Do I Need Liability Insurance If I Only Offer Remote Energy Healing?

If you are an energy healer, spiritual healer, or practice modalities like Reiki or Chakra Balancing, and you do not work in person, do you really need liability insurance to protect your remote practice?

After all, you’re not touching clients and you’re not sharing physical space. Isn’t remote energy healing basically low-risk?

At EMPA, we recommend liability insurance for all energy healing practitioners, including those who work exclusively remotely. Not because it’s always legally required, but because remote sessions still involve responsibility and potential for complaints or claims.

Remote doesn’t mean risk-free.

In this article, we’ll break down the specific risks that come with remote energy healing, what liability insurance actually protects you from when you work online, and how to make sure your practice is covered — without overcomplicating things.

Liability Insurance for Remote Energy Healers

Liability insurance isn’t just for hands-on professions. It exists to protect practitioners from the kinds of claims that could arise in a professional setting.

Most energy healers need two types of coverage:

• Professional liability covers claims related to the service you provide. That may include allegations of negligence or emotional harm. Even if you feel you feel confident in a session, a client’s perception of harm may be enough to trigger a claim.

• General liability protects against accidents or incidents that happen as part of running your practice, like a personal and advertising injury claim.

Even if you’ve never had an issue, liability insurance exists to help when the unexpected happens. It gives you a safety net, so a misunderstanding doesn’t become a professional crisis.

It’s better to have it and not need it, than to need it and not have it.

💡EMPA offers a single policy that bundles both professional and general liability insurance, plus a membership that’s designed specifically for energy healers, Reiki practitioners, spiritual healers, and other holistic modalities.

Want to see if your modality is covered? Check out our list of pre-approved practices here.

Common Risks in Remote Energy Healing

It’s easy to assume that if you’re not in the same room as your client, there’s nothing that could go wrong. But let’s look at what remote sessions involve:

• Emotional support and energetic work, often around sensitive topics

• Communication via video or phone, where tone or intent can be misread

• Technology that can glitch or fail mid-session

• Clients who may come in with pre-existing expectations

• Clients joining from a space that doesn’t ensure total privacy

💡For remote healers, the concern is usually less about physical injury and more about miscommunication, perceived emotional harm, or ethical misunderstandings.

Many healers have a hybrid practice, working with clients both remotely and in-person, in which case it becomes all the more critical to ensure your practice is protected.

Tips for Running a Safe Remote Healing Practice

Insurance is one important piece of a safe remote practice, but it’s not the only one. Practicing remotely requires intentional setup, preparation, and communication.

Here are a few safe practice tips to help you start:

• Use Informed Consent for All Remote Energy Healing Sessions: A signed consent form helps set clear expectations and reinforces your professionalism.

• Protect Client Privacy in Virtual Healing Appointments: A gold standard of practice is to use a HIPAA-compliant platform, when possible.
• Document Every Session: Take a few minutes after each session to note what happened.
• Set Up a Professional Healing Space: Your camera angle, lighting, attire, and environment are all a part of the client’s full experience.

💡For a complete walkthrough of remote session protocols, forms, privacy standards, and risk considerations, download the EMPA Remote Practice Guide. It’s designed to help you put the right systems in place without guesswork.

What’s Next: Get the Full Remote Practice Guide to Protect Your Business

You now know that even remote sessions carry risks. Remote healing doesn’t mean you're shielded from emotional claims, misunderstandings, or legal complaints.

Without coverage, you’re left to navigate these situations alone (often under stress, and sometimes with serious financial consequences).

Protection in the background means fewer distractions and more energy in the foreground for the services you offer.

If you want to make sure your remote practice is protected, your next step is to download the Remote Practice Guide. It walks you through ethical protocols, do’s & don'ts, session prep, and the common oversights that could put you at risk.

EMPA exists to support professionals like you — with liability coverage, tailored resources, and a community that understands the unique needs of holistic practitioners. You don’t have to wonder if you’re doing it right. We’re here to help you build a practice that’s not just effective, but protected.