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What Services and Modalities are Covered by EMPA Professional Liability Insurance?

EMPA Insurance Covers 1,000+ Energy Medicine, Holistic, and Wellness Services and Modalities 

Looking for insurance for your specific modality? EMPA professional liability insurance is designed for energy medicine, holistic wellness, coaching, bodywork and related practitioners. Eligible services may be covered when provided online, in person or in group settings, subject to your training, scope of practice and policy requirements. 

Use the categories below to find your modality. If you don't see it listed, you can request an eligibility review.

EMPA Insurance Covers Many Services and Modalities
What Work is Covered?

 

Whether you practice energy medicine, holistic wellness, coaching, or an integrative combination of services, your insurance should reflect how you actually work with clients, whether online, in-person or in groups.

EMPA professional liability insurance is designed specifically for practitioners whose work extends beyond traditional, licensed healthcare. Coverage includes a broad range of approved energy medicine modalities, holistic therapies, health & wellness services, coaching specialties, bodywork, and complementary practices provided within your training and scope of practice.

What Does Approved Mean?

 

Most approved professional services are covered when they:

✔ Focus on wellness, stress reduction, personal growth, professional development, or complementary care

✔ Are provided within your training, experience, and scope of practice

✔ Are delivered in person, online, or in group settings

✔ Do not involve the licensed practice of medicine, psychotherapy, counseling, diagnosis, prescribing, or other excluded professional services

Navigation

Finding the Information You Need

With so many specialties, finding exactly the information you need about your services, possible exclusions, and answers to questions can be time consuming. 

These navigation options may help you land where you need to on this page and provide the great user experience we want you to have. At any time, you can:

  • Use the keyboard shortcut Ctrl + F to enter a specific search term or word(s) you're looking for.
  • Scroll down with the ability to quickly return to the top.
  • Easily find a button to take you to Coverage and Pricing or to Start Your Application.
  • Use the page location descriptions below to jump directly to the topic noted.
Navigation Options to Help You Find What You Need
Finding the Information You Need


What Information Do You Want to See Next?

Let's make this easy for you. You can jump to a location outlined in the cards below, or you can just continue to scroll down, and review this page section by section - with the option to return to the top at any time.  You can also use Ctrl + F to find a specific term or word(s) wherever it appears on the page. If you're ready to get coverage, click the button just below the cards.

List of Approved Modalities and Services

Modalities and Services Covered

Many practitioners in the energy medicine, holistic healing and coaching fields have training in a number of services and/or modalities. EMPA can provide coverage for multiple services or modalities provided you have the required training in a professional program that ensures these services are in your scope of practice.

Services listed with an * are only covered with a membership at the Premium Protection level. 

If you don't see your modality or service listed, check your eligibility. Many related services may still qualify for coverage. 

To quickly search the list, use Ctrl + F and enter your search word or term.

Ready to Apply?

If you have found your modality and/or services and you are ready to apply, just click the Start Your Application Button!

                                         

 

If you would like to review additional information about coverage and pricing, EMPA member benefits, or coaching specialties, here are direct links for you:

Want to Review Coverage and Pricing?

If you would like to review details on coverage levels and pricing, as well as the high-value added options for cyber or business coverage, click the button below.

EMPA Membership Benefits

Would you like more information about all our complimentary EMPA membership benefits? Here's a review of what makes us so different!

Coaches, Ready to Apply?

Are your services primarily coaching? You may want to consider reviewing our companion Association of Professional Coaches (APC) for more details.

Exclusions and Eligibility

What's Not Covered

These are the common areas of exclusion. While EMPA provides broad coverage for energy medicine, holistic, wellness and coaching professionals, some services fall outside the scope of the policy.

If you have any questions about your services being covered, our team is happy to help you. 

Complete this form and we'll review your services before you apply. Check your eligibility

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The licensed practice of medicine, nursing, psychotherapy, counseling, or other healthcare professions

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Diagnosis, treatment, or prescribing for medical or mental health conditions

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The manufacture of products (does not cover products you make)

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Services involving controlled substances, including psychedelics, cannabis (including CBD), ketamine, or other controlled substances as defined by U.S. law

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Liability arising from the function or malfunction of regulated electronic or electromechanical devices

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Legal, financial, or other professional services outside your covered scope of practice

New, Emerging or Blended Modalities

Have You Created a New or Unique Service or Modality?

Practitioners like you are innovative and creative, and often approach us with newly developed methods for delivering your services that just don't fit neatly into one category.  It's a sign of growth to combine multiple modalities, techniques or approaches within your practice.

If you see your services or techniques listed in the 'Modalities and Services Covered' section on this page, that's a strong indication they fall within a covered scope of practice, even if you combine or customize them in your practice.

If your service, modality or approach is not listed, or you're unsure how your work fits within the covered guidelines, we recommend requesting a personalized review.

If you fit this description, we already have a process in place with our insurance provider to review and assess your services. This gives you a clear, personalized answer based on what you actually do in your practice.

Submit this form and we'll get your review started right away. Check Your Coverage.

 

Creating New Modalities
FAQs

Frequently Asked Questions About EMPA Energy Medicine, Holistic or Coaching Liability Insurance

Here are answers to some of the most common questions about energy medicine, holistic, and coaching liability insurance—including what services are covered, how the policy works, and how to determine whether your specific modalities or professional services are eligible.

Have additional questions? Visit our FAQ Page for more detailed answers, coverage guidance, policy information, and examples. If you're unsure about a particular modality or service, we're happy to help you determine whether it's eligible for coverage before you apply.

What Does EMPA Liability Insurance Cover?

Does EMPA Liability Insurance Cover Online Sessions?

What Is Not Covered by EMPA Liability Insurance?

Does EMPA Liability Insurance Cover Multiple Services or Modalities?

What Types of Services or Modalities Are Typically Included?

How Do I Know If My Specific Service Is Covered?

Ready to Protect Your Energy Medicine Practice?

Whether you work with clients online, in person, individually, or in groups, EMPA makes it easy to find the right coverage designed for energy medicine, holistic, wellness practitioners and coaches.

Philadelphia Consolidated Holding Corporation (PHLY) is 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.

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.