As a Reiki practitioner, protecting yourself and your practice with liability insurance is essential. But understanding how to get insurance can be confusing, especially when state and local regulations vary widely.
This guide provides clear answers to your questions, whether Reiki is regulated under massage laws in your state, not regulated at all, or governed by local ordinances. You’ll learn which insurance providers to consider, the situations where training requirements may apply, and how to choose the best Reiki insurance for your needs.
Affiliate Disclosure
Some of the links below are affiliate links, meaning I may earn a fee if you purchase through one of the links. This does not affect the price you pay. Supporting these links helps me continue writing articles like this to assist all energy workers.
Can Reiki Practitioners Get Liability Insurance?
The short answer is yes, Reiki practitioners can get liability insurance. Insurance providers recognize Reiki as a distinct modality and offer policies tailored to its unique needs. Liability insurance provides protection against claims of injury or damage during Reiki sessions.
Understanding Reiki Licensing and Insurance Options
Reiki practitioners fall into different categories based on how their practice is regulated:
1. Reiki Is Regulated Under Massage Licensing Laws
In states like Texas and Florida, Reiki is classified under massage therapy licensing laws. If you’re practicing in these states, you’ll need to hold a massage license to obtain liability insurance.
Once licensed, you have access to the full range of massage insurance providers, including those listed in my article: Who Has the Cheapest Massage Insurance.
2. Reiki Is Not Regulated Under State Massage Licensing or the State Doesn’t Have Massage Licensing
In many states, Reiki is not recognized as massage therapy and doesn’t require a massage license. In California, Kansas, Minnesota, Vermont, and Wyoming, massage is not licensed. In these cases, you can still get Reiki insurance through providers that don’t require proof of training or certification.
The following providers cater to unlicensed Reiki practitioners:
| Insurance Provider | Training Verification Required Without State Licensing? | Details |
|---|---|---|
| InsureLMT | No | Covers Reiki practitioners without requiring certification or training verification. |
| Massage Magazine Insurance Plus (MMIP) | No | Offers insurance tailored to Reiki and other energy modalities. |
| Hands On Trade Association | No | Provides liability insurance for Reiki without requiring a license or training proof. |
| Alternative Balance | No | Specializes in coverage for unlicensed practitioners across a range of modalities, including Reiki. |
For more details, read my article: Massage Insurance Without State License.
3. Reiki Is Regulated by Local Government
In some areas, Reiki may not be governed by state massage licensing laws but instead by local regulations. Be sure to check your local government’s requirements. Regardless, you can still find Reiki insurance through providers listed above. If you’re on the fence about insurance, in a few paragraphs you’ll see that it isn’t expensive. Here are three reasons why I have massage insurance:
Benefits of Reiki Insurance
- Liability Protection: Covers claims of injury, property damage, or negligence during sessions.
- Client Trust: Demonstrates professionalism and reassures clients that they’re protected.
- Business Peace of Mind: Safeguards your practice from unexpected legal and financial challenges.
Reiki Insurance Providers for States Without Licensing Practitioners Comparison Table
| Provider | Annual Cost | Coverage Amount | Additional Benefits |
|---|---|---|---|
| InsureLMT | $94 | $2M per occurrence | Portable coverage across locations |
| Massage Magazine Insurance Plus | $169 | $3M per occurrence | Free CEUs, website and discounts |
| Hands On Trade Association | $165 | $2M per occurrence | Includes business property coverage |
| Alternative Balance | $269 | $3M per occurrence | Includes cyber liability insurance |
You Have Many Chooses for Reiki Insurance
Once you understand how Reiki is regulated (or if it’s not regulated) where you live, your on your way to finding the best Reiki insurance for you. Alternative Balance, Massage Magazine Insurance Plus, and Hands on Trade and Insure LMT are options that don’t require additional certification and/or training hours if your Reiki is not part of state massage licensing.
So, take the time to compare plans. It’s your hard-earned money. Spend it how it makes best sense for you.
Have Questions? I’m Here to Help!
If you have questions about Reiki insurance or need guidance navigating your options, reach out to me at mark@makethemostofmassage.com or the insurance provider. I’m happy to help you find the coverage that fits your needs and situation.
If you found this article helpful, please share it. Sharing is the primary way that we can help more practitioners. Thank you.
