Insurance Information

Insurance is provided through Holistic Insurance Services ( Authorised and Regulated by the FSA ). Click here to view the Terms of Business.

Insurance for Individual Members

Comprehensive insurance package for individual members:

  • £5,000,000 limit of cover for:
    • Malpractice/professional indemnity for your therapies and teaching
    • Public and products liability cover
    • Legal defence costs included
  • Legal advice lines
  • Personal accident cover not included ( enquire for details )
  • Business equipment cover (optional extra) see details below

Summary of Insurance Cover

  • £5,000,000 indemnity for malpractice, public liability and products liability (legal defence costs included).
  • Includes professional liability (financial loss cover)
  • Includes libel and slander, breach of confidentiality and Good Samaritans Act
  • Includes tuition provided as an individual tutor excluding management of a training school/college
  • Includes temporary visits abroad worldwide excluding USA/Canada, provided you maintain a UK address
  • Includes loss of documents £5,000 cover for costs and expenses to replace/restore documents, the responsibility of the member
  • Multi-therapy cover, the majority without charge subject to approved qualification
  • Jury service/witness attendance compensation
  • Retrospective cover for previously insured periods
  • Unlimited run-off cover following non renewal for permanent cessation of practice and 1 year run-off for temporary cessation of practice
  • Public liability extends to include attending trade fairs, exhibitions, craft fairs etc
  • No claims excess under malpractice, public or products liability

24 hour legal helpline

  • Business legal matters – initial advice
  • Domestic legal matters – initial advice

Business Equipment Insurance

Professional equipment is not usually covered by most household policies. The scheme below is designed for individuals working alone to cover their equipment while at home or mobile.

Insurance cover is available to members who have their malpractice/liability Insurance through Embody. The cover is for equipment owned by you or leased to you. Equipment includes any equipment you use for your therapy business:

  • Couch
  • Cases
  • Towels
  • Electrical therapy equipment
  • Oils
  • Computer equipment

It covers you whilst at home, clinic based or mobile within the United Kingdom. If you work from home then you should advise your home insurers and notify them that your liability insurance covers you for business clients visiting your premises.

Security

If equipment is left in an unattended vehicle the vehicle must be locked at all times. If equipment is kept in a vehicle overnight it must be in a boot or other lockable compartment. Electronic equipment must be kept in a locked boot or compartment at all times whilst the vehicle is unattended.

Premises where equipment is kept must have a minimum level of security, namely key operated window locks on all accessible windows and at least a five lever mortice deadlock on the final exit door. If you share premises then you must be able to lock your equipment in a room or cupboard when not in use.

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PREMIUMS

Band A

Sum Insured £1,000.00
Replaces damaged or stolen equipment to this value.

Policy excess £50.00 each and every claim (you pay the first £50.00 on each claim).

Premium
For current premium see membership and insurance application form.

Band B

Sum Insured £2,500.00
Replaces damaged or stolen equipment to this value.

Policy excess £100.00 each and every claim (you pay the first £100.00 on each claim).

Premium

For current premium see membership and insurance application form.

Policy Document

Click here to download the Insurance Policy Document (PDF,203kb).

Student Insurance

Click here to download the the Insurance Policy Document (PDF,203kb).

If you join as a student member on a course leading to a accepted treatment, you can have insurance for your Case Study work (practice treatments) that you do as part of your training.

You can do these in your college or outside.

Cover is for £1,000,000 indemnity for malpractice, public liability and products liability (legal defence costs included).