Liability Insurance - Energy Medicine Professional Association
Liability Insurance - EMPA

 

EMPA insurance is specifically designed for the Energy Medicine professional and their practice. This individual coverage is tailored to cover students, practitioners and instructors. EMPA offers an annual policy that renews every year on April 1st and your premium is prorated based on the month you enroll. Coverage renews for a full year each April 1st. United States residents only.

 

Three Levels of Coverage to Choose From

Standard Liability Coverage

Coverage suited for Energy Medicine students and part-time practitioners working less than to 6 hours per week.

$225 annually - under $19 a month

 

Professional Liability Coverage

Coverage for Energy Medicine practitioners working more than to 6 hours per week up to full-time practice and classes or sessions with up to 9 participants.

$250 annually - under $21 a month

 

Premium Liability Coverage

Ideal for Energy Medicine instructors and practitioners working with groups over 9. Covers full-time practice and groups up to 99.

$350 annually - under $30 a month.

 


Prorated Premiums - 2017 through 2018

Your premium is prorated based on the month you enroll. Coverage renews for a full year each April 1st. Membership fees are included.

 AprMayJunJulAugSepOctNovDecJanFebMar
Standard $225 $206 $188 $169 $150 $131 $113 $94 $75 $56 $38 $19
Professional $250 $229 $208 $188 $167 $146 $125 $104 $83 $63 $42 $21
Premium $350 $321 $292 $263 $233 $204 $175 $146 $117 $88 $58 $29

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
  • Fulfills your professional responsibility to your client

 

Coverage

Coverage Description

Coverage Limits

Professional Liability
similar to malpractice

Covers claims made for injuries due to misconduct or lack of ordinary skill. Coverage will respond to incidents arising from the coverage period regardless of when those claims are reported.

$2 million per occurrence /
$4 million annual aggregate

General Liability

Covers claims for injuries that occur at your place of work, including trip and fall. Coverage will respond to incidents arising from the coverage period regardless of when those claims are reported.

$2 million per occurrence /
$4 million annual aggregate

Personal and Advertising Injury

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

$2 million per occurrence /
$4 million annual aggregate

Products/Completed
Operations Aggregate

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

$3,000,000

Property Rented to You

Covers fire damage to the space you work in.

$100,000

Umbrella Liability

Umbrella Liability is included in the coverage limits listed above.

 

 

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 sessions are covered but any breach of confidentiality over the internet is excluded from this policy. (HIPPA 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.

 

Modalities covered by EMPA liability insurance include, but are not limited to, the following:

 

Subtle Energy

  • Access Consciousness/ BARS
  • Acupressure
  • Alexander Technique
  • Angel Reading/ Card Reading
  • Aura Healing & Aura Reading
  • Barbara Brennan Healing Science
  • Bio-photon Therapy
  • Breathwork
  • Bodytalk
  • Clairvoyant Reader
  • 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
  • Jin Shin Jyutsu
  • Healing Touch
  • Healing Touch for Animals (excl. Equine)
  • Healing Touch Spiritual Ministry
  • Hurqalya Healing 
  • Integrated Energy Therapy® (IET)
  • LifeLine Technique
  • Life Alignment
  • Lionheart Institute's Energy Healing
  • Magnified Healing
  • Matrix Energetics
  • Pranic Healing
  • Polarity Therapy
  • Psych-K
  • Quantum Touch
  • Reconnective Healing
  • Reiki
  • Rising Star Healing
  • RoHun Therapy
  • Rosen Method
  • Shamballa Multi-Dimensional Healing
  • Shamanic Healing
  • Somatic Experiencing
  • Tapas Acupressure Technique (TAT)
  • Theta Healing
  • TFT (Thought Field Therapy)
  • Therapeutic Touch
  • Touch For Health
  • Zero Balancing

Verbal Modalities

  • ARTbundance
  • Creativity Coaching
  • Energy Psychology
  • Family Constellation Work
  • Guided Imagery/ Guided Meditation
  • HeartMath
  • Health Coaching
  • Hypnosis
  • Laughter Leader/ Laughter Yoga
  • Life Coaching
  • NLP
  • Quantum Healing Hypnosis Therapy
  • Percussive Suggestion Technique (PSTEC)
  • RIM Method
  • Spiritual Guidance and Support

Bodywork

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

Movement

  • Feldenkrais Method
  • Qigong
  • T’ai Chi
  • Yoga

Subtle Energy of the Senses

  • Aromatherapy
  • Art Therapy
  • Raindrop Therapy/ AromaTouch
  • SoulCollage®
  • Sound Healing
  • Therapeutic Musicians

Assessment

  • Applied Kinesiology
  • Biofeedback
  • Iridology

Main Policy Exclusions and Limitations:

  • Professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse midwife, x-ray therapist, radiologist, psychiatrist, psychologist, 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.
  • Any practices that diagnose, prescribe or is invasive in nature.
  • Personal Training: 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.
  • Internet, phone and Skype sessions are covered but any breach of confidentiality over the internet is excluded from this policy. (HIPPA regulation)
  • All covered activities must be therapeutic in nature. Activities performed solely as entertainment, such as psychic readings and fortune telling are not covered

 


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.

 


 

About the Insurer

Tokio Marine Specialty Insurance Company
Philadelphia Insurance Company

 

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.


Additional Benefits - EMPA
 
Subscribe to Energy Magazine Free!