Professional Liability $2 Million Each Occurrence/ $4 Million Aggregate

Professional Liability insurance protects you if a client claims your services caused harm, did not meet expectations, or resulted in emotional, physical or financial injury.

This coverage applies to claims involving negligence, mistakes, omissions or failure to deliver services as intended - including remote sessions and professional advice.

Your policy is written on an occurrence basis, which means it will respond to incidents that happen while your policy is in effect, even if the claim is filed after the policy lapses - affording you coverage when you need it most.

Your coverage limits apply to you individually - they are not shared with other members, so your protection remains fully available for your practice.

Example: A client claims your coaching session caused them emotional distress and anxiety, requiring ongoing therapy. They sue for $50,000 in damages claiming professional negligence. Your professional liability policy provides defense and pays covered damages up to your $2 million per occurrence limit.

Even with the highest standards of care, misunderstandings or unexpected outcomes can occur. This coverage helps safeguard your practice, professional reputation, and financial stability so you can continue serving your clients with confidence.  

General Liability $2 Million Each Occurrence/ $4 Million Aggregate

General Liability insurance protects you if someone is injured or property is damaged in connection with your business operations or practice location.

This includes situations such as a client slipping or falling in your workspace, accidental damage to a client’s belongings, or injuries that occur during an in-person session or event. This coverage applies on an occurrence basis, meaning incidents that happen during your policy period are covered even if the claim is filed after a policy has lapsed.

Your liability limits are dedicated to you and are not shared across the membership, ensuring your coverage is available when you need it.

Example: A client slips and falls in your office, sustaining a broken wrist requiring surgery and physical therapy. The client's medical bills total $15,000 and they claim lost wages of $5,000. Your General Liability coverage would respond to defend the claim and pay covered damages up to your $2,000,000 per occurrence limit.

Because accidents can happen in any setting, this protects you against claims of bodily injury or property damage. In addition, the cost of investigating and defending lawsuits is above the liability limit.

General Liability Includes:

• Products Completed Operations - $4 Million Aggregate
• Advertising and Personal Injury - Included
• Damages to Property Rented to You - $300,000
• Medical Expenses, up from $1,000 to $5,000 Any one person
  

Products Completed Operations 

This coverage only applies to products you use as part of, or to deliver your professional services. It does not extend to products you manufacture or mass- produce.

Coverage Limit
Included within your $4,000,000 general liability aggregate.

Advertising and Personal Injury 
This coverage is designed to protect you if a claim arises from promotion or communication to others about your services.

It may apply to claims involving:

- Libel or slander (written or spoken statements that harm someone’s reputation)
- Invasion of privacy
- Use of copyright, trade dress or slogan without permission
- Misuse of another person’s advertising ideas or content

This protection applies to activities such as your:

- Website content
- Social media posts
- Marketing materials
- Promotional messaging

Coverage
Included as part of your general liability policy. This coverage does not apply to intentional wrongdoing or known violations.

In today’s digital world, even unintentional mistakes in marketing or online content can lead to claims. This coverage helps protect you so you can promote your services with confidence.

Damages to Property Rented to You

This coverage pays for damage to a space you rent or temporarily use for your practice if the damage is caused by a covered incident, such as fire, smoke, water, or accidental events.

It applies to locations such as:

- Treatment rooms
- Office or studio space
- Classrooms or workshop venues
- Short-term rental spaces used for sessions or events

Coverage Limit
Up to $300,000 any one location.

Unlike many policies that limit coverage to spaces rented for 7 days or less, this coverage applies to rented premises without restrictive time limits, providing broader protection for ongoing or long-term use.

If you rent space, accidental damage could result in significant repair costs. This coverage helps protect you from out-of-pocket expenses and supports professional relationships with landlords and venue owners.

Medical Expenses
This coverage is intended for minor medical expenses if a client or visitor is accidentally injured on your premises or during your covered services - regardless of fault.

Immediate care such as:

- First aid
- Ambulance services
- Emergency room visits
- Minor medical treatment

Unlike General or Professional Liability this is a no-fault provision that is provided as a means to resolve minor incidents quickly and professionally.

Coverage Limit
Up to $5,000 per person

This coverage helps address small accidents promptly, reducing the likelihood of larger claims while reinforcing your commitment to the safety and professional care of your client.

