Combined medical malpractice, public and products liability policy

Covers you for liability claims from your patients/clients or other third parties for accidental death, bodily injury, illness, or accidental damage to property, as a result of your business activity.

Liability can arise from:

  • Negligence or a breach of a duty of care
  • Products sold or supplied
  • Breach of confidentiality
  • Libel or slander
  • Website or email infringement

The policy:

  • Covers you whether you work at home, at a client’s home, or at a clinic or salon
  • Cover can include indemnity for many beauty or fitness treatments, not readily available elsewhere
  • Available levels of indemnity - £1Million (for students), £2Million (for Associates), £3Million or £6Million (for Members) per annum.


  • Make sure you keep accurate and up-to-date client records, including a full consultation, appointments diary, and treatment record cards
  • We advise you to ensure you are covered for an appropriate indemnity limit. If your clients are the National Health Service or high earning individuals you may be required to hold a minimum of £5Million limit of indemnity.
It is a comprehensive policy covering a wide range of treatments and techniques.

However there are a number of treatment options available at an additional premium. Contact our membership and insurance advisers on 023 8062 4350 for further information.

Insurance guides can be viewed here >>

This includes... 

Treatments covered
Insurance price list
Summary of cover
Terms of business

Federation of Holistic Therapists is authorised and regulated by the Financial Conduct Authority (FCA), No. 502095.
A company limited by guarantee, No. 2864349

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