LED Light Therapy
Liability Insurance
Protect Your Career with LED Light Therapy Liability Insurance
As an LED light therapist, your passion lies in promoting skin rejuvenation, reducing inflammation, and supporting your clients’ wellness journeys through the power of light therapy. But are you taking the right steps to protect your own career? Our LED Light Therapy liability insurance addresses the unique risks of light-based treatments, so you can focus on your services without worrying about legal or financial setbacks.
With comprehensive liability insurance, you're covered for unexpected incidents, like adverse skin reactions during red light therapy, fall accidents in your space, or even claims related to personal and advertising injury. Whether you offer services in a spa, wellness center, or operate as a mobile or independent contractor, this liability insurance policy provides a strong safety net that follows your practice wherever you go.
Our insurance policy offers instant coverage, flexible options, and protection that includes both professional liability insurance and general liability insurance, so you’re shielded from claims related to the actual services you provide as well as general risks that may occur during a session.
MMIP’s LED Light Therapy Insurance is trusted by professionals across the beauty and wellness industry, from estheticians and holistic healers to light therapy specialists working in spas, wellness clinics, and private studios.
Focus on delivering safe, effective light therapy treatments—we’ll provide the liability coverage and peace of mind you need to do what you do best.
LED Light Therapy Liability Insurance Cost
$169 - 1 Year
Our LED 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 less hours? Pay lower rates. This LED 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 LED 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 LED Light Therapy Insurance Covers
LED Light Therapy insurance from MMIP provides both liability coverage and additional safeguards that provide the best all-around protection possible.
Our LED 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 can provide financial assistance to LED light therapists if you become legally obligated to pay damages that arise from claims related to false advertising, libel, slander, or copyright infringement. For example, if a bodyworker's marketing materials inadvertently include false statements that damage another person's reputation, this coverage can help with legal and financial fallout.
Professional Liability Insurance: Also called “malpractice coverage,” this protection is for the actual services you provide during an LED 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 LED Light practitioners are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our members get all the way 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 LED Light Therapy?
LED light therapy is a non-invasive, science-backed modality that uses varying wavelengths of light, including red, blue, and near-infrared, to promote skin health, reduce inflammation, and support overall wellness. Often used in spas and wellness settings, it’s a favorite among professionals for its ability to rejuvenate skin, ease chronic conditions, and provide gentle, therapeutic benefits.
This advanced light therapy technique has its roots in NASA research, where it was originally developed to help astronauts with tissue healing. Today, it’s widely adopted in the beauty industry and holistic health spaces as an effective way to improve skin tone, stimulate collagen, and support cellular repair.
LED light treatments look at a variety of concerns, from acne and fine lines to muscle tension and inflammation. Whether your clients are seeking anti-aging support, post-treatment recovery, or simply enhanced relaxation, light therapy treatments offer a powerful, non-invasive solution, and your practice deserves the liability insurance coverage that protects it every step of the way.
Do I Need LED Light Therapy Liability Insurance?
Absolutely! Carrying LED Light Therapy liability insurance is a smart and necessary safeguard, and in some states or work environments, it may even be a requirement. Since regulations vary, staying informed and making sure your liability insurance policy aligns with your scope of practice is important.
But insurance isn’t just about compliance; it’s your personal safety net. Accidents happen, from an adverse skin reaction during a light therapy treatment to a client tripping in your space. Even unintentional advertising injury or a miscommunication about results could lead to a liability lawsuit.
With comprehensive coverage that includes general liability insurance and professional liability, you will stay focused on your clients’ wellness, knowing you're protected from unexpected legal or financial risks.
Don’t leave your career unguarded; choose the most cost-effective safeguards and practice with peace of mind.
What Should I Look for in an LED 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 LED 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
Why do I need LED Light Therapy liability insurance?
Whether you're using LED light for skin rejuvenation or wellness, liability insurance gives you a solid safety net. It helps protect you from claims related to skin reactions, treatment outcomes, or even slips and falls, because general liability insurance protects against more than just service-related incidents.
What’s the difference between general and professional liability?
Professional liability covers treatment-related issues (like a client reacting to a light session), while general liability coverage applies to things like falls in your space. We include both in the same policy, so you’re fully covered.
How fast does coverage start?
You’ll get instant liability insurance coverage the moment you sign up. That means immediate coverage and your certificate of insurance right away.
Are holistic and bodywork services covered too?
Yes! We include a wide range of modalities covered, like vibrational healing massage therapy, maya abdominal therapy, cranial soft tissue release, and deep muscle massage, including specialties like Vodder's manual lymph drainage and Benjamin system of muscular therapy.
Do you cover alternative healing and energy techniques?
Absolutely. Your plan also includes services like aroma reflex therapy, Bach flower remedies topicals, full-spectrum energy medicine, and asymmetric body balancing attunement. Look at our list of 500+ modalities covered.
Can I travel to clients or work in multiple locations?
Yes, mobile coverage is included. You’re protected whether you’re working at a spa, a client’s home, or in your own space.
How are claims handled?
Your plan uses occurrence form coverage, so you’re protected even if a claim is filed after your policy ends, as long as the incident happened while you were insured. We help cover legal expenses and legal costs when needed, providing strong legal defense.
Does this include identity protection?
Yes. Our policy includes identity theft protection to help guard your sensitive information and support you if your identity is compromised through your business.
