As a Health, Fitness, Well-Being and / or Beauty Professional, in addition to your Professional Liability Insurance, you may also require cover for the loss or damage to the buildings, contents and equipment that you own and / or are responsible for.
Balens have devised and arranged a selection of bespoke contents packages, that are specially aimed to meet the needs of small to medium sized Health, Well-Being, Fitness or Beauty businesses, with other options for larger entities. These protection policies can be stand alone or integrated with your Professional Liability insurance requirements either for yourself as an individual or for your corporate business. Cover can be amended at any time to cope with your changing business requirements.
These policies provide a safety net for all types of businesses, and is something to be considered as part of your business plan from the first day of trading. Whether you own or rent a premise, we have options available for you, and are able to cater for all insurance exposures regardless of size.
Benefits of the Balens Business Protection Policy
Dependent upon the business needs, we offer two Contents packages which include Employers Liability Insurance – Business Protection Standard, and Business Protection Standard Plus. Where business requirements fall outside of the limits of these packages, we have access to various markets in order to offer a more bespoke insurance solution.
Business Protection Standard
This packaged policy is principally designed for small businesses who wish to insure a minimal level of contents and may also require Employers Liability Insurance. Levels of cover cannot be increased or amended. This benefit is available in the Business Protection Standard Plus option.
The core sections of cover provided as standard within both policies are:
Business Protection Standard Plus:
If the Business Protection Standard is not suitable, the Standard Plus policy can be tailored to meet the insurance requirements of your business.
This package includes the cover as noted above with the option to amend the levels of sums insured and limits of Liability to suit your specific requirements. You may also extend the policy cover to include the following optional extensions:
Optional Extensions
Optional Additional Cover – available with both policies
In all areas, cover applies as per the standard Terms and Conditions of the policy, please contact us for details.
Please contact us to get a personalised quote for your practice:
Other policies services which may be useful:
Balens have a range of additional policies that you may wish to consider as part of your insurance portfolio.
- Charities and Not-for-Profit Organisations - Are you a community Band or similar? Do you have volunteers or Trustees? Balens have a range of options to meet the insurance requirements for this business sector.
- Clinic / Salon Policy – As your business grows you may need to cover the business and business name for the work, treatments and / or advice of more than one person. Balens offer two options of cover designed to cater for this need, Contingent Cover and a Full Clinic Policy. The ