Insurance Coverage for Energy Healers: Events, Workshops & Speaking Engagements

Understand how liability insurance protects you during retreats, workshops, training, and public speaking engagements.

Are you confident that your insurance has you covered for every event and retreat you plan to host? What happens if you’re invited to speak at an event, or you want to lead a workshop or retreat?

These opportunities are exciting—a chance to branch out and showcase your expertise in the energy medicine field! Yet it behooves us all to keep in mind that events and the like often come with additional risks.

We are here to answer these questions—and then some. At a high level, here’s the good news: your professional and general liability insurance provides a solid foundation for most professional activities as an energy healer.

With that established, let’s go deeper and explore what liability insurance typically covers, where additional coverage might be needed, and the extra steps you can take to ensure you’re fully protected—no matter where your practice takes you.

What’s Covered? Your Insurance Foundation

Your professional and general liability insurance forms the baseline protection you need for most professional activities as an energy healer. Whether you’re presenting your expertise at someone else’s event, conducting a training, or running a workshop in your local office, this policy ensures you’re protected in critical ways.

Let’s say you’re a guest speaker or presenter at a retreat in Florida:

• You’ve been invited to lead an energy healing demonstration, and a participant claims they were emotionally harmed by your session. In this scenario, coverage would fall under the professional liability portion of your insurance.
• During your workshop at a rented venue, you move a piece of equipment across the floor, and it rips the carpet. General liability insurance applies in this case, providing coverage for property damage caused by your actions.

These examples illustrate how professional and general liability insurance provides critical protection for energy healers in a variety of settings. If we take a glance at coverage through EMPA, your policy follows you anywhere you practice in the U.S., ensuring you're protected; for most energy healers, this coverage is sufficient for the majority of professional activities.

What’s Not Covered? Understanding Your Limits

Hosting an event or retreat comes with unique risks that may fall outside your standard professional liability policy. Anything beyond delivering your core services—like providing food, hiring staff, or covering venue-related issues—should be carefully reviewed to determine if special event insurance is needed.

Here is an example of what to consider:

• Food and Catering: Providing meals introduces risks like food allergies or food borne illnesses, which may require additional coverage.
• Hired Staff: If you bring on temporary help, their interactions with participants may not be covered under your existing policy.
• Venue Liability: Confirm with the event coordinator whether the venue’s policy covers potential risks, such as accessibility issues, ice-related accidents, or general mishaps.

For a comprehensive review of your event needs, consult with the venue and explore options for event-specific insurance, like those offered by Eventsured. Their resources can help you find the right coverage to minimize risk and ensure your event runs smoothly.

Planning Ahead: Options for Event Hosts

If you’re hosting an event or retreat, your professional liability insurance is a great start, but it’s wise to consider supplementing it with additional event-specific coverage. Here are some options to protect yourself and your event:

1. Event-Specific Insurance: This type of policy may help to cover risks like food, lodging, and hired staff, offering protection for aspects outside the scope of professional liability insurance.
2. Business General Liability: An alternative to event specific insurance would be a business general liability policy. Business general liability has much broader coverage, but comes at a much higher price because there is substantially more risk than for an individual practitioner.
3. Participant Agreements: Use waivers and registration forms to clearly outline expectations and document informed consent. While waivers can strengthen your legal protection, they do not guarantee immunity from liability.
4. Venue Coordination: Work with your event location to understand their insurance requirements and ensure any gaps are addressed.

By adding these layers of protection, you can host events knowing confidently that you’ve taken steps to minimize risk.

Why Professional Liability Insurance Remains a Must-Have

Even when additional policies are necessary, professional and general liability insurance remains the backbone of your protection. At EMPA, we’re proud to offer insurance that’s specifically designed for energy practitioners. This type of specialized coverage is designed to meet the evolving needs of energy healers, giving you the confidence to expand your practice and share your work safely.

What’s Next? Confidently Share Your Practice

Events and retreats are exciting opportunities to grow your practice and connect with more people. With the right coverage in place, you can focus on creating impactful experiences, knowing you’re protected from the unexpected.

Ready to take the next step? Explore EMPA’s insurance options and learn how to confidently share your work—whether it’s at a local workshop or a retreat across the country!

Disclaimer: This article is for educational purposes only and does not provide legal or medical advice. The examples are general, and coverage may vary by policy. Always refer to your insurance provider or policy language for specific details, as the policy terms take precedence. For legal concerns related to your practice, consult an attorney.