Seasoned practitioners realize that even though it is unlikely they would be sued or named in a lawsuit, it is not worth risking your career or finances. Given today's economic climate, with increasing lawsuits and increasing costs to defend a claim, it is more important than ever to protect yourself. Even if you have done nothing wrong, just defending yourself can have a huge financial impact on you and your business!

Why take this risk when excellent protection is so affordable?

EMPA insurance is specifically designed for the Energy Medicine professional and their practice. This liability insurance is for the professional liability of the practitioner or instructor while practicing or teaching their modality with an individual or class. This is not a business policy. Your business is only covered for liabilities arising from your professional activities. Must be a United States resident. Upgrade at any time during the policy year.


Coaching vs. Therapy

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. Therapist are licensed professionals.

Coaching, on the other hand, 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.


There are three levels of coverage to choose from. Each vary in terms of how many hours a week you practice and how many people you see at one time - individual clients or groups that you facilitate or teach.

Choose Your Coverage

Covering Over 125 Different Modalities

Click Here to See Eligible Modalities

Standard

$245

Standard Annual Insurance Policy
+ EMPA Membership

  • Coverage suited for Energy Medicine students and part-time practitioners working less than 6 hours per week.
  • Allows for classes or sessions with up to 9 in-person participants.
  • No participation limits for online sessions or classes.
  • ​Upgrade at any time during the policy year.

MOST POPULAR

Professional

$275

Professional Annual Insurance Policy
+ EMPA Membership

  • Coverage suited for Energy Medicine students and practitioners working more than 6 hours per week.
  • Allows for classes or sessions with up to 9 in-person participants.
  • No participation limits for online sessions or classes.
  • Upgrade at any time during the policy year.
  • Equates to less than $23 a month.

Premium

$385

Premium Annual Insurance Policy
+ EMPA Membership

  • Coverage for any practitioner working with large, in-person groups with over 9 participants.
  • Allows for classes or sessions with 1-99 in-person participants.
  • No participation limits for online sessions or classes.
  • ​Level change can be made at renewal.

Comprehensive Coverage

EMPA liability insurance includes comprehensive coverage. If you are named in a lawsuit, an experienced attorney will represent you. Whatever the outcome, this policy pays for legal fees, court costs, and any judgments involving claims or allegations as outlined in the coverage description. Liability insurance:

  • Pays for accidents that cause injury to your clients such as slip and fall
  • Pays for negligence due to misconduct or lack of skills
  • Protects you from suits involving libel, slander or invasion of privacy
  • Covers claims made against you for damage or injury resulting from a product you used on a client
  • ​​Covers damage to your rented work space
  • ​​Covers legal defense cost if you are sued
  • ​​Occurrence-form coverage, which protects you from late-filed claims. This added feature helps safeguard your business—and your peace of mind.
  • ​​​Fulfills your professional responsibility to your client!

Sure, you can find cheaper insurance coverage elsewhere. But are you sure you're protected? Not all insurance policies are the same and not all insurance companies will understand your practice. If you do experience a claim, you can expect knowledgeable, empathetic assistance to help you expedite the rapid resolution of your claim. Knowing that EMPA is here to support you, lets you focus on what's most important—building your successful practice and serving your clients.

Policy Coverage

Coverage:
Professional Liability
similar to malpractice

Professional liability insurance is coverage that protects business professionals from claims of negligence, misconduct or lack of ordinary skill related to the services they provide. Coverage will respond to incidents arising from the coverage period regardless of when those claims are reported. (Occurrence)

Coverage Limits
$2 million per occurrence
$4 million annual aggregate


Coverage:
General Liability

Covers claims for injuries that occur at your place of work, including trip and fall and property damage caused by direct or indirect actions of the insured. Coverage will respond to incidents arising from the coverage period regardless of when those claims are reported. (Occurrence)

Coverage Limits
$2 million per occurrence
$4 million annual aggregate

Coverage:
Personal and Advertising Injury

Protects you from suits involving libel, slander, false advertising or wrongful invasion of privacy.

Coverage Limits
$2 million per occurrence
$4 million annual aggregate

Coverage:
Products/Completed
Operations Aggregate

Covers claims made against you for damage or injury to a client resulting from a product you use on clients.

Coverage Limits
$4,000,000

Coverage:
Property Rented to You

Covers fire damage to the space you work in.

Coverage Limits
$300,000

Coverage:
Medical expense

Provides medical expenses coverage incurred by others who are injured by an accident on the insureds premises or as a result of the insured’s operations, regardless of fault.

Coverage Limits
$1,000 any one person

Additional Coverage Information

  • ​Must be a US resident. Coverage is offered in all 50 United States.
  • ​No deductibles for general liability or professional liability.
  • ​Coverage for any place you work; an office, on site, seminar, convention, healthcare facility, spa and anywhere you travel in the United States.
  • ​​Coverage starts as soon as the application is approved.
  • ​​Covers any incident that happens within your policy period, even if the claim is made years later and your policy has expired. (occurrence)
  • ​​Internet, phone and Skype/ Zoom, etc. sessions are covered but any breach of confidentiality over the internet is excluded from this policy. (HIPAA regulation)
  • ​​All covered activities must be therapeutic in nature. Activities performed solely as entertainment, such as psychic readings and fortune telling are not covered.
  • ​​Coverage assumes the practitioner is operating within the laws of their state, including any other legal compliance.
  • ​​Coverage assumes the practitioner is trained to practice listed modalities and is working within their scope of practice/training.
  • ​​Once purchased, the coverage cannot be cancelled during the policy term.
  • ​​Health/ Wellness coaches that give advice that is informative or educational but not prescriptive are covered.

