Comprehensive Light Therapy Insurance Tailored for You and Your Business
Get a QuoteLight therapy is an innovative treatment approach that harnesses specific wavelengths of light to address a range of conditions, from skin disorders to seasonal affective disorder.
At Holistic Gold, we understand the unique risks associated with providing these specialised light-based treatments. Our dedicated Light Therapy Insurance offers comprehensive protection designed specifically for practitioners who deliver various forms of phototherapy.
Insurance provided by a Standard & Poor’s A (Strong) rated insurer.
We’ve been working with businesses like yours for over 40 years.
Tailor-made insurance policies, made for specialists, by specialists.
Our comprehensive Light Therapy Insurance includes essential coverages specifically tailored to protect professionals in your field:
This essential coverage protects you if a client or member of the public suffers an injury or property damage related to your business activities. Our standard policies include £3 million in public liability protection, with options to increase to £5 million if required by specific venues or clients.
If you sell or recommend products to your clients, such as skincare products to use alongside light therapy or home light therapy devices, this coverage protects you if these items cause injury or adverse reactions.
Also known as professional indemnity insurance, this crucial coverage specifically protects against claims arising from the professional services you provide. This protection covers legal defence costs and any compensation awarded.
This protects you against claims for purely economic losses that don’t involve physical injury or property damage. We automatically include £10,000 of financial loss coverage in our policies.
We also offer several optional covers that many light therapy practitioners find valuable:
Covers your specialised light therapy equipment, protective eyewear, and other tools against damage, theft, or loss.
Provides financial support if you cannot work due to an injury, helping replace lost income during recovery periods.
A legal requirement if you employ staff, protecting you against claims from employees who are injured or become ill through their work.
Our Light Therapy Insurance is designed for qualified practitioners working across the UK, including:
If you combine light therapy with other holistic or complementary therapies, we can create a comprehensive policy that covers all aspects of your professional practice, ensuring there are no gaps in your protection.
Even when following best practices, unexpected reactions can occur. If a client were to suffer an injury and you did not have the protection of a specialist insurance policy, you would be personally liable for any compensation claims.
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Light therapy, while generally safe when performed by qualified practitioners, carries inherent risks that make professional insurance essential.
Get a QuoteThe specialised equipment used in light therapy presents unique liability concerns that standard insurance policies may not adequately address. Imagine a client were to be injured by a machine you are using, the compensation cost could be huge.
If you were to damage a client’s property you could be liable for the damages. For example, you may drop a piece of machinery on a client’s smartphone. The client would expect you to replace the item and you could rely on your insurer to come to the rescue.
If you advice leads a client to suffer an injury or perhaps lose out financially, they may make a claim against you. The cost of the claim could be big and you could be personally liable if you did not have adequate insurance protection.
With over 40 years of experience providing insurance to holistic and complementary therapists, Holistic Gold offers unparalleled expertise in protecting practitioners like you. We understand the nuanced nature of light therapy and the specific risks you face when providing these specialised treatments.
Every light therapist’s approach is unique, which is why we don’t believe in one-size-fits-all insurance. Whether you specialise in skin conditions, mood disorders, or offer a combination of light-based treatments, we tailor our coverage to fit your specific methods and circumstances.
In today’s fast-paced therapy market, opportunities arise quickly. That’s why we provide instant cover with immediate access to your insurance documentation. Whether you’ve just been invited to join a clinic, need to renew lapsed coverage before a session, or are launching your light therapy practice, you can obtain comprehensive protection in minutes through our streamlined online process.
Quality protection shouldn’t break the bank. We leverage our industry position and specialist experience to negotiate preferential rates with our insurers, which are savings we pass directly to you. Our Light Therapy Insurance starts from just £47.04 per year, providing essential peace of mind at an affordable price.
At Holistic Gold, we pride ourselves on supporting all our customers in their hour of need. We are there to guide you through the claims process should the worst happen. You can rely on our expert advisors to lend a hand throughout the entire claims journey.
Finding the right insurance policy for your light therapy practice shouldn’t be complicated. Our simple policy chooser helps identify the most appropriate coverage based on your specific working arrangements:
Are you a Student?
Do you own or manage a clinic or business premises that allows access to the public (excluding clinics based at home)?
Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.
Get a quoteAre you employed by a clinic or business owner?
Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.
Get a quoteDo you rent a space in a clinic or work on a freelance or mobile basis in the holistic sector?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.
Get a quoteDo customers visit you at home for their therapy or treatment?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.
Get a quoteBased on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.
Get a quoteNot sure which option is right for you? Contact our specialist team for personalised guidance on selecting the perfect policy for your unique light therapy practice.
Yes, our Light Therapy Insurance covers various modalities, including red light therapy, blue light therapy, infrared treatments, and light box therapy for SAD. We understand many practitioners offer multiple types of light-based treatments, and our policies are designed to cover this diversity of practice. When applying for insurance, it’s helpful to specify all the light therapy methods you utilise to ensure comprehensive coverage.
To obtain our Light Therapy Insurance, we typically require evidence of formal training in the specific light therapy modalities you practice. This might include certification from recognised training providers or relevant medical or aesthetic qualifications. If you’re currently completing your certification, our student policies can provide coverage during your training period.
Yes, our Freelance/Mobile policies cover you to practice anywhere in the UK, making them ideal for therapists who work from various locations. Whether you rent space in different clinics, visit clients in their homes, or attend wellness events, your coverage travels with you. If you have your own premises but also work mobile, we can advise on the most appropriate policy structure to ensure complete protection.
We prioritise providing swift, supportive guidance when a claim is made against you. Upon notification of a potential claim, our specialised claims team works directly with you to gather all relevant information and documentation.Throughout the process, we provide clear communication about the claim’s progress and what to expect next.
If you work mobile or freelance in the Light Therapy sector, our specialist policies provide all the cover you need at some of the best prices around.
Freelance coversThe Holistic Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.
Treatment pageDo you own or lease a Holistic Therapy Centre or Practice? Our Therapy Centre insurance packages provide some of the widest covers available.
Therapy Centre coversTalking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide
Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an optional cover. Just add it to any of our freelance hairdresser, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!
