Professional insurance: what a reflexologist must cover

No text obliges a reflexologist to be insured. Yet, three parties will request a certificate: the owner of the premises you rent, the company that engages you to work with its employees, and the wellness centre that hosts you one day per week.

Professional civil liability covers the damages your activity could cause to others. In reflexology, the risk is not theoretical: a fall while getting off the table, a skin reaction to an oil, an object knocked over at a client’s place.

Points to check before signing

• Is reflexology specifically listed among the covered activities?
• Are home visits covered, and within what scope?
• Are interventions in companies or establishments also covered?
• What is the amount of the coverage limit, and that of the deductible?
• Does the coverage continue to apply after the activity stops, for prior incidents?

Declare your activity as it is

If you work in a company and your contract only mentions a practice in a clinic, the coverage may be denied when you need it. A misdeclared activity costs less at subscription, and much more on the day of a claim.

A detail that saves time

Keep your certificate handy, in digital form: it will always be requested when you don’t have it at hand. Also remember to renew it in your calendar, one month before the expiry.