NACAMS Professional Policy for Reiki Therapists
$179 per year
Disciplines and Modalities We Cover
NACAMS Represents Reiki Practioners
NACAMS represents America’s 35,000+ reiki therapists, providing professional development tools, public education, and reiki liability insurance. With 25 years of trust in the health and wellness industry, NACAMS licensed professionals are the best-protected reiki therapists in the industry. Contact us now to secure the most comprehensive reiki liability insurance coverage available at the best rate in the industry.
Do Reiki Practitioners Need Insurance?
In many areas, the practice of reiki is regulated, often by the same governing board that may regulate massage therapy and bodywork. Even though reiki is typically considered a form of energy work, it is important for prospective practitioners to find out whether this modality is regulated as a form of touch therapy.
At first, some reiki therapists may be confused and even a bit frustrated by the legal need to invest in reiki liability insurance. However, it is important to understand that even when you practice a modality as gentle as reiki or other forms of energy work, there are still risks to you as the professional, and this is where reiki liability insurance comes into play.
In fact, even if you happen to work in an area where reiki practitioners are not required to secure reiki insurance, the risks of doing business with members of the public are still quite real and present. Therefore, even these unregulated reiki professionals would be wise to secure reiki therapist insurance. At the most basic level, such a policy is designed to protect your practice and your assets from a variety of potential legal claims.
Are You At Risk If You Are Not Insured?
For starters, one of the biggest risks of doing business in person with members of the public—as is the case in a reiki practice—is the fact that someone could happen to have an accident on the property of your reiki practice or inside your session room.
In the case of this kind of risk, your reiki liability insurance policy should provide coverage for what is called general liability. This portion of your reiki therapist insurance policy is also known as trip and fall insurance, because it is designed specifically to deal with legal claims that involve trips, falls, slips and other kinds of accidents that could take place on the property of the business owner or inside the reiki session room.
Other risks of running a reiki practice include the risk of facing a legal claim from a client who believes he or she suffered some kind of harm due to a lack of skill or competence on your part as the professional reiki therapist or due to a product used in your reiki practice. Here, the malpractice and product liability aspects of your reiki insurance should provide the necessary financial support and protection.
For example, if a client comes to see you for reiki therapy and later believes that what you did during the session exacerbated an existing injury, she may decide to sue you for the damages. Even if her claims are wholly unfounded, you would want and need the malpractice coverage that comes with your reiki liability insurance to see you through the legal process.
What is Reiki?
Reiki is a Japanese energy healing practice and complementary approach to medicine, which attempts to transfer universal energy in the form of ki through 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 of 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
Reiki Insurance FAQs
Reiki is not hands on therapy, so 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 or has their property damaged in or around your place of business. Professional liability insurance covers you against claims for malpractice. Product liability coverage provides assistance for claims related to allergic reactions.
This could be as simple as a client having a reaction to a cleaner you use, requiring medical treatment, and then holding you responsible for the costs.
Our insurance for Reiki practitioners covers all 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.
How much is Reiki liability insurance for professionals?
We offer several different options for purchasing Reiki liability insurance to give our members the best selection in choosing an insurance package that works for them. Options include:
- 1-Year Insurance Plus Professional Rate: $179
- 2-Year Insurance Plus Professional Rate: $279.95 (a $38.05 savings)
- 1-Year Insurance Plus Student Rate: $25
- 1-Year Benefits-only Plan (which does not include insurance): $39
Can I move states and still be covered by Reiki insurance?
Definitely. 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 and also Product liability.
Other coverage areas to look for in a solid Reiki insurance plan should include rental damage coverage, stolen equipment coverage, and in this day and age, an Identity Protection Plan. 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?
Absolutely. We provide a 1-Year Insurance Plus Student plan for Reiki students at the discounted rate of just $25. 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. Product liability coverage provides $2 million. Rental damage coverage provides $100,000. Stolen Equipment coverage covers the cost to replace equipment up to $1,000 with a $250 deductible. 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 generous 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:
- Great Coverage (for the real world): generous liability limits should be combined additional protections like stolen equipment coverage, rental damage coverage, and an identity protection plan.
- 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.
- Great Rates: at just $159 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 350 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 $25. 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 $25.
What is the best way to utilize this plan’s included free website?
Websites are a great way to attract today’s consumers that are searching the web for the services and products they want. If you don’t have a website, you could be missing out on a lot of people (potential new clients) near you that are already searching for the specific services you offer.
With our Reiki insurance, you get the benefit of a free professionally designed website to help you advertise online and capture more of this traffic. By adding quality content to your website about your services, expertise, industry news, etc. your online presence will easily start gaining traction.
Where can I get free NCBTMB approved online continuing education?
NACAMS provides professional development and education along with really great insurance for Reiki therapists. As part of our insurance program, we are able to offer members access to free NCBTMB online continuing education classes. This exclusive member benefit is included at no extra cost and is included as part of a stout coverage lineup.
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$179 per year