Assault and Battery $25,000 per occurrence

Assault and battery liability insurance provides coverage for legal defense costs, settlements, and medical expenses arising from allegations of physical contact, threats, or harm involving clients or staff. Because many general liability policies exclude claims related to force or violence, this coverage helps fill an important gap.

For energy healers, the actual risk of such incidents is very low. However, in today’s highly litigious environment, claims can arise from how an interaction is perceived rather than what actually occurred. This coverage offers an added layer of protection, helping safeguard your practice against allegations, including those involving perceived force or emotional distress - so you can work with greater confidence.

Coverage Limit
Up to $25,000 per occurrence

This protection helps address rare but serious situations involving a third-party claim against you.

Identity Theft $25,000 per policy period

This endorsement reimburses certain out-of-pocket expenses to reestablish your identity if you experience identity theft related to your covered activities.

Coverage includes reasonable costs associated with restoring identity, such as:

Notarizing affidavits

Certified mailing of documents

Loan or credit reapplication fees

Coverage Limit
Up to $25,000 per policy period for all insureds combined.

No deductible applies.

Important Clarification

Identity theft can be stressful and time-consuming to resolve. This endorsement helps support your recovery efforts and expenses after identity theft. This coverage does not replace money or funds lost in an identity theft claim.

Business Personal Property (BPP) -$10,000

Business Personal Property (BPP) protects the movable items you use in your practice if they are damaged or lost due to a covered event.

This includes items such as:

- Massage tables and chairs
- Healing tools and devices
- Office equipment and computers
- Linens, supplies, and practice materials

Coverage applies to property used in your practice at locations such as:

- A home office
- Rented treatment rooms
- Studios, wellness centers, or gyms
- Workshop or class locations

Included Coverage

$10,000 Unscheduled Business Personal Property – Items do not need to be listed.

Higher limits are available if your equipment value exceeds the included amount.

Example: A fire in your rented treatment space damages your massage table ($2,000), sound healing equipment ($3,000), and supplies ($1,000). Your Business Personal Property coverage would pay to replace these items minus your $500 deductible, up to your selected coverage limit.

Your tools are essential to your work. This coverage is to repair or replace important equipment so you can continue serving clients after a covered loss.

Business Income & Extra Expense (BI/EE) - $10,000

Business Income & Extra Expense coverage is crucial to protect your ongoing business operations in the event your practice is temporarily unable to operate due to a covered loss that affects your ability to work, or workspace.

This coverage applies to:

- Lost income while you cannot provide services
- Expenses such as rent or utilities
- Extra costs to resume operations or relocate temporarily

Included Coverage

$10,000 Business Income & Extra Expense

Higher limits are available if your practice depends on greater income protection.

If an unexpected event disrupts your ability to see clients, this coverage helps stabilize your finances so you can focus on reopening and continuing your work.

Deductible - $500 per claim

Business Personal Property Deductible

$500 per claim

A deductible is the amount you pay out of pocket before insurance coverage applies to a covered loss.

This deductible applies to property-related claims, such as damage or loss of equipment.

Knowing your deductible helps you plan for unexpected expenses and understand when coverage begins.

Higher Limits Available to Purchase - Up to $50,000 TIV

Higher property and income coverage limits are available if your practice requires additional protection.

Business Personal Property, any single item with a value of $10,000 or more must be scheduled/specifically listed for coverage to apply.

Available Coverage

$25,000 BPP/BI/EE coverage available for $397.84  (includes tax)

$50,000 BPP/BI/EE coverage available for $795.68  (includes tax)

If you rely on specialized equipment or have higher income exposure, increased limits can provide greater financial security.

Accidental Death, Dismemberment & Paralysis - Up to $50,00 per loss ($25k death)/$500k aggregate

This coverage provides financial support if a client, student, participant or volunteer suffers a severe injury or death as the direct result of an accident during a covered service or activity.

Benefits apply to:

- Accidental death
- Loss of a limb, hand, foot, sight, speech, or hearing
- Paralysis (such as paraplegia or quadriplegia)

If a covered accident results in one of these serious losses, the policy pays a set benefit to the injured person or their beneficiary.

2026 Coverage Limits

Accidental Death: $25,000

Accidental Dismemberment: Up to $50,000 depending on the loss.

Accidental Paralysis: Up to $50,000

If multiple losses occur from the same accident, the policy pays the highest applicable benefit.

Accidental Medical Expenses - Up to $25,000 per participant, per accident

This coverage is intended to pay for medical care if a client, student, participant, or volunteer is injured in an accident while receiving your services or taking part in a covered activity.

