What Energy Healers Need to Know About the Cost of Liability Insurance

The Questions Behind the Price Tag

Caring for your Energy Healing practice involves much more than just the energy work itself. There is marketing, scheduling, accounting, and maintaining your work space.  So when something like professional liability insurance comes up, it’s only natural to ask:

“Do I really need this?”
“Is it actually worth the cost?”

Nearly everyone who owns a small business has likely had the same questions.

Knowing where to invest your money, and where not to, is one of the most important skills a business owner can have.

It is even more critical with new businesses in the early stages of growth.

With that said, EMPA works directly with energy practitioners, and we are practitioners, too! So we are aware of the concerns that many energy healers may have about insurance, particularly if you work solo, have a small practice, or have never had a claim before and feel your risk exposure is low.

Want to know who’s looking out for you? EMPA was founded by people who understand this work from the inside out. Meet the team and see why we’re so committed to supporting your practice.

It is also helpful to keep in mind that deciding whether or not to carry insurance isn’t only about the cost of the product, but what you’re protecting by choosing to have that coverage.

You may have heard it before, but it is the truth when we say you don’t know what you don’t know.

Accidents can and do happen. A simple lack of protection can be an enormous risk to your business, your income, and even your lifestyle.

If something does happen, you’ll wish you hadn’t gone without it.

In this article, we’ll walk through what professional liability insurance covers, what it costs, and why making sure you are covered might be one of the most important business decisions you make as a practitioner.

What Liability Insurance Can Do for You

Let’s start with what this insurance really does – because once you understand that, the cost starts to make a whole lot more sense!

Although most professional associations, including EMPA, refer to it as professional liability insurance, this may also include both professional and general liability coverage in one package. That means you're covered for claims related to the professional services you provide as well as accidents that happen in the space where you provide them.

Here are a couple of examples to show the difference:  

Professional liability might come into play if a client accuses you of causing emotional harm during a session. General liability would step in if someone tripped on a rug in your office and injured themselves. Both kinds of protection work together to support you and your business.

Even if a claim never results in a payout, legal fees alone can be financially devastating. Insurance helps cover those costs, so they don’t fall squarely on your shoulders.

When you compare the cost of insurance with the amount you could be faced with paying out of your own pocket, the answer is clear. The cost is so small that it is simply not worth the risk to go without insurance.

We don’t want you to feel like this kind of protection is about expecting the worst. Rather, it’s about having a reliable support system in place so you don’t have to second-guess your safety.

“Check, please!”

Now that we know EMPA bundles both professional and general liability insurance together, and you have a better idea of how it safeguards you and your work…it’s time to get to the question at the heart of this article: What is this going to cost me?

Fortunately, when it comes to evaluating your business expenses, your liability insurance is quite affordable!

For most energy medicine practitioners, it’s less than $30 a month.

That’s it.

Policies typically cost around $150–$400 per year, depending on the level of coverage and benefits included.

When you break it down, the cost is about the same as:

• A booking software subscription
• One new client session
• A few takeout meals per month
• Decor for your office

And unlike some of those other business expenses, this one protects your practice, your income, and your future.

Even better? It’s usually considered to be a tax-deductible business expense, which means you can write it off at the end of the year. (Make sure to ask your accountant or a financial consultant to better understand business expenses!)

Now, there are policies out there that cost much more, but that’s usually because they’re designed for licensed professionals in high-risk professions.

Energy healing doesn’t fall into that kind of pricing, especially when you choose a provider like EMPA that understands your actual scope of work.  

You can learn more here:  Liability Insurance for Energy Healers: Cost, Coverage, and the Real Price of Going Without.

In short: coverage is affordable, accessible, and made for your profession.

Now, we recognize everyone may be in different chapters of life. If at this time, $30/month feels out of reach, consider taking a closer look at your pricing, client flow, or business structure—because protecting your practice shouldn’t be the part that breaks the budget.

“It Wouldn’t Happen to Me”

Most practitioners who carry insurance do not do so because they expect to be sued. They carry it because they know things can happen that are completely outside their control.

We know you work with integrity and care about your clients – and they likely care for you too! Yet this doesn’t guarantee that someone won’t file a complaint, misinterpret an experience, or feel they were harmed in some way.

Most of the claims we see aren’t from obvious mistakes. They’re misunderstandings, miscommunications or unexpected reactions. Sometimes it’s not about your healing work at all – it could be about the space you rented, a slip on a floor, or a form that wasn’t worded quite right.

Without coverage, these incidents become your financial responsibility.

And the cost? It’s not just the claim itself. It’s the legal response. The time. The energy. The stress. Even the process of defending yourself can cost thousands.

Think a claim could never happen to you? Most energy practitioners do—until it does. Protecting yourself means planning for the unexpected. Learn more in: 5 Common Legal Pitfalls Energy Medicine Practitioners Must Avoid.

What other benefits come with  Liability Insurance?

EMPA is proud to stand out uniquely in the field of providing liability insurance.

Why? We’re glad you asked!

We tailor this combined coverage specifically for energy medicine professionals. We’re part of this field ourselves, and our policies reflect the real-world situations you face, not just generic templates built for other industries.

Curious if your modality is covered? EMPA offers liability coverage for a wide range of energy-based and integrative practices. Check our list of approved modalities here.

EMPA membership includes not just insurance, but ongoing resources, community support, and an association built entirely around the needs of energy workers.