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Reiki Insurance For $0.49/Day

Protect your profession and get top-rated malpractice insurance for reiki professionals in under 5 minutes.

Pre-recorded & live sessions covered

Safe and secure instant online checkout 

Occurrence-form for complete protection

500+ modalities covered including reiki, yoga, and sound healing

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What Is The Cost Of Reiki Practitioner Insurance?

With NACAMS, you can get coverage for as little as $0.49 per day, potentially saving you hundreds of thousands in the event of a lawsuit. Even the most skilled Reiki therapists can face liability if a client is injured during a session—protect yourself with the right coverage.

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One YEAR PRO

$179/YR

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Two Year Pro

$329/2YR

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One Year Student

$60/YR

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Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!

Do Reiki Practitioners Need Insurance?

Reiki insurance serves as a crucial safety net for practitioners, shielding you from the financial and legal challenges that may arise in your practice. From allegations of malpractice or negligence to unforeseen incidents like a client slipping in your space, NACAMS unified professional liability and general liability insurance—provides peace of mind, knowing your financial assets are safe and allowing you to focus on your practice with confidence.

reiki insurance from nacams

Potential liability risks reiki practitioner insurance can shield you from include:

Malpractice and Negligence Claims

Reiki practitioners may make mistakes while learning and practicing various techniques. If a mistake leads to harm or injury to a client, the practitioner could be held liable for professional negligence or malpractice. Professional & general liability insurance can help cover legal expenses and potential settlements in such cases.

 

Slip & Fall Accidents

In many health and wellness environments, there's a risk of clients slipping, tripping, or falling, potentially leading to injuries. Reiki insurance provides general liability coverage in case a client is injured due to such incidents while they are in your care.

Allergic Reactions or Adverse Effects

Liability insurance can help protect reiki therapists if a client experiences negative consequences from a treatment or product recommendation e.g. using essential oils, incense, etc.

 

Identity Theft Protection

In today's digital age, personal information security is paramount. Reiki liability insurance provides coverage for identity protection, safeguarding you from the consequences of identity theft. Should your personal information be compromised, leading to fraudulent activities or financial loss, this coverage steps in to offer financial assistance and support to help restore your identity and mitigate the resulting damages.

Libel or Slander Incidents

Reiki practitioners might communicate their practices through various channels, including online platforms. If a teacher's statements about their training or services are perceived as libelous or slanderous by a client, fellow student, or instructor, liability insurance can offer protection against potential legal claims.

 
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Coverage Highlights

Liability insurance is an investment every professional should make to keep their financial assets protected. All-inclusive coverage so you can get peace of mind instantly with no confusing insurance decisions. 

  • Professional & General Liability Insurance: $2 million per occurrence; $3 million annually
  • Personal Injury & Advertising Coverage: $2 million individual aggregate
  • Identity Protection Plan: $25,000
  • Coverage in all 50 States
  • Occurrence Form Coverage
  • Live Online & Pre-recorded Sessions Included (E.g. YouTube or Instagram Live)
  • Mobile Coverage- wherever you go your coverage follows
  • Coverage Medical Payments, Deposition Fees, Lawyer Fees
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Covered Energy Healing Disciplines

In addition to the Reiki, NACAMS also provides protection for general energy healing practitioners who offer wellness services like sound healing, massage therapy, yoga therapy, crystal healing, and 500 more. 

  • Sound Healing
  • Meditation
  • Reiki
  • Reflexology
  • Crystal Healing
  • Somatic Therapy
  • Chi Nei Tsang
  • Bio Touch Healing
  • Qigong
  • Chair Yoga
  • Yoga Therapy
  • Mindfulness
reiki & energy healing insurance

Why NACAMS?

Reiki practitioners nationwide choose NACAMS Insurance for reliable professional liability coverage. With our policy, you gain the confidence to focus on healing and supporting your clients, knowing you're protected every step of the way.

Comprehensive Coverage

$1,000 Worth Member Benefits

Excellent Rated Customer Service

Nationwide Portable Coverage

No Quotes, Instant Coverage

What Is Reiki?

