Practice Insurance

Professional liability insurance is coverage that protects business professionals from claims of negligence, misconduct or lack of ordinary skill related to the services they provide. Coverage will respond to incidents arising from the coverage period regardless of when those claims are reported. (Occurrence)

Coverage Limits
$2 million per occurrence
$4 million annual aggregate

Covers claims for injuries that occur at your place of work, including trip and fall and property damage caused by direct or indirect actions of the insured. Coverage will respond to incidents arising from the coverage period regardless of when those claims are reported. (Occurrence)

Coverage Limits
$2 million per occurrence
$4 million annual aggregate

Protects you from suits involving libel, slander, false advertising or wrongful invasion of privacy.

Coverage Limits
$2 million per occurrence
$4 million annual aggregate

Covers claims made against you for damage or injury to a client resulting from a product you use on clients.

Coverage Limit:
$4,000,000

Covers fire damage to the space you work in.

Coverage Limit:
$300,000

Provides medical expenses coverage incurred by others who are injured by an accident on the insureds premises or as a result of the insured’s operations, regardless of fault.

Coverage Limit:
$1,000 any one person

Exclusions:

• Licensed professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse midwife, x-ray therapist, radiologist, psychiatrist, psychologist, LCSW, counselor, therapists, chiropodist, chiropractor, physical therapist, acupuncturist, optometrist, dietitian, nutritionist, herbalist, homeopathic or Ayurveda practitioner. Practitioners licensed in one or more of these areas would be covered for their Energy Medicine practice but would not be covered for licensed activities under this policy. Massage and hypnotherapy are covered licensed activities provided they are within the scope of the policy and do not include any other excluded activities.

• Energy Medicine activities are the evaluation and manipulation of the human energy field, using the client’s or practitioner’s energy field to effect a change in the client’s energy field and overall mental emotional physical or spiritual health. Activities outside the scope of providing energy medicine treatments are not covered except as described in the policy. Representation of activities that are outside of this scope as Energy Medicine modalities or methods constitutes fraud and will void the insurance. Life and health coaching, hypnosis and other verbal modalities are considered within the scope of covered Energy Medicine activities.

• Financial or legal advice.

• Businesses are not covered by this policy except as separate entities for liability arising directly from the covered activities of the insured individual.

• Any practices that are invasive in nature, that diagnose, prescribe, or make curative claims.

• Esthetics services, chemical skin enhancement, ear candling, cupping using heat sources, moxibustion.

• Laser Treatment.

• Liability arising from the function or malfunction of a device used to effect treatment. Liability arising from the use of a device is the responsibility of the manufacturer.

• Equine treatment.

• Steam rooms, saunas, sweat lodges and steam therapy.

• Ice plunge therapies.

• Work with sex surrogates, surrogate partner therapy and sex coaching or any work that involves unclothed clients.

• Sexual abuse/molestation.

• The sale of products you manufacture, or which are sold under your brand or label.

• All products ingested or taken internally.

• Specific dietary or exercise instruction. Offering guidance or options to aid clients in making choices is acceptable.

• Personal Training or any service or advice in connection with cardio-vascular fitness, body building, physical training programs or athletic coaching. Qigong and other energy-based movement modalities are covered if they are limited to teaching and training of movement, breath, and energy movement.

• Any martial arts or combat training or activity is specifically excluded. Tai Chi and other energy movement modalities are covered if they are limited to teaching and training of movement, breath, and energy movement.

• The practitioner is covered to offer phone and video-conference sessions, but any breach of confidentiality over the internet is excluded from this policy.

• Cyber Liability is excluded.

• All covered activities must be therapeutic in nature. Activities performed solely as entertainment, such as psychic readings and fortune telling are not covered.

• Ministers are covered for spiritual counseling, but other ministerial duties, including wedding ceremonies, are excluded.

•  Any modality that uses or the use of psychedelics or cannabis in a treatment. 

I hereby state that I have no knowledge of any incident, pending claims, suits, or other ethics violations nor have any been filed against me in the past pertaining to my practice as a practitioner, that no certifications or licenses have been revoked, and that I have never been arrested for or been charged with any sexual violation.

I understand that this application is subject to approval with no automatic inclusion in the program. My digital signature shall verify that I have completed this application accurately and honestly and that I agree to provide proof of training should I be asked to provide it in the event of a claim.

I understand that if my application is approved, the premium/fees paid by me are nonrefundable, nontransferable and will not be prorated. This application is for liability coverage which is in force for one year from the date of approval. Denied applications will be refunded less any associated fees resulting from the method of payment (i.e. credit card charges).

I understand and agree to pay a fee or $35 or 10% of the cost of the transaction, whichever is greater, for returned checks or for credit card payments that are either disputed or refunded by a third party.

I understand that I am responsible to verify that the coverage is appropriate to my training and professional activity, and that activities outside the scope of coverage of the policy are not covered. Specific coverages and exclusions are determined by the policy and the list of exclusions and limitations. I understand that a complete copy of the insurance policy is available on the member portal.

I acknowledge that HTPA defines Business coaching as an educational activity where the coach provides information and techniques to enhance and improve business function and performance but does not provide specific business direction or legal or financial advice. I understand offering licensed professional business advice is not covered.

I acknowledge that HTPA defines Life/ Health/ Relationship coaching as an educational activity where the coach provides information and techniques to enhance and improve the life, health or general wellbeing of the client but does not provide prescriptions, diagnosis or offer medical advice or treatment. I understand offering licensed professional counseling or health advice is not covered.

Energy Medicine activities are the evaluation and manipulation of the human energy field, using the client's or practitioner's energy field to effect a change in the client’s energy field and overall mental emotional physical or spiritual health. I understand that activities outside the scope of providing energy medicine treatments are not covered except as described in the policy. Representation of activities that are outside of this scope as Energy Medicine modalities or methods constitutes fraud and will void the insurance.

I understand that any false statement made on this application or subsequent renewals shall void this application and render my insurance coverage null and void.

I understand that equipment used in the evaluation or treatment of the human energy field is not covered for liability arising from the function or malfunction of such equipment.

I understand and agree to follow the HTP Code of Ethics and Scope of Practice and understand that activities outside the HTP Code of Ethics may void coverage.

I understand that the comprehensive coverage provided by HTPA covers liabilities that result from my actions as an individual professional practitioner and associated general liability.

I understand that businesses are not covered by this policy except as a separate entity for liabilities arising directly from the covered activities of my professional practice. I understand that the business name can be listed on the application only for the sole purpose of promoting my professional practice in the Practitioner Directory.

Healing Touch Practitioner Directory Terms and Conditions

The information in this directory is provided by its members. The listing of any area of practice by a practitioner has not been reviewed by the HTPA staff. It is merely an indication by the member of an area or areas in which he or she practices. Any complaints or comments may be submitted through the Contact Us link available on that website.

HTPA/ HTP holds the right to remove a member at the discretion of HTPA/ HTP. Reasons for removal may include but are not limited to: large amount of complaints by other members, inappropriate content, use of Practitioner Directory for commercial solicitation, and ethical violations.

Revised: October 2021