Alternative medicine and wellness

Professional liability insurance for alternative and natural health practitioners in Quebec

Contact us for a quote

1.833.470.2504 professionnel@laturquoise.ca
Acupuncture session involving the insertion of needles into a patient’s back in a professional clinic setting. Situation related to liability insurance for practitioners of alternative medicine in Québec.

Coverage built for your alternative and natural health practice

Every consultation engages your professional liability. Behind the practice, a business also needs protection. More and more Canadians are consulting alternative health practitioners. Insurers now recognize these services for reimbursement. Two conditions apply: membership in a professional association and a professional liability insurance policy.

La Turquoise covers all your activities under one policy. Naturopath, massage therapist, acupuncturist, osteopath, kinesiologist, hypnotherapist: one contract covers all your disciplines.The policy includes three essential coverages.

  • Professional liability covers claims related to your advice or treatments.
  • General liability protects you in the event of injury or damage involving a client.
  • Property coverage protects your equipment, massage tables, therapeutic devices, and office supplies.

The program is designed for self-employed practitioners at an adapted rate. Practice in a private office, a shared clinic, or at clients’ homes is covered. The program is available in all Canadian provinces.

La Turquoise has been supporting natural health practitioners for over 20 years. Service is fast. Quotes are available online or by phone.

Member of a partner association? Auto and home insurance discounts are available for you and members of your household.

See available discounts

Coverages included in the alternative medicine program

See what the program covers
  • Professional liability: a client disputes a treatment or advice given during a session. This coverage handles your liability related to the care and services you provide.
  • General liability: a client is injured in your office. A visitor suffers property damage. This coverage handles bodily injury or property damage caused to a third party.
  • Criminal defence costs: a formal complaint is filed against you. Legal costs related to your defence are covered.
  • Three optional coverages can be added based on your situation.
    • Contents (property): your therapeutic equipment, furniture, and office supplies are covered against damage or breakage.
    • Income replacement: a loss forces the temporary closure of your practice. This coverage replaces your income during the interruption period.
    • Theft of money coverage: the loss stems from an employee or an external theft. Your business is protected.

What the alternative medicine program concretely changes for you

Discover program advantages
  • One policy for all your activities: naturopath, massage therapist, acupuncturist, or osteopath. All your disciplines are covered under one contract.
  • Zero brokerage fees, zero financing fees: the listed price is the actual cost. No surprises at signing. You can pay monthly with no interest.
  • Coverages built for your sector: no need to search for endorsements or negotiate additions. The risks specific to your practice are covered from the start.
  • No mandatory membership: you do not need to be a member of a professional association to enrol in the program.
  • Benefits for members of partner associations: has your association signed an agreement with La Turquoise? A copy of your policy can be sent directly to your association. An additional discount may also apply.
  • Direct access to a specialized broker: La Turquoise has known the alternative medicine sector for over 20 years. A broker manages your file and works for you, not for the insurer.
  • Coverage available across Canada: the program covers your practice in all Canadian provinces.

Partner associations in the program

You do not need to be a member of an association to enrol. Members of partner associations receive additional benefits, including a premium discount.

Find my association
  • Association Nationale des Naturopathes (ANN)
  • Alliance professionnelle des Naturopathes et Naturothérapeutes (APNN)
  • Association professionnelle des ergonomes du Québec (APEQ)
  • Ordre Canadien des Praticiens en Naturopathie et Naturothérapeutes (OCPNN)
  • Association Can-Américaine des Massothaérapeutes (ACAM)
  • Mon Réseau (Réseau des massothérapeutes professionnels du Québec)
  • Programme d’Enseignement Sportif et Culturel (PESC)
  • Académie des Naturopathes et Naturothérapeutes du Canada (ACNN)

Save on your premium

Your La Turquoise broker helps you find the discounts that apply to your situation. Savings vary based on your profile and coverages. They let you lower your premium with ease.

Recommended coverages

Your program covers your professional and general liability. Other coverages can complement your protection based on your situation.

Cyber insurance

You store client files, session notes, or payment information. A breach of that data can engage your liability. Cyber insurance covers recovery costs, income losses, and regulatory fines in the event of a cyber incident.

Learn more about cyber insurance
  • A virus causes the disclosure of confidential client information.
  • A hack makes health data stored in your system accessible to others.
  • An email sent to the wrong recipient exposes personal information. 

Contents and professional property

Your work equipment is a significant investment. This coverage protects your property against damage caused by a covered loss.

  • A flood damages your massage table and office furniture.
  • A fire destroys your therapeutic equipment and products in stock.
  • Water damage affects devices in your practice space. 

Equipment breakdown

Some therapeutic devices are costly to repair or replace. This coverage handles the sudden and accidental breakdown of your electrical or mechanical equipment.

  • An electrical surge damages your light therapy device.
  • A mechanical failure disables your neurofeedback equipment.
  • A sudden breakdown of a laser therapy device requires immediate replacement. 

Welcome to ProtecPro

The alternative medicine program is one of our flagship programs at ProtecPro, our division specialized in insurance for professionals.

Details
  • Speed: Distributed exclusively online, our program lets you get a quote quickly while giving you access to our dedicated team’s guidance.
  • Tailored coverage: Insurance program adapted to the requirements of the various associations and oversight organizations in the sector.
  • Competitive rates: Competitive pricing for self-employed practitioners and firm owners.
  • Peace of mind: Our brokers’ expertise ensures you have the best protection for your practice.
  • Specialized service: We support you through claims, and at every new stage of your business.

Protect my business now

Your questions about insurance for alternative and natural health practitioners

Practising alternative medicine often raises insurance questions. Obligations, types of coverage, equipment protection, professional liability: this section brings together answers to the most common questions.

Professional liability insurance is not always legally required in Quebec. It is, however, strongly recommended for any practitioner who provides care to clients. It covers the financial consequences of an error, an incident, or an alleged injury during a session. Professional associations, premises owners, and business partners often require it. In addition, insurers who reimburse alternative health services generally require practitioners to hold such insurance.

  • General liability covers property damage or bodily injury caused to third parties. A client who slips at the entrance to your office, or an object damaged during a visit: these are situations covered by this protection. 
  • Professional liability covers the consequences of your professional acts. A disputed treatment, a challenged recommendation, or an outcome that falls short of a client’s expectations: this coverage steps in. Both protections complement each other and are essential for an alternative health practitioner.

Yes. La Turquoise’s alternative medicine program covers all your activities under one policy. Naturopath and massage therapist, acupuncturist and life coach, reflexologist and energy healing practitioner: one contract covers any combination. There is no need to take out a separate policy for each discipline you practise.

Yes. The alternative medicine program is available in all Canadian provinces.

Wherever you practise in Canada, your coverage remains in effect. A practitioner who travels between Quebec and Ontario, or who offers consultations in multiple provinces, does not need a separate policy for each territory. 

Your broker ensures your contract accurately reflects your situation.

Yes. The program covers your practice regardless of where you work. Private office, shared clinic, client’s home, or on the road: coverage follows the practitioner, not just a fixed location.

If you work in multiple contexts, mention it to your broker when getting your quote. This ensures your profile is accurately reflected in your contract.

Practical tips for everyday life

See all our tips

Insurance solutions built for your everyday needs

Because every situation is different, we offer coverages tailored to your reality, whether it involves your property, your activities, or your business.