In addition to getting your practice covered by insurance you will also get additional benefits as a EMPA member.
See our Members Benefit page for details.

Covered Modalities

Many practitioners in the Energy Medicine field have training in a number of modalities. You may receive coverage for several of modalities provided you have a basis of training in a professional program that ensures that you are a safe practitioner. If you have training in a modality that is not listed below, please contact us to see if we can offer you coverage.

Core modalities covered by EMPA liability insurance include, but are not limited to, the following:

Subtle Energy

Access Consciousness/ BARS

Akashic Records

Alexander Technique

Angel Reading/ Card Reading

Aura Healing & Aura Reading

Barbara Brennan Healing Science

Beyond Quantum Healing (BQH)

BioMagnetic Code

Breathwork

Bodytalk

Cardinal Method

Color Therapy

Craniosacral Therapy

Crystal Healing

Death Doula/ Death Midwife

Direct Divine Light Healing™

Eden Energy Medicine

EFT (Emotional Freedom Techniques)

Energetic Healing (EH)

Energy Balancing

Energy Field Work

Energy Tapping

Esoteric Healing

Havening

Healing Touch

Healing Touch for Animals (excl. Equine)

Healing Touch Spiritual Ministry

HUEnergy™

Integrative Energy Medicine

Integrated Energy Therapy® (IET)

Intuitive Reader

Jin Shin Jyutsu

LifeLine Technique

Life Alignment

Lionheart Institute's Energy Healing

Magdalena Healing

Magnified Healing

Matrix Energetics

Matrix Reimprinting EFT

Medical Intuitive

Metatronic Healing

Natural Bioenergetics

Pranic Healing

Polarity Therapy

Quantum Access®

Quantum-Touch

Subtle Energy Continued

Reconnective Healing

Reiki

Resonance Repatterning ®

Rising Star Healing

Rosen Method

Seven Cups of Consciousness

Shamballa Multi-Dimensional Healing

Shamanic Healing

Splankna

Star Magic Energy Healing

Sufi Spiritual Healing

Tapas Acupressure Technique (TAT)

The Practical Path® Medical Intuition

Theta Healing

TFT (Thought Field Therapy)

Therapeutic Touch

TOLPAKAN Healing Method

Touch For Health

Zero Balancing

Verbal Modalities

ARTbundance

Brainspotting

Compassionate Inquiry

Cross Mapping

Energy Psychology

Evolutionary Power

Family Constellation Work

Guided Imagery/ Guided Meditation

HeartMath

Hypnosis/ Hypnotherapy

Integrative Quantum Healing

Laughter Leader/ Laughter Yoga

NLP

Quantum Healing Hypnosis Technique

Percussive Suggestion Technique (PSTEC)

PSYCH-K®

Rapid Transformational Therapy

RoHun Therapy

RIM Method

Somatic Mindful Guided Imagery®

Soul Centered Hypnosis

Soul Detective

Summit Transformation

Subtle Energy of the Senses

Aromatherapy

Aroma Freedom Technique (AFT)

Art Therapy

Biofield Tuning

Flower Essence Therapy (ingestibles excluded)

Raindrop Therapy/ AromaTouch

SoulCollage®

Sound Healing

The Alexander Method® of Vibrational Sound & Energy Therapy

Therapeutic Musicians

Tuning Fork Vibrational Therapy

Assessment

Applied Kinesiology

Biofeedback

Emotion Code/ Body Code

Iridology

NES Health (ingestibles excluded)

The Practical Path® Biofield Balance® Intuitive Assessments

Bodywork

Acupressure/ EarSeeds Acupressure

Bodywork and Somatic Education (BASE)

Core Energetics

Reflexology

Somatic Experiencing

Coaching

Business Coaching

Creativity Coaching

Health Coaching

Life Coaching

Relationship Coaching

Sensation-Based Motivation Coaching

Movement

Block Therapy

Core Centering

Essential Motion

Feldenkrais Method

Qigong

Somatic Movement

Somatic Personal Resonance Education

T’ai Chi

Additional modalities that can be covered (must have one of the above modalities to qualify)

Bodywork

Massage Therapy

Amma Therapy

Bowen Technique

Hawaiian Bodywork

Kripalu Bodywork

Many More...

Additional Subtle Energies

Astrology

Clairvoyant/ Medium

Numerology

Therapeutic Tarot Card Reader

Additional Movement

Free-form Movement/ Dance

JourneyDance

Qoya

Yoga

Main Policy Exclusions and Limitations

Like all insurance contracts, the insurance provided under the Energy Medicine Professional group 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 in the exclusions listed below:

First, a few 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.

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.