It covers reasonable and necessary medical expenses that include but are not limited to:

- Emergency room care
- Doctor visits
- Hospital services
- X-rays and diagnostic tests
- Ambulance services
- Follow-up treatment
- Accidental dental treatment (when related to the injury)

2026 Coverage Limit
Up to $25,000 per participant, per accident

Deductible
$500 per covered injury

First covered expense time limit
Must be within 180 days of the accident

Benefit Period
Eligible medical expenses are covered for up to 52 weeks from the date of the accident.

This coverage helps to ensure your clients can receive prompt medical care if an accident occurs - supporting trust, safety, and peace of mind for everyone involved.

Accidental Dental - Included in Accidental Medical Coverage

This coverage is considered part of the Accidental Medical and pays for dental treatment if a client, student, participant, or volunteer sustains a dental injury during your services or activities.

Examples may include:

- Broken or chipped teeth
- Emergency dental treatment
- Repair or replacement of damaged teeth

Accidental dental care is included as part of the Accident Medical Expense benefit, subject to the same limits and deductible.

Coverage Limit
Included within the $25,000 per participant, per accident medical expense limit.

Deductible
$500 per covered injury

First covered expense time limit
Must be within 180 days of the accident

Benefit Period
Eligible dental expenses are covered for up to 52 weeks from the date of the accident.

Dental injuries can be unexpected and costly and by including dental care within the medical benefit coverage there is no per tooth no sub-limit. This ensures that your clients can receive timely treatment while reinforcing your commitment to responsible care.

Deductible - $500 per covered injury

For the accident coverage to apply, there is a $500 out of pocket portion that must first be paid per covered injury by either the practitioner or injured party.

After that amount is met, the policy reimburses covered expenses up to the plan limits.

Understanding the deductible helps you set clear expectations with clients and reinforces transparency and professionalism if an accident occurs.

Benefit Period - Up to 1 year from date of accident

The benefit period is the length of time after a covered accident during which eligible medical expenses may be reimbursed.

For this policy, the benefit period is:

Up to 52 weeks (1 year) from the date of the accident

This means covered medical expenses related to the injury can be eligible for reimbursement for up to one year, as long as treatment occurs within that timeframe.

Because some injuries require follow-up care over time, this extended benefit period helps ensure your clients can receive ongoing treatment while maintaining confidence in your professional standards.

Cyber Protection Plan - $149/year provides $100,000 per claim

This plan includes membership education, Cyber Safety Audit (coming soon) and cyber liability insurance coverage. Available for Professional and Premium Membership Levels.

This optional coverage provides protection if sensitive client information is stolen, or exposed due to a cyber incident.

Situations such as:

- A data breach involving client records
- Hacked email or scheduling systems
- Unauthorized access to personal information

Protecting the confidentiality of your clients personally identifiable information is regulated by statutes and regulations. In the event of a breach there are remedies you are legally required to make along with other expenses and this coverage assists with those associated costs.

Such as:

- Legal fees
- Costs and Expenses for providing required notifications
- Computer Forensic costs of outside experts
- Retaining Credit Protection Services for your clients
- Expenses to mitigate harm to your brand or reputation
- Customer Notification Expenses
Public Relations Expenses

Coverage

$100,000 per privacy claim

$250,000 aggregate

$149 per year

Deductible: $1000

Example: Your client scheduling system is hacked, exposing personal information of 100 clients including names, addresses, and health information. You incur $8,000 in notification costs, $5,000 in forensic investigation, and face a $25,000 privacy lawsuit. Your Cyber Security coverage would respond up to the $100,000 per claim limit.

If you store client information electronically, this coverage helps manage the financial and legal impact of a data breach. 

Sexual Abuse & Misconduct (SAM) Protection Plan $169/year includes limits of $50,000/$100,000 coverage

Sexual Abuse & Misconduct (SAM) Protection Plan includes e-book Effective Sextual Misconduct Risk Management, Practice Checklist (coming soon), and abuse and molestation liability insurance coverage. Available for Professional and Premium Membership Levels.

This optional coverage provides protection if a claim of sexual misconduct or abuse is alleged in connection with your professional services.

Coverage

$50,000 per occurrence

$100,000 aggregate

Cost $149 per year

Deductible: none

Recommended for hands-on or touch-based therapies.

