Liability insurance for therapists, massage, yoga and Pilates in Portugal and Spain
For therapists, massage therapists and yoga, Pilates and tai chi teachers who work in Portugal or Spain — in a studio, at a retreat, in clients' homes or online. A client injured in a class or after a treatment can claim far more than the fee you charged; the right policy answers for the claim and pays for your defence.
What we look at
The activities we insure
Massage, the non-conventional therapies recognised in Portugal — acupuncture, homeopathy, osteopathy, naturopathy, phytotherapy, chiropractic and traditional Chinese medicine — and yoga, Pilates, tai chi and other wellbeing practices.
Portugal and Spain
Hiscox writes this cover in both Portugal and Spain, so a therapist or teacher who works on both sides of the border can have one adviser and a coherent programme.
The declared activity
The policy covers what is described in it. A new technique, a retreat abroad, online classes or a move to another studio must be declared, or the cover may not respond.
Limits and basis
We work from €250,000 per claim, on a claims-made basis: the policy answers for claims made while it is in force, so continuity from one policy to the next matters.
Related cover
Professional liability
Cover for advice and treatment, from €250,000, on a claims-made basis.
Family liability
Limits in line with the household's assets — for guests, staff and every home.
International health insurance
Health cover for families who live and travel between countries.
High-value homes — Portugal
The house, its contents and valuables, with the sum insured based on rebuild cost.
High-value homes — Spain
The house, its contents and valuables, with the sum insured based on rebuild cost.
Art, jewellery & watches
Listed items on an agreed value, at home and when travelling.
Classic & high-value cars
Collector and high-value cars, insured on their real value.
Yachts & boats
Hull, liability and navigation area, for private use or charter.
Family offices
Fiduciary liability, cyber, fraud and kidnap & ransom for families and their structures.
How we work
In writing first
We read your current policies and the property before proposing anything, and send you a written opinion.
Specialist insurers
Homes and valuables are placed with insurers that specialise in private clients, chosen for the wording each risk needs; international health with Allianz Care, Cigna Global and APRIL International — always subject to the insurer accepting the risk.
One adviser, two countries
Portugal and Spain with the same adviser. In Spain we work under the EU freedom to provide services.
Request a written opinion
Tell us where the property is, what you would like to insure and which policies you have today.
Ask for a quote — it takes under a minute
Leave just the essentials and we will reply in writing. As each proposal is specific and requires a detailed analysis of the risk, response times may vary. We ask for the rest by email.
What we will ask for your quote
After the first contact we ask for these details by email. If you have them to hand, you can send them now to insurance@adlerrochefort.com.
- Full name
- Full address of the property
- Portuguese tax number (NIF)
- Gross construction area
- Year of construction
- Main or second home
- Occupation
- Age
- Buildings sum insured
- Contents sum insured
- Valuables sum insured
By sending this form you agree to us using your details to prepare and discuss your quote, in line with our privacy policy. We never sell your data. Adler & Rochefort is a trading name of Ownizo, Unipessoal Lda., registered in Portugal with the ASF under no. 425591790/3 and in Spain with the DGSFP under the freedom to provide services (LPS).
Thank you
Your request has been received. Our team will get back to you. As each proposal is specific and requires a detailed analysis of the risk, response times may vary.
Frequently asked questions
Is this insurance compulsory?
For some regulated professions it is required by law or by the professional body. For most wellbeing activities it is not, but studios, gyms, hotels and retreat organisers often ask for proof of cover.
I teach at retreats in hotels. Am I covered?
Yes, if the activity and the places where you work are declared. Hotels and organisers often ask for a certificate naming the event, which we can arrange.
What do you need for a quote?
Full name, full address, tax number (NIF in Portugal, NIE or NIF in Spain), the exact activity and annual turnover. As each proposal is specific and requires a detailed analysis of the risk, response times may vary.
Also for international residents
Holiday homes — Portugal · Holiday homes — Spain · Health insurance — Portugal & Spain
General information. Cover, conditions, limits and exclusions depend on the insurer, the policy wording and the acceptance of the risk.