Coaching, on the other hand, 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. Misrepresentation of activities outside the scope of the policy as covered constitutes fraud and will void the insurance.


Exclusions:

  • 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, chiropodist, chiropractor, physical therapist, acupuncturist, optometrist, dietitian, nutritionist, herbalist, homeopathic or Ayurveda practitioner. Practitioners licensed in one or more of these areas would be covered for their Energy Medicine practice but would not be covered for the licensed activities listed above under this policy.
  • ​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. 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. Life and health coaching, hypnosis and other verbal modalities are considered within the scope of covered Energy Medicine 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, or make curative claims.
  • ​​Esthetics services, chemical skin enhancement, ear candling, cupping using heat sources, moxibustion.
  • ​​Laser Treatments.
  • Liability arising from the function or malfunction of a device used to effect treatment. Liability arising from the use of a device is the responsibility of the manufacturer.
  • ​​Equine treatment.
  • ​​Steam rooms, saunas, sweat lodges and steam therapy.
  • ​​Ice plunge therapies.
  • ​​Work with sex surrogates, surrogate partner therapy and sex coaching or any work that involves unclothed clients.
  • ​​Sexual abuse/molestation.
  • ​​The sale of products you manufacture, or which are sold under your brand or label.
  • ​​All products ingested or taken internally.
  • ​​Specific dietary or exercise instruction. Offering guidance or options to aid clients in making choices is acceptable.
  • ​​Personal Training or any service or advice in connection with cardio-vascular fitness, body building, physical training programs or athletic coaching. Qigong and other energy-based movement modalities are covered if they are limited to teaching and training of movement, breath, and energy movement.
  • ​​Any martial arts or combat training or activity is specifically excluded. Tai Chi and other energy movement modalities are covered if they are limited to teaching and training of movement, breath, and energy movement.
  • The practitioner is covered to offer phone and video-conference sessions, but any breach of confidentiality over the internet is excluded from this policy.

  • ​Cyber Liability is excluded.
  • All covered activities must be therapeutic in nature. Activities performed solely as entertainment, such as psychic readings and fortune telling are not covered.
  • Ministers are covered for spiritual counseling, but other ministerial duties, including wedding ceremonies, are excluded.
  • Any modality that uses or the use of psychedelics or cannabis in a treatment.

Revised: July 2023

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 complete 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 understand and agree to follow the EMPA Code of Ethics and understand that activities outside the EMPA Code of Ethics may void coverage.
EMPA 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.

Revised: February 2021

About the Insurer

Tokio Marine Specialty Insurance Company is a wholly owned subsidiary of Philadelphia Consolidated Holding Corporation (PHLY), a member of the Tokio Marine Group. Tokio Marine Specialty is an Excess and Surplus lines commercial insurance carrier serving specialized industries in all 50 states, including Washington, D.C. and the U.S. Virgin Islands. PHLY is rated “A++” (Superior) by the A.M. Best Company and “A+” by Standard & Poor’s. The Group is ranked within the Top 20 life/non-life insurance company groups in the world based on market capitalization.

What does this rating mean to you? This means that the company insuring your practice is financially secure. This level of financial security means that the Philadelphia Insurance Companies family of companies is not required to participate in the state insurance guarantee programs that some states have.

Associate Member Partnerships

EMPA offers partnerships with other Energy Medicine organizations, making it possible to bring this valuable business opportunity to Energy Medicine practitioners across the country. View current Associate Members. If your organization is interested in forming a partnership to benefit your members, please email us.

Get Insured

Ready to get your practice protected?

Buying insurance doesn’t have to be a headache. Just follow our process that has helped thousands of Energy Healers, Holistic Providers and coaches for over a decade.

Here’s how to do it:

Find your fit

Discover the best elements to look for in an insurance policy for your practice. 

You want to make sure that you find a policy that will leave you and your practice fully protected. That’s why we put together this Insurance Buyers Guide with the most common mistakes people make when selecting an insurance coverage. After you read this, you will have the information you need to avoid making these mistakes, and to find the right insurance for you.

What happens if I get your guide? You'll get instant delivery of the guide to your email address you entered.  In the future, we’ll send you a few emails a month with risk tips and information that can support your holistic practice. You’ll be able to unsubscribe at any time and we never share your information.

Contact Us

15610 Henderson Pass #700070
San Antonio, TX 78232
P. (210) 960-8807
F.  (210) 497-8532 

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EMPA Insurance policies are underwritten by Tokio Marine Specialty Insurance Company is a wholly owned subsidiary of Philadelphia Consolidated Holding Corporation (PHLY), a member of the Tokio Marine Group. Tokio Marine Specialty is an Excess and Surplus lines commercial insurance carrier serving specialized industries in all 50 states, including Washington, D.C. and the U.S. Virgin Islands. PHLY is rated “A++” (Superior) by the A.M. Best Company and “A+” by Standard & Poor’s.

The information provided on our website does not guarantee any coverages or services, nor does it constitute legal, tax or insurance advice; instead, all information, and materials available on this site are for general educational purposes only. Contents is Copyright © 2009-2023 by Energy Medicine Professional Association All Rights Reserved.

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