This coverage helps protect you if an allegation, whether actual or unfounded, arises from physical contact during a session.

Even unfounded allegations can require legal defense and may impact your reputation. This coverage helps protect your practice and provides support if the unexpected occurs.

Additional Business Personal Property and/or Business Income/Extra Expenses Coverage - $25,000 $398 per year/$50,000 $796 per year

This additional coverage is available for Professional and Premium Membership Levels.

This optional coverage increases protection for equipment and business property used in your practice, such as:

- Massage tables
- Healing tools or devices
- Office equipment

Supplies and materials

Coverage Options

Increase limit to $25,000 for an additional $397.84 (includes tax)

Increase limit to $50,000 for an additional $795.68 (includes tax)

Any one item valued over $10,000 must be specifically listed on the application.

If your equipment is essential to your work, higher limits can help you recover quickly after a covered loss

Additional Business Personal Property and/or BI/EE Coverage - $25,000 $397 per year/$50,000 $793 per year

This additional coverage is available for Professional and Premium Membership Levels.

This optional coverage increases protection for equipment and business property used in your practice, such as:

- Massage tables
- Healing tools or devices
- Office equipment
- Supplies and materials

Coverage Options

Increase limit to $25,000 for an additional $396.41 (includes tax)

Increase limit to $50,000 for an additional $792.91 (includes tax)

Any one item valued over $10,000 must be specifically listed on the application.

If your equipment is essential to your work, higher limits can help you recover quickly after a covered loss

Additional Insured Free - No Extra Fees

This option allows you to add a landlord, facility, event venue, or organization to your policy as an additional insured.

By adding them, you are extending certain liability protections to that party for claims arising from your professional services at their location as specified in a written contract.

Cost

Unlimited additional insured included at no extra fees for the Professional and Premium Membership Levels.

You may be asked to add an additional insured when:

- Renting treatment or office space
- Teaching classes or workshops at a venue
- Providing services at hospitals, wellness centers, or gyms
- Hosting events or participating in community programs

Coverage applies only to liability arising from your services - not the venue’s independent operations.

Many venues require proof of additional insured status before allowing you to provide services. This option helps you meet those requirements quickly and maintain professional relationships.

Additional Coverage Information

• Must reside in the United States

• Coverage available in all 50 U.S. states

• No deductibles for general or professional liability

• The Professional and General Liability insurance provides coverage wherever you practice—office, client sites, seminars, conventions, healthcare facilities, spas, or while traveling within the U.S. The professional liability offers world-wide protection if you are working abroad for a short period of time provided suit is brought in the United States.

• Coverage starts as soon as your application is approved

• Occurrence-based policy: Covers any incident during your policy period, even if the claim is made years later, after your policy expires.

• Internet, phone and Zoom sessions are covered (note: internet confidentiality breaches, like HIPAA violations, are excluded)

• Only therapeutic activities are covered; entertainment-based services like psychic readings or fortune telling are excluded

• Insurance coverage is for a one-year term, once the Certificate of Insurance is issued it is non-cancelable and non-refundable

Main Policy Exclusions/Limitations

Policy Exclusions and Limitations

Like all insurance contracts, the insurance provided under the Energy Medicine Professional Associations insurance policy contains exclusions and limitations that reduce or eliminate coverage for certain types of claims. A copy of the policy is available on the portal for members to examine for an understanding of how and under what circumstances your insurance applies. If there are any portions of your policy that you do not understand, please contact us for an explanation. Some but not all, of the policy exclusions are summarized below:

Definitions:

Energy Medicine activities are defined as the evaluation and manipulation of the human energy field, using the client's or practitioner's energy field to effect a change in the client’s energy field and overall mental, emotional, physical or spiritual health.

Coaching is intended to help normal, healthy individuals achieve personal goals such as increased happiness, weight loss, improved work-life balance, etc. In coaching, a client works with a coach who is not a healthcare professional to clarify goals and identify obstacles and problematic behaviors in order to create action plans to achieve desired results.

A common misconception is that coaching is the same as therapy, when in fact they are quite different. This insurance program is for coaching and not therapy.

Therapy (counseling or psychotherapy) is intended to help people recover from emotional or other psychological disorders such as depression or anxiety. Therapy is a long-term process in which a client works with a healthcare professional to diagnose and resolve problematic beliefs, behaviors, relationship issues, feelings and sometimes physical responses. Therapists are licensed professionals.

