises as a treatment for asthma as well as other conditions

  • Chakra Balancing

  • Chi Nei Tsang A hands-on holistic health practice of ancient Chinese Taoist tradition. Following the classical Taoist model, Chi Nei Tsang simultaneously heals the physical, mental, emotional and spiritual aspects of the individual.

  • Colon hydroTherapy An extension of the enema, used for cleansing and detoxification; the entire colon is irrigated with water, which may contain enzymes or herbs, introduced through the rectum.

  • Colonic Irrigation A water enema given to flush out the colon

  • Colour Therapy

  • CPR/First Aid

  • Crystal Therapy

  • Electro Acupuncture The use of electrical micro-current attached to the needles as a means of stimulating the acu-points. Stimulation increases levels of analgesia, promotes tissue repair and healing, and promotes regeneration of nerve fibers in situations where cell bodies of damaged nerves are still vital.

  • Emmett Technique A unique body therapy technique created by Ross Emmett. Treatments incorporate a gentle, physical release of muscle groups while using a verbal approach to create attitude change. The Emmett Technique uses switches and holding points to effect immediate releases in surrounding muscle tissue.

  • Feng Shui

  • Healing Energy It is a holistic approach to assist people in their journey to good health. It encourages the body to draw upon its natural healing ability by opening up the flow of energy, clearing emotional blockages and detoxifying itself.

  • Healing Touch: Commonly known as Therapeutic Touch (‘TT’) or Non-Contact Therapeutic Touch (NCTT). It is an energy therapy which practitioners claim promotes healing and reduces pain and anxiety. Therapeutic Touch is a registered trademark in Canada for the structured and standardized healing practice performed by practitioners trained to be sensitive to the receiver’s energy field that surrounds the body; No touching is required.

  • Herbal Medicine A medicine made from plants and used to prevent or treat disease or promote health

  • Herbalist A practitioner or dealer in medicinal herbs.

  • Homeopathy Homeopathic medicine is a form of alternative medicine that uses very small amounts of natural substances, which in higher amounts would cause a disease. The theory behind this form of medicine is that ‘like cures like,’ and that a substance that causes an illness in a healthy person might cure those symptoms in someone who is ill.

  • Horstmann Technique Also known as Bodywork Therapy (vibrational medicine). It is an energy-based bodywork therapy which is simple to learn but quite precise. The practitioner holds specific points on the client’s clothed body while mobilizing their leg, arm or foot.

  • Integrated Energy Therapy

  • Iridology(in alternative medicine) Diagnosis by examination of the iris of the eye.

  • Iris diagnosis Technique where patterns, colors, and other characteristics of the iris can be examined to determine information about a patient’s systemic health. Practitioners match their observations to iris charts, which divide the iris into zones that correspond to specific parts of the human body.

  • Kinesiology Also known as human kinetics, is the scientific study of human movement. Kinesiology addresses physiological, mechanical, and psychological mechanisms. Applications of kinesiology in human health include physical education teacher, the rehabilitation professions, such as physical and occupational Therapy, as well as applications in the sport and exercise industries.

  • Kinesitherapy Massage

  • Lactation Consultants A health professional who provides breastfeeding support and education. They can be found in hospitals, physician or midwife practices, and in public health programs.

  • Massage – RMT and/or Non-RMT Categories include: Chinese Massage: Specific chinese massage techniques are used on the body to treat and prevent disease. This is achieved by promoting the circulation of Qi and blood and freeing the meridians. Connective Tissue Massage: Deep intensive massage aimed at relaxing tense muscles. Manipulation of the reflexology zones harmonizes the functions of the inner organs. Very suitable if you are highly active and take regular exercise as a relaxing massage, which corrects minor muscle aches. Deep Tissue Massage: Deep tissue massage is designed to relieve severe tension in the muscle and the connective tissue or fascia. This type of massage focuses on the muscles located below the surface of the top muscles. Deep tissue massage is often recommended for individuals who experience consistent pain, are involved in heavy physical activity (such as athletes), and patients who have sustained physical injury. Mobile Massage: Recipient remains in their own environment and the therapist goes to them. They can bring their own dedicated table and their own treatments. Pregnancy Massage: Light touch massage, no manipulation Remedial Massage: Massage techniques such as sports massage, trigger point Therapy and PNF stretching combined for an overall curative approach. Swedish Massage: Swedish massage uses five styles of long, flowing strokes to massage. Swedish massage has shown to be helpful in reducing pain, joint stiffness, and improving function in patients with osteoarthritis of the knee over a period of eight weeks. Thai Massage: Ancient/traditional massage, Traditional Thai massage (Nuad Boran) is generally based on a combination of Indian and Chinese traditions of medicine. It is a unique form of Buddhist physioTherapy that blends yoga, acupressure and reflexology.

  • Meditation A practice in which an individual trains the mind or induces a mode of consciousness, either to realize some benefit or as an end in itself.

  • MORA-Therapy Based on the principal of bio-resonance, which works with the electromagnetic component of the body. All substances, whether living or non-living, emit electromagnetic frequencies based on the amount and rotational speed of their atoms. All bio-chemical processes in a human body and animals are controlled by the “information” carried by electromagnetic oscillations unique to each individual. Patients are connected to the device through two hand and two foot electrodes so that the body energetic status can be monitored continuously. (The electrodes are electrodes in the name only as no electricity is passed through them during the treatment.) The MORA device is able to determine which section of an individual’s spectrum provides the most beneficial Therapy at a particular point in time. The body is then unburdened and strengthened. The patient is treated exclusively with his own specific oscillations. Usually, during the first stage of treatment the whole body is harmonized. In the following steps of treatment, localized areas in the body, for example regions of pain or inflammation, are addressed.