Reiki is a energy healing practice originating from Japan, which attempts to transfer universal energy in the form of palm-healing techniques. Ki is the Japanese version of qi, the life force energy that sustains our existence, and rei is the Japanese word for spirit. Thus, reiki means “spirit life force.”

Similar to acupressure, Reiki is centered on the idea that an imbalance of ki results in a higher susceptibility to illness. Practitioners of both methods aim at alleviating illness via energy healing, but acupressure therapists attempt to unblock the energy pathways while Reiki healers simply attempt to channel energy to the patient. In other words, “all healers use life force or ki, but not all use Reiki.”

Instead of manipulating the physical body, these healers manipulate the energy field penetrating the body, positioning their hands lightly on or above the patient so the energy of the universe may be channeled through one body and into the other. The method is comparable to meditation in this regard, as both are noninvasive therapies grounded in self-healing.

What Is The History Reiki?

In 1922, Japanese Buddhist Mikao Usui completed a 21-day meditation and fast on Mount Kurama-yama. It is believed that during this time, Usui developed the traditional Japanese Reiki. He delineated his method by a set of five underlying principles, known as the Five Reiki Precepts:

  • Do not be angry.
  • Do not worry.
  • Be grateful.
  • Work with diligence.
  • Be kind to people.

Usui allegedly taught this technique to over 2,000 individuals, 16 of whom reached the masters level (Shinpiden), before his death in 1926. Chujiro Hayashi, one of said masters-level students, worked to synthesize his mentor’s method into a more accessible practice. After receiving approval from Usui, Hayashi founded a Reiki clinic in Tokyo, Japan.

There is no formal training program available to aspiring energy healers. Rather, the ability to channel energy from the universe to another person is passed on by a Reiki master during an “attunement,” a process through which the heart, crown and palm chakras are opened. Immediately thereafter, the student is able to perform Reiki.

It’s significant to note the difference between Japanese Reiki and Western Reiki, a system attributed to Hawayo Takata. Although they are almost identical, the former relies on intuition for hand placement, and the latter utilizes a set of hand patterns for treatment.

What Are The Health Benefits Of Reiki?

Energy healing techniques are known to balance the energies and chakras, strengthen personal awareness, promote self-healing and boost the immune system. They are often used to release repressed emotions and encourage positive thinking. Reiki may also alleviate stress, anxiety, headaches and back pain. In The Reiki Handbook, published in 1992, Sandra Nevins and Larry Arnold claim this holistic practice is effective for treating diabetes, cancer, brain damage and venereal diseases.

Source: Reddy, Kaya Niranjan Kumar. The Ultimate Guide to REIKI. 18 Dec. 2005. Web

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Frequently Asked Questions

Reiki is not a predominantly hands on therapy, why do I need Reiki insurance?

Even though Reiki focuses on energy healing, professionals still face many of the same liabilities as any hands on therapy. General liability insurance covers you in the event a client injures themselves. Professional liability insurance covers you against claims for malpractice.   

Our insurance for Reiki practitioners covers both of these liabilities and also other areas that could present issues at some point in a career, all at great rates, and with awesome member benefits included.

Is Reiki practitioner insurance practical?

Absolutely. No matter if you work for yourself or in a spa, there are many instances where the cost of a claim far outweighs the low rates we provide for Reiki insurance. You definitely have the choice to not purchase insurance but you will be risking your personal finances and possibly even your career should an unfortunate event present itself.

Can I move states and still be covered by Reiki insurance?

Yes. Moving period is difficult enough, you shouldn’t have to worry about a bunch of paperwork and possibly losing your insurance coverage too. We make things easy with full portability in our policies. This means you can move states, move employers, move locations, etc. and still enjoy the same great coverage anywhere in the U.S.

What type of Reiki insurance coverage do therapists need?

When looking at different programs, first pay attention to the liability coverage. You should see great limits for General and Professional liability.

In this day and age, an Identity Protection Plan is also imperative to keep your business and career side. Each of these coverage areas are paramount towards protecting your ability to focus on mastering energy work for the betterment of your clients, not about whether a future claim will sideline your business. 