Misrepresentation of activities outside the scope of the policy as covered constitutes fraud and will void the insurance.

Exclusions:

Licensed professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse midwife, x-ray therapist, radiologist, psychiatrist, psychologist, LCSW, counselor, therapists, chiropodist, chiropractor, physical therapist, optometrist, dietitian. Practitioners licensed in one or more of these areas would be covered for their Energy Medicine practice but would not be covered for licensed activities under this policy. Massage therapy, acupuncture and hypnotherapy are covered licensed activities provided they are within the scope of the policy and do not include any other excluded activities.

• Financial or legal advice

• Businesses are not covered by this policy except as separate entities for liability arising directly from the covered activities of the insured individual.

• Any practices that are invasive in nature, that diagnose, prescribe drugs, or make curative claims.

• Esthetics services, chemical skin enhancement, ear candling

• Laser Treatment. This exclusion does not apply to any treatments using laser pointer.

• Liability for the function or malfunction of an electronic or electro-mechanical device designed to affect treatment is the responsibility of the manufacturer or seller of that device.

• Infrared Saunas, Steam rooms, sweat lodges and steam therapy

• Sexual services or work involving unclothed clients, including sex surrogacy, surrogate partner therapy, sex coaching is not eligible for coverage. Licensed activities with appropriate draping for unclothed clients are an exception.

• The sale of products you manufacture, or which are sold under your brand or label

• Any professional or elite athletic coaching, combat training, martial arts or high-risk physical activity.

• Breach of confidentiality over the internet is excluded from this policy. Cyber liability is available through an enhanced membership package.

• Non-therapeutic activities such as psychic readings and fortune telling are not covered.

• Ministerial duties beyond spiritual counseling, including wedding ceremonies.

• Any session or service that uses, incorporates or is provided in connection with controlled substances including psychedelics, cannabis (including CBD), ketamine or any others as defined by US law.

• Enclosed flotation with sensory deprivation

• The mass production and distribution of products, including hard copy of recorded sessions or education, is excluded. Recorded services or education coverage only applies to the presented information related to your covered profession.

Revised: April 2026 EMPA

Terms and Conditions of Insurance

I hereby state that I have no knowledge of any incident, pending claims, suits, or other ethics violations nor have any been filed against me in the past pertaining to my practice as a practitioner, that no certifications or licenses have been revoked, and that I have never been arrested for or been charged with any sexual violation.

I understand that this application is subject to approval with no automatic inclusion in the program. My digital signature shall verify that I have completed this application accurately and honestly and that I agree to provide proof of training should I be asked to provide it in the event of a claim.

I understand that if my application is approved, the premium/fees paid by me are nonrefundable, nontransferable and will not be prorated. This application is for liability coverage which is in force for one year from the date of approval. Denied applications will be refunded less any associated fees resulting from the method of payment (i.e. credit card charges).

I understand and agree to pay a fee or $35 or 10% of the cost of the transaction, whichever is greater, for returned checks or for credit card payments that are either disputed or refunded by a third party.

I understand that I am responsible to verify that the coverage is appropriate to my training and professional activity, and that activities outside the scope of coverage of the policy are not covered. Specific coverages and exclusions are determined by the policy and the list of exclusions and limitations. I understand that a member's copy of the insurance policy is available on the member portal.

Energy Medicine activities are the evaluation and manipulation of the human energy field, using the client's or practitioner's energy field to effect a change in the client’s energy field and overall mental emotional physical or spiritual health. I understand that activities outside the scope of providing energy medicine treatments are not covered except as described in the policy. Representation of activities that are outside of this scope as Energy Medicine modalities or methods constitutes fraud and will void the insurance.

I understand that any false statement made on this application or subsequent renewals shall void this application and render my insurance coverage null and void.

I understand that equipment used in the evaluation or treatment of the human energy field is not covered for liability arising from the function or malfunction of such equipment.

I have read, understand and agree to follow the EMPA Code of Ethics and understand that activities outside the EMPA Code of Ethics may void coverage.

Code of Ethics

I understand that the comprehensive coverage provided by EMPA covers liabilities that result from my actions as an individual professional practitioner and associated general liability.

I understand that businesses are not covered by this policy except as a separate entity for liabilities arising directly from the covered activities of my professional practice. I understand that the business name can be listed on the application only for the sole purpose of promoting my professional practice in the Practitioner Directory.