Reiki Therapist Liability Insurance

NACAMS represents America’s 35,000+ reiki therapists, providing professional development tools, public education, and reiki liability insurance. With 25 years of trust in the health and wellness industry, NACAMS licensed professionals are the best-protected reiki therapists in the industry. Contact us now to secure the most comprehensive reiki liability insurance coverage available at the best rate in the industry.

Reiki is a Japanese energy healing practice and complementary approach to medicine, which attempts to transfer universal energy in the form of ki through palm-healing techniques. Ki is the Japanese version of qi, the life force energy that sustains our existence, and rei is the Japanese word for spirit. Thus, reiki means “spirit life force.”

Similar to acupressure, Reiki is centered on the idea that an imbalance of ki results in a higher susceptibility to illness. Practitioners of both methods aim at alleviating illness via energy healing, but acupressure therapists attempt to unblock the energy pathways while Reiki healers simply attempt to channel energy to the patient. In other words, “all healers use life force or ki, but not all use Reiki.”

Instead of manipulating the physical body, these healers manipulate the energy field penetrating the body, positioning their hands lightly on or above the patient so the energy of the universe may be channeled through one body and into the other. The method is comparable to meditation in this regard, as both are noninvasive therapies grounded in self-healing.

In 1922, Japanese Buddhist Mikao Usui completed a 21-day meditation and fast on Mount Kurama-yama. It is believed that during this time, Usui developed the traditional Japanese Reiki. He delineated his method by a set of five underlying principles, known as the Five Reiki Precepts:

  • Do not be angry.
  • Do not worry.
  • Be grateful.
  • Work with diligence.
  • Be kind to people.

Usui allegedly taught this technique to over 2,000 individuals, 16 of whom reached the masters level (Shinpiden), before his death in 1926. Chujiro Hayashi, one of said masters-level students, worked to synthesize his mentor’s method into a more accessible practice. After receiving approval from Usui, Hayashi founded a Reiki clinic in Tokyo, Japan.

There is no formal training program available to aspiring energy healers. Rather, the ability to channel energy from the universe to another person is passed on by a Reiki master during an “attunement,” a process through which the heart, crown and palm chakras are opened. Immediately thereafter, the student is able to perform Reiki.

It’s significant to note the difference between Japanese Reiki and Western Reiki, a system attributed to Hawayo Takata. Although they are almost identical, the former relies on intuition for hand placement, and the latter utilizes a set of hand patterns for treatment.

Energy healing techniques are known to balance the energies and chakras, strengthen personal awareness, promote self-healing and boost the immune system. They are often used to release repressed emotions and encourage positive thinking. Reiki may also alleviate stress, anxiety, headaches and back pain. In The Reiki Handbook, published in 1992, Sandra Nevins and Larry Arnold claim this holistic practice is effective for treating diabetes, cancer, brain damage and venereal diseases.

Source: Reddy, Kaya Niranjan Kumar. The Ultimate Guide to REIKI. 18 Dec. 2005. Web.

  • Karuna Reiki
  • Scanning
  • Beaming Reiki
  • Aura Clearing
  • Healing Attunement
  • Neurolinguistic Programming
  • Usui
  • Hayashi Method
  • Raku Kai

NACAMS Professional Policy for
Reiki Therapists

  • Professional & General Liability Insurance:
    $2 million per occurrence,
    $3 million individual annual aggregate
    Product Coverage: $2 million
    Rental Damage Insurance: $100,000
    Identity Protection Plan
    Stolen Equipment Coverage: $1,000*
  • PLUS Free Professional Website and
    Exclusive Member Discounts
  • Instant Coverage in minutes!
Student rates for reiki insurance
*$250 deductible applies to Stolen Equipment Coverage.

Do Reiki Practitioners Need Insurance?

In many areas, the practice of reiki is regulated, often by the same governing board that may regulate massage therapy and bodywork. Even though reiki is typically considered a form of energy work, it is important for prospective practitioners to find out whether this modality is regulated as a form of touch therapy.

One key reason to discover whether your state or region regulates reiki therapy is because, if this is the case, there will likely be certain requirements you must meet in order to attain and keep your license to practice reiki legally. One such requirement often is the need to purchase and provide proof of reiki liability insurance.

At first, some reiki therapists may be confused and even a bit frustrated by the legal need to invest in reiki liability insurance. However, it is important to understand that even when you practice a modality as gentle as reiki or other forms of energy work, there are still risks to you as the professional, and this is where reiki liability insurance comes into play.

In fact, even if you happen to work in an area where reiki practitioners are not required to secure reiki liability insurance, the risks of doing business with members of the public are still quite real and present. Therefore, even these unregulated reiki professionals would be wise to secure reiki liability insurance. At the most basic level, such a policy is designed to protect your practice and your assets from a variety of potential legal claims.

Now, you may be wondering exactly what these real and presents risks of running a professional reiki practice may be, and how such risks could ever lead to any kind of legal claim. For starters, one of the biggest risks of doing business in person with members of the public—as is the case in a reiki practice—is the fact that someone could happen to have an accident on the property of your reiki practice or inside your session room.

In the case of this kind of risk, your reiki liability insurance policy should provide coverage for what is called general liability. This portion of your reiki liability insurance policy is also known as trip and fall insurance, because it is designed specifically to deal with legal claims that involve trips, falls, slips and other kinds of accidents that could take place on the property of the business owner or inside the reiki session room.

Other risks of running a reiki practice include the risk of facing a legal claim from a client who believes he or she suffered some kind of harm due to a lack of skill or competence on your part as the professional reiki therapist or due to a product used in your reiki practice. Here, the malpractice and product liability aspects of your reiki liability insurance should provide the necessary financial support and protection.

For example, if a client comes to see you for reiki therapy and later believes that what you did during the session exacerbated an existing injury, she may decide to sue you for the damages. Even if her claims are wholly unfounded, you would want and need the malpractice coverage that comes with your reiki liability insurance to see you through the legal process.

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