  • Moxibustion A traditional Chinese medicine therapy using moxa made from dried mugwort. Suppliers usually age the mugwort and grind it up to a fluff; practitioners burn the fluff or process it further into a cigar-shaped stick. They can use it indirectly, with acupuncture needles, or burn it on the patient’s skin

  • Music Therapy An allied health profession and one of the expressive therapies, consisting of an interpersonal process in which a certified music therapist uses music and all of its facets—physical, emotional, mental, social, aesthetic, and spiritual—to help clients to improve or maintain their health

  • Myofascial Release Therapy The myofascial release approach is a form of soft tissue Therapy used to treat somatic dysfunction and resulting pain and restriction of motion. This is said to be accomplished by relaxing contracted muscles, increasing circulation and lymphatic drainage, and stimulating the stretch reflex of muscles and overlying fascia.

  • Myopractic Myopractic muscle therapy teaches user-friendly, pain-free therapy for both client and practitioner. Myopractic posture balancing evaluation identifies the source of chronic pain misalignments in the body’s structure and realigns them. Myopractic treatments focus especially on misalignments in the lower body, particularly in the feet, ankles, and the hips. Addressing lower-body misalignments often relieves tension injuries in the upper body.

  • MyoTherapy A form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies. MyoTherapy incorporates not only the trigger point therapy, but also a wide range of soft tissue massage and manipulation including among others: muscle energy technique, dry needling, joint mobilization.

  • Naturopathic Medicine A form of alternative medicine based on a belief in vitalism, which posits that a special energy called vital energy or vital force guides bodily processes such as metabolism, reproduction, growth, and adaptation. Naturopathy favors a holistic approach with non-invasive treatment and, similar to conventional medicine, encourages minimal use of surgery and drugs.

  • Naturopathy

  • Nutritionist

  • Reflexology: Massage, mainly of feet and on pressure points.

  • Reiki Treatment: Reiki is a spiritual practice that uses a technique commonly called palm healing or hands on healing as a form of alternative medicine and is sometimes classified as oriental medicine by some professional medical bodies. Through the use of this technique, practitioners believe that they are transferring universal energy (i.e., reiki) in the form of qi (Japanese: ki) through the palms, which they believe allows for self-healing and a state of equilibrium.

  • Shiatsu

  • Somatic Integration Therapy

  • Speech therapy

Coverage Amounts / Limit Options Available

The following are the specific coverage / limit options available to choose to purchase within this package.

Limit/Coverage Amount  the available limit options and/or highest amount the insurer will pay in the case of a claim. 
Premium – the lowest starting premium amount you would pay to cover your risk. 

Health & Wellness Insurance Coverages

Professional Liability – Included

Malpractice Insurance or Professional Liability Insurance is a must-have for health and wellness related services. Clients may sue you due to negligence, mistake, oversight, or harmful treatment “decisions” etc. The advice that you or your Practitioners / employees provide in-person or online may be targeted and blamed for a client’s subsequent health problems. Whether you physically push a client a little too much or provide “wrong” advice on their treatment plan or diet, this policy can be the difference between your business’s success and failure.

Massage Therapist

Commercial General Liability – Included

General liability insurance serves to protect you from claims due to bodily injury and property damage. If you have patients or members coming to your premises, there is the risk they may injure themselves in some way. This is especially relevant for providers of complementary health services or clinics. A lot of times the limit of insurance is driven by the lease of the premises you operate out of requires. When that is not a factor, then the higher the risk or the severity of the possible physical injury from the type of services offered – the higher your coverage limit should be.


 Contents & Equipment – Optional

Contents or Property Insurance protects the equipment you use for your professional services in the unexpected event that it is damaged (fire, flood, theft). This coverage provides funds to repair or replace your property – allowing you to focus on returning to business.  Examples include furniture, fixtures (flooring, lighting, appliances), and office and computer equipment.


Contents & Equipment Coverage protects health & wellness practitioner's equipment

Legal Advice Phone Line – Included

This free legal advice phone line coverage allows you to have access to unlimited legal advice from 8 am to midnight, 7 days a week. There are many scenarios in which you may run into incidents that you need some quick advice on. A customer tripped in the hallway, what should you do? A dispute with the clinic or studio owner over your rented services room. A contractual dispute with a supplies provider. As a wellness services business, you may run into a number of legal problems throughout a year, whether big or small.

Many people are familiar with the steep per hour costs of hiring a lawyer – this service helps overcomes that issue of not wanting to put out those funds by giving you access to quick, easy, cost-free advice. Ultimately, the legal advice phone line allows you to continue serving your clients with a higher level of confidence and peace of mind.

Privacy Breach & Security Breach Service – Included

This coverage will help you react quickly in the event of a data breach. Imagine your online system is hacked, or your customers’ payment details are stolen. In these unfortunate events, a group of experts will quickly develop a breach response strategy and incident management plan to assist with mitigating the impacts of a potential breach on your business.

Services include:

  • Breach Counseling – To help determine whether a breach has occurred and assess the severity of the incident
  • Crisis Management – Time-saving professional assistance in handling a breach
  • Media Relations Consulting – Public relations assistance to help protect or restore your business’ reputation
  • Legal Support – Documentation of steps taken and remediation services provided

Please Note: This is not a full Cyber legal liability wording. For full coverage, please see: Cyber Liability Information  

Health & Wellness Insurance covers those offering Meditation Services

* All insurance coverage described is intended to be general in nature and subject to the applicable insurer’s specific policy wording, terms, conditions and exclusions. 

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