I ended my yoga class with 15 minutes of Reiki. A client claimed the energy work “released trauma” she wasn’t ready for, causing a breakdown. She sued for emotional distress and claimed I was practicing “unlicensed therapy.”
Key Takeaways
- Modality List: Is “Reiki” listed on your policy? If it only says “Yoga,” you are uncovered.
- Scope of Practice: Reiki is generally unregulated, but touching clients for “healing” can blur into massage or therapy.
- Touch vs. No-Touch: Hovering hands is safer legally than touching.
- Informed Consent: Did they agree to the energy work?
The “Why”: The Professional Services Definition
The Trap:
Insurance covers specific “Designated Operations.”
If you perform an operation (Reiki) not listed, it’s not covered.
Most yoga policies (like beYogi) include Reiki, but you must verify.
The Investigation: I Quoted 3 Major Carriers
1. beYogi
- My Analysis: Includes Reiki as a covered modality at no extra cost.
2. ABMP (Bodywork)
- My Analysis: Covers it.
3. Energy Medicine Professional Association
- My Analysis: Specific insurance for energy workers. Good if you do more than just yoga (e.g., Crystals, Tapping).
[IMAGE: Screenshot of “Covered Modalities” list on a policy]
Comparison Table: Energy Work Coverage
| Carrier | Reiki Included? | Cost |
| beYogi | Yes | Included |
| ABMP | Yes | |
| Standard GL | Check Policy | Risk |
Step-by-Step Action Plan
- Check Policy: Look for “Energy Work” or “Reiki.”
- Consent: “I will be doing energy work. Raise hand if you decline.”
- No Medical Claims: “Reiki helps relaxation,” not “Reiki cures cancer.”
- Certificates: Keep your Reiki Level 1/2 certs on file.
FAQ
Is Reiki religious?
Legally, no. It’s a wellness modality.
Can I do it online (Distance Reiki)?
Yes, usually covered if “Virtual” is endorsed.
What if they cry?
Emotional release is common. Document it.