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Liability Insurance Guide for Complementary and Alternative Medicines

Discover the ultimate protection for wellness professionals with our comprehensive guide to the best liability insurance. With coverage options starting at just $0.49 per day, you’ll gain peace of mind along with exclusive perks—think free website landing page, essential business resources, and more. Get insured today and focus on what matters most—your clients and career!

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Why do you need liability insurance?

While you have the option to forgo liability coverage and take on the full risk yourself, this approach assumes absolute certainty that no major loss will occur. However, because risk is inherently unpredictable, a more strategic choice is to transfer potential financial burdens to an insurance provider. Even with the most diligent safety measures in place, unforeseen accidents can still happen, making comprehensive coverage a critical safeguard for you, your career, and your family's financial security.

When should you get a policy?

It is advisable to secure liability insurance when enrolling in a training program and as you transition into professional practice. Many insurance providers offer discounted rates for first-time students, making it an opportune time to obtain coverage. Investing in coverage for your personal trainer career or massage therapy practice early on ensures protection throughout your education and career, safeguarding against potential risks and liabilities.

What's the difference between Occurrence Form and Claims Made Coverage?

Occurrence form coverage means claims arising out of incidents that occur during the policy term are covered, even if they are reported after the end of the policy term. Claims-made coverage means claims arising out of incidents that occur during the policy term are covered only if they are also reported before the end of the policy term. Some claims-made policy forms allow for an extended reporting period beyond the policy term at an additional cost. Occurrence form coverage or claims-made coverage with an extended reporting period are generally the best options, compared to pure claims-made coverage.

Coverage Highlights

  • Professional & General Liability Insurance: $2 million per occurrence; $3 million annual aggregate
  • Personal Injury & Advertising Coverage: $2 million individual aggregate
  • Identity Protection Plan: $25,000

These rates may differ based on your primary modality.

ADDITIONAL BENEFITS

  • Exclusive Membership Discounts
  • Nationwide Portable Coverage
  • 500+ Modalities Covered
  • Live Online & Pre-Recorded
  • Instant Coverage and E-Certificate
  • Exceptional Customer Service Experience with U.S. Based Representatives
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When Should I Get A Policy?

You should consider purchasing liability insurance WHEN YOU ENROLL in your professional classes and begin to work with the public, as well as when you begin your career and practice professionally. Coverage is generally available to first-time students at discounted rates.

What's the Difference Between Occurrence Form and Claims Made

Occurrence form coverage means claims arising out of incidents that occur during the policy term are covered, even if they are reported after the end of the policy term. Claims-made coverage means claims arising out of incidents that occur during the policy term are covered only if they are also reported before the end of the policy term. Some claims-made policy forms allow for an extended reporting period beyond the policy term at an additional cost. Occurrence form coverage or claims-made coverage with an extended reporting period are generally the best options, compared to pure claims-made coverage.

Learn More about the industry-preferred Occurrence Form Policy

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How Much Coverage Do I Need?

Most programs offer liability protection at $1 million or $2 million per occurrence, during the term. Annual aggregate coverage generally ranges between $2 million and $3 million for all claims during the term. Per occurrence means the maximum amount of coverage available for each individual incident which results in a claim. Individual annual aggregate means the maximum amount of coverage available for all claims made during the course of the policy year.

What Types of Policies are There?

Most liability insurance plans include general liability (trip and fall), professional liability (malpractice), and products coverage (e.g., adverse reaction to products you may use). Some programs offer additional coverage, as well. You should check with the program sponsor for details.

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How much coverage do you need?

Most programs offer liability protection at $1 million or $2 million per occurrence, during the term. Annual aggregate coverage generally ranges between $2 million and $3 million for all claims during the term. Per occurrence means the maximum amount of coverage available for each individual incident which results in a claim. Individual annual aggregate means the maximum amount of coverage available for all claims made during the course of the policy year.

Liability Coverage  

When looking for complementary and alternative medicine insurance, it is important to know the details of your coverage. Our range of policies incorporates several different types of liability coverage as well as other protective coverage. When you become a policyholder with NACAMS, your policy includes coverage for professional liability, general liability, and identity theft protection coverage. 

General Liability Explained

The term “general liability” refers to incidents that could occur due to negligence. These accidents are not specifically related to your profession. These types of insurance claims are often called “trip and fall” claims, as these are the most common types of insurance claims. 

General liability protection is essential for any worker in alternative and complementary medicine. While you certainly could elect to have no coverage, that would mean that you would be entirely responsible for a lawsuit or general liability claim. 

The truth is, no one can predict when something bad will happen. Whether a client trips over a piece of equipment or perhaps slips on a puddle on the floor, accidents can happen to anyone. It is far better to be prepared for a general liability claim than to get caught off guard. 

Professional Liability Explained

Professional liabilities are occupational hazards that directly result from your professional work. These claims are also known as malpractice suits. As a worker in complementary and alternative medicine, facing a professional liability claim can have a significant impact on your career. 

Professional liability claims are often a result of mishandling a client, performing a service incorrectly, or an accident that causes bodily harm and injury to your client. These claims could be incidents such as torn tendons, accidental burns, a wound or punctures, or overexertion. 

As a professional who works with your clients closely, professional liability coverage is the protection you need should something go wrong. Not only will coverage help you feel at ease, but it will help secure your finances in the event of a professional liability claim or lawsuit. 

How Much Coverage is Included

The comprehensive coverage that you receive from a policy with NACAMS offers stout protection should you face a liability claim. For general and professional liability claims, our plans include up to $2 million per occurrence with an annual aggregate of $3 million. This means that though you are covered for up to $2 million per claim, the maximum NACAMS will pay annually is $3 million. The aggregate will only be needed if you face more than one claim within a year.

Identity Theft Protection

Within each insurance policy, we have included identity theft protection. As a professional in the modern age, you likely use blogs, social media, and other online platforms to advertise your work in beauty, health, and wellness. While this provides an excellent opportunity to reach new clients and engage with customers, it also comes with some risks. 

When you expand your business by using online tools, you could open yourself up to malicious attacks from online criminals. Unfortunately, identity theft is all too common these days and can leave you with a financial loss or at least a major headache. 

We recognize the growing need to protect our policyholders from online attacks and have included an identity theft protection plan in our complementary and alternative medicine insurance plans. This protection will help you recoup losses due to identity theft and help get you back on your feet. 

Exclusive Member Benefits

Let's talk about some of the fun stuff that comes with your insurance policy. As a NACAMS member, you have access to some remarkable perks and benefits in addition to your liability coverage. We love to spoil our members and have created a myriad of incredible benefits just to show we care. 

  • Exclusive discounts: Our members save on the products and services they will use every day. Ranging from scheduling services and supplies to profession-specific products, these deep-cut discounts are some of the best deals around. With member-exclusive deals on products and services that make your life and work a little easier, you can save on the equipment and tools that you need to succeed.
  • Professionally developed website: As an added bonus, our members get help building a professional website where they can book clients, advertise their work, showcase their skills, or connect with potential customers. We know the importance of a quality website and work with you to create your own online presence. When you present your skills and services on a well-made website, you can drastically increase your audience of potential clients. We provide you with the means and tools to successfully engage customers and delight them with your services and skills.
  • Instant coverage: When you get your insurance through NACAMS, there is no waiting period for your coverage to be active. Your coverage and access to member benefits begin the moment you submit your form. It only takes a few minutes to fill out your information and get comprehensive coverage that could save you millions in the future. 

Plan Coverage Options 

We offer several different coverage options to accommodate every situation and budget. While the cost of your coverage will depend on your profession and the specific modalities you work in, the plan terms are consistent. Each insurance plan is specifically tailored to meet the needs of your profession, so the perks and cost will vary slightly between modalities. We cover over 500+ wellness modalities but even then, we still have coverage limitations for specific modalities. 

  • Professional coverage for one year: The one-year professional plan is ideal for you if you like to take things one step at a time. This plan includes incredible coverage and access to member benefits for full-time and part-time employees. 
  • Professional coverage for two years: If you are settled in your career, and prefer a longer term for your insurance, the two-year plan is perfect. With a solid two years of coverage, you can set your mind at ease and know your insurance is in good hands. 
  • Student Rate: When you are still honing your skills as a massage therapist, cosmetologist, personal trainer, or yoga instructor, the world of possibilities is opening up to you. However, you still need protection from a liability claim against you as a student. We offer a student rate for one year of coverage at a deeply discounted rate. You will still receive all the perks and coverage of a professional plan but at a fraction of the cost.
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Compare Insurance Programs & Policies

Research the websites of the various group fitness instructor insurance providers, and spend time comparing the cost and benefits of each program. Some sites provide an online comparison of their program with those of the competition. Speak with a licensed representative to help you to make an informed choice about which program best meets your professional and personal needs.

Liability Insurance FAQs

What does liability insurance cover?

NACAMS offers liability insurance for a wide range of services and health professionals. Although each policy is tailored to a specific profession, they will all include similar coverage. Each liability insurance policy offers occurrence form insurance for professionals, part-time workers, and students working on their careers. 

We want you to know that your finances are well covered with our liability insurance. With our policy, you won't have to find supplementary insurance to fill in the gaps. We offer all the coverage you need in a single insurance policy.

The insurance we offer will include the following liability coverage:

  • General Liability Coverage & Professional Liability Coverage
  • Personal Injury and Advertising Injury coverage
  • Identity Theft Protection

Do I need liability insurance as a student?

Yes. As a student, you will learn your profession and often practice with real clients and students. While you will be under supervision, you could still make a mistake or be liable for an accident. If a client is hurt while under your instruction or care, they could sue you for the cost of their medical expenses, lawyer fees, loss of income from time off work, etc. These costs will add up before you know it. 

At NACAMS, we prioritize investing in the next generation of health and wellness professionals. We offer a student rate for our liability insurance plans to help you get the coverage you need. We make liability insurance affordable and accessible for any budding wellness professional.

What is an aggregate?

An aggregate is the maximum that an insurance company will pay during a one-year period. This is different from the per occurrence maximum, which is a lesser amount. Using this system ensures that a policyholder will have sufficient coverage for single or multiple claims within the one-year period. In other words, if you have two or more claims made against you within a year, your policy will have a limit for each incident, as well as an overarching maximum for the year. 

NACAMS offers a generous annual aggregate of $3 million with a per occurrence limit of $2 million for professional and general liability claims. We want our members to have complete confidence in the sufficiency of their coverage. With a liability insurance policy from NACAMS, you won’t have to worry if you have enough protection.

Do I need separate policies for multiple businesses?

Not at all. If you operate in more than one location, you will want to ensure that you’re covered wherever you do business. We make it simple and affordable to add one (or more) secondary businesses to your liability insurance policy. When you purchase liability insurance, you can select to add additional places of business with the click of a button. 

For one additional business location, you’ll only pay $10 for one year or $15.95 for two years of coverage. If you travel between multiple gyms or massage parlors, the unlimited businesses option may be right for you. For just $30 additional dollars, you can add liability coverage for as many businesses as you need. Whether you work in three spaces or 20, you can ensure that you have every workplace covered.

Does my insurance follow me if I change jobs?

Most definitely. Professional liability insurance from NACAMS is tied to you, not just your job location. Your coverage is active for the complete length of the term. If you move to a new job, you can rest assured that your coverage will follow you for the full extent of the coverage period. Just let us know about the change as soon as you know you’re relocating. 

While our professional liability insurance is active in all 50 states, each state may have special regulations for alternative medicine and fitness professionals. We recommend researching the requirements for your new location if you’re moving out of state.

Can I purchase liability insurance online?

Of course. We know the lives of professionals are busy beyond belief. That’s why we don’t want to tie you up with an inconvenience. In fact, NACAMS is completely operated online, which makes it remarkably convenient to get liability insurance. No need to visit an office or go through the hassle of multiple phone calls to get the coverage you want. Our simple online registration process only takes a few minutes, and your coverage is active right away. 

If you sign up for liability insurance, you can have access to the member perks right away, including our exclusive member benefits package. We prioritize making instant liability protection accessible to anyone at any time.

How long does it take to get liability insurance?

One of the benefits of choosing NACAMS as your professional liability insurance provider is that we make the entire process simple and convenient. In as little as five minutes, you can complete your registration and have access to coverage. We don’t believe in making you wait for your protection. From the moment you complete the enrollment, you’re protected. 

If you’re ready to have the peace of mind that comes with comprehensive liability coverage, get insurance today. You can have unhindered access to all your member benefits, profession-specific liability coverage, generous coverage limits, and our incredible customer service with instant coverage. Don’t let anything stand in your way of getting the security you need for your career.

What do I do if a client is hurt while under my care?

Knowing how to handle a situation if a client is hurt during a training session or while under your care is important. Remember to stay calm and get help as soon as possible. When a client is injured, here are some steps to follow to handle the situation:

  • Remain calm and careful
  • If the client is injured or in severe pain, get an ambulance there as soon as possible
  • If necessary, give tasks to specific people
  • Don’t assume someone else will help
  • Help emergency services however you can
  • Write down the details of the incident for your insurance agent 
  • Contact your insurance provider

Why should I choose NACAMS for liability insurance?

Of course, there is no shortage of options for liability insurance companies. What sets NACAMS apart is our generous coverage and competitive rates. Other insurance providers will have a higher cost for less coverage. At NACAMS, you have comprehensive coverage that provides for multiple aspects of your profession, including

  • Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
  • Identity Protection Coverage: $25,000
  • Personal Injury and Advertising Injury: $2 Million

With NACAMS, you don’t have to shop around for multiple policies to get the coverage you need. We provide ample protection with generous annual aggregates. But more importantly, we provide the comfort of knowing your financial future is safe from the cost of a liability lawsuit.

What are the coverage limits for liability insurance?

Every insurance provider claims their coverage limits are the best, but NACAMS stands behind that. We offer sufficient coverage limits that are more than generous. Though they can vary slightly by profession, the typical coverage limits are as follows:

  • Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
  • Identity Protection Coverage: $25,000
  • Personal Injury and Advertising Injury: $2 Million

With these limits, you don't have to worry if your coverage is enough for your profession. We want you to have total confidence in your liability insurance. 

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Speak with an Agent Now: 1 (800) 964-0158
8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.

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