At NACAMS, our policies come with all of these protections plus awesome member benefits, all at one low rate.

Is energy work insurance available to students?

Review our 1-Year Insurance Plus Student plan for Reiki students at a discounted rate of just $60. This helps young professionals develop their skills without worrying over a future claim hurting their career before it even begins. You also have the option to delay obtaining this coverage until you are nearly finished with your program. In this way, most of your rookie year in the industry is covered with the same robust protection as our professional plan at the discounted student rate.

How much coverage do you get with Reiki insurance?

With our Reiki insurance plan, members enjoy up to $3 million annually and a $2 million per occurrence limit for General and Professional Liability Claims. The included Identity protection plan provides up to $25,000 in identity recovery services.

Will Reiki practitioner insurance cover a client accidentally injuring themselves?

General liability insurance, also called slip and fall insurance, would cover a third party claim for injuries. All it can take is a client slipping on some cleaning residue left on the floor and injuring themselves for a claim to be held against you. Without high limits for general liability protection, expensive medical bills, lost wages, and even legal defense fees could all fall on your shoulders alone.

Where can I see ratings on different Reiki insurance plans?

Our comprehensive insurance guide lets you see how different programs for Reiki insurance stack up against each other in terms of coverage, benefits, and price. This a great one-stop-shop for professionals considering their options. We also encourage you to do your research but beware of fake online reviews and other misinformation. That’s why we only use TrustPilot to compile reviews. TrustPilot is an independent platform that helps companies get real reviews from users on neutral, unbiased ground. We are proud that so many members rated us as Excellent on the TrustPilot platform.

What is the best Reiki practitioner insurance available?

The best policies are ones that understand the needs of a professional within energy work. At NACAMS, our whole mission is complementary and alternative medicine so our policies were designed just for this profession. That being said, Reiki insurance should have three key elements to be worthwhile:

  1. Great Coverage (for the real world): generous liability limits should be combined additional protections an identity protection plan.
  2. Great Benefits: our plans come with benefits that have been curated by health and wellness professionals so you get something you’ll actually use. Free online CE classes, a free website, free business resources, product discounts, and more is provided to members.
  3. Great Rates: at just $179 per year, our rates are some of the very best the industry has to offer.

Do I need a license to practice Reiki?

Most state boards have placed Reiki and energy work as falling under the broader massage therapy field. This means in order for you to practice Reiki, you will usually need to have completed a number of educational hours at a state board-approved massage school and pass an examination. In Florida for example, new practitioners need at least 500 hours of study at an approved massage school and must pass the MBLEx or NCETM. Always, always make sure you know the specific requirements of your state and/or local authority concerning massage therapy, and Reiki specifically, before offering services.

What types of disciplines and modalities are covered by Reiki practitioner insurance?

We totally understand that sometimes you need to employ more than one modality when helping a client heal mind and body. Rather than only offering a small number of covered modalities like some insurance carriers out there, we expanded our covered list to more than 500 different health and wellness services. Acupressure. Shiatsu, Tuina, Chi Nei Tsang, and many more services are all covered.

Do I need insurance to get a license to do Reiki?

Some states do require you to have personal liability insurance, but not every one does. Even if it is not a requirement in your locale, going without insurance is a huge risk to you and your business. 

A client slipping off the table is all it can take for a claim costing thousands. Paying out of pocket without insurance could be financially devastating. One of the best assurances for the continuity of your business operations is to put a safeguard in place against potential liabilities - the old “the best offense is a good defense” mentality. 

Simply put, unless you are preternaturally lucky, risk management, i.e. professional liability insurance, is integral to long term business success.

When should you purchase Reiki insurance?

Your best bet for securing coverage is as soon as you enroll in school to study to become a Reiki massage therapist. We provide a 1-Year Insurance Plus student plan that contains all of the same coverage and benefits as our professional plan at the severely discounted rate of just $60. If it is preferable, you can wait until you are close to graduating from school to get this coverage. That way, you get almost all of your first year in a new career covered for just $60.

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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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