Seasoned practitioners realize that even though it is unlikely they woud be sued or named in a lawsuit, it is not worth risking your career or finances. Given today's economic climate, with increasing lawsuits and increasing costs to defend a claim, it is more important than ever to protect yourself. Even if you have done nothing wrong, just defending yourself can have a huge financial impact on you and your business! 

Why take this risk when excellent protection is so affordable?

EMPA insurance is specifically designed for the Energy Medicine professional and their practice. This liability insurance is for the professional liability of the practitioner or instructor while practicing or teaching their modality with an individual or class. This is not a business policy. Your business is only covered for liabilities arising from your professional activities. Must be a United States resident. Upgrade at any time during the policy year. 

Three Levels of Coverage to Choose From

Standard

$235

Standard Annual Policy
and EMPA Membership

  • Coverage suited for Energy Medicine students and part-time practitioners working less than 6 hours per week.
  • Allows for classes or sessions with up to 9 in-person participants.
  • No participation limits for online sessions or classes.
  • Upgrade at any time during the policy year ​

MOST POPULAR

Professional

$260

Professional Annual Policy
and EMPA Membership

  • Coverage for Energy Medicine practitioners working more than 6 hours per week up to full-time practice.
  • Allows for classes or sessions with up to 9 in-person participants.
  • No participation limits for online sessions or classes.
  • ​Upgrade at any time during the policy year 

Premium

$365

Premium Annual Policy
and EMPA Membership

  • Coverage for any practitioner working with large, in-person groups with over 9 participants.
  • Allows for classes or sessions with 1-99 in-person participants.
  • No participation limits for online sessions or classes.
  • Level change can be made at renewal ​

Comprehensive Coverage

EMPA liability insurance includes comprehensive coverage. If you are named in a lawsuit, an experienced attorney will represent you. Whatever the outcome, this policy pays for legal fees, court costs, and any judgments involving claims or allegations as outlined in the coverage description. Liability insurance:
  • Pays for accidents that cause injury to your clients such as slip and fall
  • Pays for negligence due to misconduct or lack of skills
  • Protects you from suits involving libel, slander or invasion of privacy
  • ​Covers claims made against you for damage or injury resulting from a product you used on a client
  • ​Covers damage to your rented work space
  • ​Covers legal defense cost if you are sued
  • ​Occurrence-form coverage, which protects you from late-filed claims. This added feature helps safeguard your business—and your peace of mind.
  • ​Fulfills your professional responsibility to your client!
Sure, you can find cheaper insurance coverage elsewhere. But are you sure you're protected? Not all insurance policies are the same and not all insurance companies will understand your practice. If you do experience a claim, you can expect knowledgeable, empathetic assistance to help you expedite the rapid resolution of your claim. Knowing that EMPA is here to support you, lets you focus on what's most important—building your successful practice and serving your clients.

Policy Coverage

Coverage: Professional Liability
similar to malpractice
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
Coverage: General Liability
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
Coverage: Personal and Advertising Injury
Protects you from suits involving libel, slander, false advertising or wrongful invasion of privacy.
Coverage Limits
$2 million per occurrence /
$4 million annual aggregate
Coverage: Products/Completed
Operations Aggregate
Covers claims made against you for damage or injury to a client resulting from a product you use on clients.
Coverage Limits
$3,000,000
Coverage: Property Rented to You
Covers fire damage to the space you work in.
Coverage Limits
$300,000

Additional Coverage Information

  • Must be a US resident. Coverage is offered in all 50 United States.
  • No deductibles for general liability or professional liability.
  • Coverage for any place you work; an office, on site, seminar, convention, healthcare facility, spa and anywhere you travel in the United States.
  • ​Coverage starts as soon as the application is approved.
  • ​Covers any incident that happens within your policy period, even if the claim is made years later and your policy has expired. (occurence)
  • ​Internet, phone and Skype/ Zoom, etc sessions are covered but any breach of confidentiality over the internet is excluded from this policy. (HIPAA regulation)
  • ​All covered activities must be therapeutic in nature. Activities performed solely as entertainment, such as psychic readings and fortune telling are not covered.
  • ​Coverage assumes the practitioner is operating within the laws of their state, including any other legal compliance.
  • ​Coverage assumes the practitioner is trained to practice listed modalities and is working within their scope of practice/training.
  • ​Once purchased, the coverage cannot be cancelled during the policy term.
  • ​Health/ Wellness coaches that give advice that is informative or educational but not prescriptive are covered.

