Specialized Coverage for Acupressure and Acupuncture Providers
Capitol Special Risks is a wholesale broker with access to multiple admitted and non-admitted carriers across select markets. Whether your client runs a solo acupuncture practice, operates within a group wellness center, or offers mobile home-visit services, we can help place appropriate limits and terms to match their operations and risk profile.
Ideal Accounts and Target Clients
This Acupressure/Acupuncture Insurance program is a good fit for a range of holistic health providers, including:
- Licensed acupuncturists and acupressurists
- Practitioners working in wellness centers or multi-practitioner clinics
- Mobile practitioners and clinicians who provide home visits
- Practices that combine acupuncture with other complementary therapies such as herbal consultations
You might place a new solo acupuncturist needing basic professional liability limits, or a small clinic adding practitioners that require employee coverage — this program is structured to be flexible for both scenarios.
Coverage Highlights
Professional Liability
- Defense costs handled within policy limits
- Deductible options from $0 up to $10,000 to fit different budgets
- Coverage extends to services performed by employees
- Entry-level policies start around $270 annually (subject to underwriting)
- Automatic renewals and retroactive coverage options available where eligible
- Available limits up to $2,000,000 aggregate
General Liability
- Limits up to $2,000,000 per occurrence
- Defense costs outside the policy limit (where offered)
- No deductible on GL in most programs
- Covers employees and temporary staff
- ISO-based forms for clarity and broad market acceptance
Underwriting Notes and Minimum Premiums
Underwriting focuses on licensure, prior claims history, services offered, and whether the practice operates on-site, mobile, or within a shared clinic. Minimum premiums and final pricing vary by state, carrier appetite, and selected limits — entry options typically start around $270 annually. Retroactive dates and prior claims can affect eligibility and terms.
Territorial Availability
This program is available in nearly all states, including CA, TX, FL, NY, IL, and more. Capitol Special Risks can access admitted markets where available and surplus lines/specialty markets in other states to place hard-to-place risks.
Why Work With Capitol Special Risks?
As a wholesale broker focused on niche and hard-to-place risks, Capitol Special Risks offers independent agents streamlined access to multiple carriers, fast turnaround, and straightforward placement without broker fees. Our underwriters understand the common exposures for acupressure and acupuncture practices and can tailor packages for solo practitioners, group clinics, and mobile providers.
Let us help you place acupressure or acupuncture coverage for your clients. We have a fast turnaround and never charge broker fees!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed acupuncturists, acupressurists, wellness clinics, and holistic health providers offering related services.
Is coverage available nationwide?
Yes. Coverage is available in most states; Capitol Special Risks places risks in admitted markets where possible and uses surplus lines options where needed.
Are employees and part-time staff covered under the policy?
Yes. Both employees and temporary staff are generally covered under the General and Professional Liability policies, subject to the policy terms.
Does this program offer retroactive coverage?
Yes. Retroactive coverage is available for eligible risks, subject to underwriting review and the selected retroactive date.
Is there a minimum premium requirement?
Minimums vary by state and coverage selection, but policies commonly start around $270 per year depending on risk factors and limits.
Need help placing an account? Connect with a market specialist.