Acupuncture Insurance

small business owner protected by Acupuncture Insurance

Acupuncture Insurance Coverage That’s on Point for Your Business

Your focus is on healing and improving the well-being of your clients, but running a practice comes with its own risks. With coverage that helps protect your staff and your business, acupuncture insurance solutions let you focus on what you do best: providing exceptional care.
 
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small business owner protected by Acupuncture Insurance

Why Do You Need Acupuncture Liability Insurance?

Running an acupuncture practice comes with unique challenges. From managing patient care to mitigating the risks of administering treatment, acupuncture liability insurance helps protect your business. Acupuncture insurance is made up of different types of business insurance coverages that can help protect you from everyday risks, so you can focus on your clients. Common types of coverage include:
 
small business owner who needs acupuncturist insurance

Who Needs Acupuncture Insurance?

Acupuncture insurance can help protect many types of businesses. Some practices that may need coverage include:
 
  • Acupuncture clinics
  • Holistic health centers
  • Integrative medicine practices
  • Mobile acupuncture services
  • Wellness spas offering acupuncture treatments
small business owner who has acupuncture malpractice insurance

What Type of Insurance Do I Need for an Acupuncture Practice?

Most acupuncturists have a Business Owner’s Policy (BOP) as the basis of their insurance plan for the peace of mind it can offer.
A BOP combines these three essential types of coverage into a single policy to help protect your acupuncture business from liability and property damage claims:
 
We know not all acupuncture practices face the same risks or have identical needs. We’ve made it easy for you to add other types of insurance to your BOP for added coverage and to better protect against other kinds of claims.
 

How Much Does Acupuncture Insurance Cost?

Not all business owners pay the same amount for acupuncture insurance. That’s because every practice has unique needs and insurers use different factors to determine cost. Here are the average costs our customers pay for some common types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
small business owner protected by acupuncture liability insurance

Here for You 24/7

Your time is valuable, especially when running a busy acupuncture practice. That’s why we make it easy for you to get your proof of insurance when you need it.

Covering Your Operations

A smooth, efficient operation is essential to the success of your acupuncture practice. But liability claims, lawsuits and malpractice accusations can affect your business. The right type of acupuncture insurance solutions can help protect your livelihood.
Slip and fall accidents account for 1 million emergency department visits every year.2
general liability insurance for acupuncturists

General Liability Insurance

“My patient slipped on the floor in the waiting room. They weren’t seriously hurt but getting sued caught us off guard.”
 
General liability insurance helps cover claims that your chiropractic business caused bodily injury or property damage to someone else.
business income insurance for acupuncturists

Business Income Insurance

“Our clinic had to close for an entire week when a storm knocked out the power. We couldn’t treat our patients until the electric company restored power.”
 
Business income insurance helps replace lost income if you can’t operate your practice due to covered property damage. This coverage can help you pay ongoing expenses like rent, payroll and utilities while you’re temporarily closed.

Taking Care of Your Team

No matter the size of your team, taking care of your staff is vital. Your employees face risks every day, from repetitive motion injuries during treatments to accidents while handling equipment. Workers’ compensation insurance helps cover you if an employee suffers bodily injury or illness while on the job.
1 in 3 care providers gets sued at least once in their career.3
professional liability insurance for acupuncturists

Professional Liability Insurance

“A customer sued one of my acupuncturists after a muscle relief session, claiming he was in more pain afterwards.”
 
Professional liability insurance helps protect your business from claims it made a mistake in the professional services given. This coverage is also known as errors and omissions insurance or malpractice insurance for acupuncturists.
workers' compensation for acupuncturists

Workers' Compensation Insurance

“I was finishing a treatment with my client when I accidentally pricked myself with a needle. I had to get blood tested to make sure there weren’t any additional issues.”
 
With The Hartford’s workers' compensation insurance, we offer a needlestick reimbursement program to help cover testing expenses.

Protecting Your Property

From the tables and needles you use every day, to the computers and inventory you rely on for managing operations, protecting your business’ property is important. The right insurance can help you respond to unexpected incidents like equipment failure or property damage that can put a pause on your practice’s day-to-day work.
Research shows that 90% of businesses fail within two years after being struck by a disaster.4
commercial property insurance for acupuncturists

Commercial Property Insurance

“A fire broke out in our building, and a lot of our practice’s furniture and supplies were destroyed.”
 
Commercial property insurance helps protect your practice’s equipment, inventory and rehab supplies that you use to operate.
Spoilage Insurance for acupuncturists

Spoilage Insurance

“We keep a variety of herbal remedies in cold storage. When a power outage caused the temperature to rise above the safe range, we had to throw everything out.”
 
Our spoilage insurance helps cover the spoilage of perishable goods due to a change in temperature on your premises or while in transit.

Acupuncture Insurance You Can Count On

We understand the challenges that acupuncturists face every day, from ensuring client safety during treatments to managing the everyday risks that come with running a service-based business. That’s why our coverage is designed to fit the needs of your specific industry. Rest easy knowing your acupuncture practice is protected with The Hartford.
 
Discover related professions we insure:
 

Frequently Asked Questions About Acupuncture Insurance

Acupuncture insurance includes different types of business insurance coverages to help protect your practice from common everyday risks. For example, if a client gets hurt, general liability insurance can help cover their medical expenses and your business’ potential legal costs. Acupuncture malpractice insurance, also known as professional liability insurance, can help cover your legal costs if a client sues you for making a mistake in the services provided.
Acupuncture insurance is important because without it, you’d have to cover claims out of pocket. This can put your acupuncture business at significant financial risk. Some states may also require certain types of business insurance, so it’s important to stay protected and compliant.
The best way to get acupuncture insurance from The Hartford is to get a free quote online. We make it simple to get a quote in just a few minutes. 
business owner got acupuncture insurance coverage quote

Get an Acupuncture Insurance Quote

Get the protection you need to help keep your acupuncture practice running smoothly.
 
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Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 NFSI, “NFSI Research, Quick Facts”
 
3 National Institutes of Health, “Medical Malpractice”
 
4 Congressional Research Service, “Federal Disaster Assistance for Businesses: Summaries and Policy Options”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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