Covered Modalities

Many practitioners in the Energy Medicine field have training in a number of modalities. You may receive coverage for several of modalities provided you have a basis of training in a professional program that ensures that you are a safe practitioner. If you have training in a modality that is not listed below, please contact us to see if we can offer you coverage.
Core modalities covered by EMPA liability insurance include, but are not limited to, the following:

Subtle Energy

Access Consciousness/ BARS
Acupressure
Akashic Records
Alexander Technique
Angel Reading/ Card Reading
Aura Healing & Aura Reading
Barbara Brennan Healing Science
Beyond Quantum Healing (BQH)
BioMagnetic Code
Breathwork
Bodytalk
Cardinal Method 
Color Therapy
Craniosacral Therapy
Crystal Healing
Direct Divine Light Healing™
Eden Energy Medicine
EFT (Emotional Freedom Techniques)
Energetic Healing (EH)
Energy Balancing
Energy Field Work
Energy Tapping
Esoteric Healing
Havening
Healing Touch
Healing Touch for Animals (excl. Equine)
Healing Touch Spiritual Ministry
Integrated Energy Therapy® (IET)
Intuitive Reader
Jin Shin Jyutsu
LifeLine Technique
Life Alignment
Lionheart Institute's Energy Healing
Magdalena Healing 
Magnified Healing
Matrix Energetics
Medical Intuitive
Metatronic Healing 
Natural Bioenergetics
Pranic Healing
Polarity Therapy
Quantum Access®
Quantum-Touch
Reconnective Healing
Reiki
Resonance Repatterning ® 
Rising Star Healing
Rosen Method
Seven Cups of Consciousness
Shamballa Multi-Dimensional Healing
Shamanic Healing
Splankna
Star Magic Energy Healing
Sufi Spiritual Healing 
Tapas Acupressure Technique (TAT)
The Practical Path® Medical Intuition
Theta Healing
TFT (Thought Field Therapy)
Therapeutic Touch
TOLPAKAN Healing Method
Touch For Health
Zero Balancing

Coaching

Business Coaching
Creativity Coaching
Health Coaching
Life Coaching
Relationship Coaching

Verbal Modalities

ARTbundance
Energy Psychology
Family Constellation Work
Guided Imagery/ Guided Meditation
HeartMath
Hypnosis/ Hypnotherapy
Integrative Quantum Healing
Laughter Leader/ Laughter Yoga
NLP
Quantum Healing Hypnosis Technique
Percussive Suggestion Technique (PSTEC)
PSYCH-K®
Rapid Transformational Therapy
RoHun Therapy
RIM Method
Summit Transformation

Subtle Energy of the Senses

Aromatherapy
Aroma Freedom Technique (AFT)
Art Therapy
Biofield Tuning
Flower Essence Therapy (ingestibles excluded)
Raindrop Therapy/ AromaTouch
SoulCollage®
Sound Healing
The Alexander Method® of Vibrational Sound & Energy Therapy
Therapeutic Musicians
Tuning Fork Vibrational Therapy

Assessment

Applied Kinesiology
Biofeedback
Emotion Code/ Body Code
Iridology
NES Health (ingestibles excluded)
Qest 4 (ingestables excluded)

Movement

Essential Motion
Feldenkrais Method
Qigong
Somatic Movement
Somatic Personal Resonance Education
T’ai Chi

Bodywork

Bodywork and Somatic Education (BASE)
Core Energetics
Reflexology
Somatic Experiencing

Additional modalities that can be covered (must have one of the above modalities to qualify)

Bodywork

Massage Therapy
Amma Therapy
Bowen Technique
Hawaiian Bodywork
Kripalu Bodywork
Many More...

