Color Light Therapy
Liability Insurance
Protect Your Career with Color Light Therapy Liability Insurance
As a color light therapist, your mission is to promote healing, balance energy, and support vibrational well-being, but are you protected from the unexpected? Our Color Light Therapy Liability Insurance is built specifically for your modality, shielding you from the unique risks that come with using light frequencies in your wellness practice.
With our comprehensive coverage, you’re protected from liability claims that may come up during sessions. Whether it’s a client reacting unexpectedly to a specific color application or an accidental trip in your therapy space, this liability coverage offers real peace of mind.
Our insurance policy is affordable, flexible, and made to support how and where you practice. You’ll receive instant coverage that moves with you, whether you work from home, in a spa, or at a holistic wellness center.
MMIP’s color light therapy liability insurance is trusted by wellness professionals and energy healers nationwide, from those offering Bach flower remedies and vibrational healing massage therapy, to those incorporating Naam yoga therapy or Rys Thomas energy medicine into their sessions.
You focus on restoring energy and supporting transformation; we’ll take care of the rest.
Color Light Therapy Liability Insurance Cost
$169 - 1 Year
Our Color Light Therapy insurance policy is tailored by years of experience just for practitioners. We provide perks and benefits other companies don't - like free CEs, coverage for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work fewer hours? Pay lower rates. This Color Light Therapy liability insurance policy is for professionals who work fewer than 10 hands-on hours per week but still want high-quality insurance coverage.
$299 - 2 Year
Protect yourself with our two-year Color Light Therapy liability insurance policy that saves you $39 over the course of your membership. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in coverage for two years.
Already insured & looking to renew?
What Our Color Light Therapy Insurance Covers
Color Light Therapy insurance from MMIP provides both liability coverage and additional safeguards that provide the best all-around protection possible.
Our Color Light Therapy Insurance Plans Provide Coverage Under the Following Areas:
General Liability Insurance: This is also known as “slip and fall” insurance because that’s a common type of accident that can cause a claim. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. A client tripping over a loose front doormat and injuring themselves is an example of an event that would fall under this coverage type.
Personal & Advertising Injury Coverage: This coverage provides financial assistance to Color Light therapists if they become legally obligated to pay damages that arise from claims related to false advertising, libel, slander, or copyright infringement. For example, if your marketing material inadvertently includes false statements that damage another person's reputation, this coverage helps with the legal and financial fallout.
Professional Liability Insurance: Also called “malpractice coverage,” this protection is for the actual services you provide during a Color Light Therapy session. If a client reports an injury, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Identity Protection Plan: Today’s Color Light therapists are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our members get up to $25,000 in identity restoration services.
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 50 hours of FREE NCBTMB-approved online continuing education courses from Niel Asher Education.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What Is Color Light Therapy?
Color Light Therapy, also known as chromotherapy, is a holistic wellness technique that uses specific light wavelengths to restore energetic balance, promote healing, and support overall well-being. By applying targeted colors to the body, this modality activates natural healing responses, assists with mood regulation, and improves vibrational alignment across physical and emotional systems.
While modern chromotherapy has evolved alongside advancements in energy medicine, its roots trace back to ancient Egypt, India, and China, where healers used sunlight filtered through colored glass to treat many ailments. Today, Color Light Therapy is gaining popularity in wellness centers, spas, and private practices, often integrated with energy healing techniques like Bach flower remedies, the Therapeutic Touch method, or Naam Yoga therapy.
Color Light Therapy addresses a variety of client needs, from easing seasonal affective disorder and encouraging relaxation to balancing the chakras and supporting trauma recovery. Whether you're using LHE phototherapy, no lasers, integrating vibrational healing massage therapy, or offering Rys Thomas energy medicine, this modality offers a gentle yet effective approach to promote wellness at every level.
Do I Need Color Light Therapy Liability Insurance?
Absolutely! Carrying Color Light Therapy liability insurance isn’t just smart, it’s important. While legal requirements vary by state and facility, having the right insurance coverage is the difference between peace of mind and costly legal stress.
Even though Color Light Therapy is non-invasive and gentle, that doesn’t mean you’re immune to potential liability claims. A client may have an unexpected emotional reaction, interpret the outcome of a session differently than intended, or simply experience discomfort. In any of these cases, general and professional liability protection assures you're covered.
Having a solid insurance policy gives you the freedom to focus on providing transformative energy healing without the fear of lawsuits or legal fees. Whether you're offering functional range release, combining light with trauma-releasing exercises, or using healing code protocols, the right coverage protects your passion and your practice.
Don’t take chances with your career, secure your liability insurance today, and keep your focus on what matters: your clients’ energetic well-being.
What Should I Look for in a Color Light Therapy Insurance Policy?
Prioritize a policy that covers both professional and general liability, including a range of services like sports massage, Swedish massage, yoga, and cosmetology. Also, look for policies offering free continuing education, member discounts, and flexible payment plans.
Our Color Light Therapy insurance policy checks all these boxes, making sure that every aspect of your practice is protected. With our specialized insurance policy, you'll confidently focus on providing exceptional care to your clients, knowing that you have complete and tailored coverage backing your professional journey.
Hear What Our Liability Insurance Members Have To Say
Frequently Asked Questions
What does color light therapy liability insurance actually cover?
Color Light Therapy liability insurance helps protect you if a client claims they were harmed during a session. It includes general liability coverage (like a slip or fall) and professional liability insurance (like dissatisfaction or discomfort from a treatment). This is your safety net against unexpected costs like legal defense fees and liability lawsuits.
I offer multiple wellness services. Does this policy still work for me?
Yes! If you also offer massage therapy, Maya abdominal therapy, Vodder’s manual lymph drainage, or even John's neuromuscular therapy, you will still be covered. As insurance specialists MMIP has tailored your insurance policy to include modalities like Bach flower remedies, the Therapeutic Touch method, and Naam Yoga Therapy Phoenix.
I’m not just a light therapist, I’m also an esthetician. Can this cover both?
Definitely, you can combine esthetician liability insurance with your Color Light Therapy coverage. This includes protection for esthetician services like eyelash extensions, false nails, and chemical wave children's services. Ask about an esthetician insurance policy or a complete esthetician insurance program to get adequate coverage for your full practice.
What if I get sued years after a session?
Our occurrence form coverage means you’re protected for sessions that happened while your policy was active, even if the claim is filed later. That’s long-term risk management you can count on.
How much coverage do I need?
That depends on your services, but most therapists choose generous coverage limits like a million annual aggregate. This gives you enough liability coverage for multiple claims in a year without extra additional fees.
Does this include extras like identity protection?
Yes! Our policy comes with identity theft protection and access to an identity theft protection plan, plus other member benefits like discounts, continuing education, and wellness tools.
Is this only for color light therapists?
Not at all. We also serve wellness pros offering muscular therapy berry method, classical massage, geriatric massage, point therapy, and more. Whether you’re just starting or have a full esthetician business, we’re the insurance provider with the same great coverage for all kinds of wellness services.