Additional Subtle Energies

Astrology
Clairvoyant/ Medium
Numerology
Therapeutic Tarot Card Reader

Additional Movement

Free-form Movement/ Dance
JourneyDance
Qoya
Yoga

Main Policy Exclusions and Limitations

Like all insurance contracts, the insurance provided under the Energy Medicine Professional group insurance policy contains exclusions and limitations that reduce or eliminate coverage for certain types of claims. A copy of the policy is available on the portal for members to examine for an understanding of how and under what circumstances your insurance applies. If there are any portions of your policy that you do not understand, please contact us for an explanation. Some but not all, of the policy exclusions are summarized below:
  • 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, 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 the licensed activities listed above under this policy.
  • 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.
  • Any practices that diagnose, prescribe, is invasive in nature or makes curative claims.
  • ​Personal Training or any service or advice in connection with cardio-vascular fitness, body building or physical training programs or athletic coaching.
  • ​All products ingested or taken internally.
  • ​Laser Treatments.
  • ​Esthetics services, chemical skin enhancement, ear candling, cupping using heat sources, moxibustion.
  • ​The sale of products you manufacture, or which are sold under your brand or label.
  • ​Equine treatment.
  • ​Steam rooms, saunas and sweat lodges.
  • ​Sexual abuse/molestation.
  • ​Any martial art or combat training or activity is specifically excluded. Tai Chi and other energy movement modalities are covered as long as they are limited to teaching and training of movement, breath, and energy movement.
  • ​Cyber Liability is excluded.
  • ​The practitioner is covered to offer internet, phone, and Skype sessions, but any breach of confidentiality over the internet is excluded from this policy. 
  • ​All covered activities must be therapeutic in nature. Activities performed solely as entertainment, such as psychic readings and fortune telling are not covered. 
  • ​Liability arising from the function or malfunction of a device used to effect treatment. 
  • ​Businesses are not covered by this policy except as separate entities for liability arising directly from the covered activities of the insured individual.
Revised: February 2021 

Terms and Conditions of Insurance

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.

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 EMPA Code of Ethics and understand that activities outside the EMPA Code of Ethics may void coverage.

I understand that the comprehensive coverage provided by EMPA 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.
Revised: February 2021 

About the Insurer

Tokio Marine Specialty Insurance Company is a wholly owned subsidiary of Philadelphia Consolidated Holding Corporation (PHLY), a member of the Tokio Marine Group. Tokio Marine Specialty is an Excess and Surplus lines commercial insurance carrier serving specialized industries in all 50 states, including Washington, D.C. and the U.S. Virgin Islands. PHLY is rated “A++” (Superior) by the A.M. Best Company and “A+” by Standard & Poor’s. The Group is ranked within the Top 20 life/non-life insurance company groups in the world based on market capitalization.

What does this rating mean to you? This means that the company insuring your practice is financially secure. This level of financial security means that the Philadelphia Insurance Companies family of companies is not required to participate in the state insurance guarantee programs that some states have.

Associate Member Partnerships

EMPA offers partnerships with other Energy Medicine organizations, making it possible to bring this valuable business opportunity to Energy Medicine practitioners across the country. View current Associate Members. If your organization is interested in forming a partnership to benefit your members, please email us.

Still not sure about getting Insurance?
Get our FREE Insurance Buyers Guide

Download a Free Insurance Buyers Guide and find out.
Liability insurance is one of the best ways to protect your energy practice. To learn how you benefit from insurance and how insurance works check out our Buyer’s Guide to Liability Insurance. The guide includes information about policy details, common mistakes and a coverage checklist. You will learn how our policy addresses the unique professional liability needs of energy practitioners.
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EMPA Insurance policies are underwritten by Tokio Marine Specialty Insurance Company is a wholly owned subsidiary of Philadelphia Consolidated Holding Corporation (PHLY), a member of the Tokio Marine Group. Tokio Marine Specialty is an Excess and Surplus lines commercial insurance carrier serving specialized industries in all 50 states, including Washington, D.C. and the U.S. Virgin Islands. PHLY is rated “A++” (Superior) by the A.M. Best Company and “A+” by Standard & Poor’s.
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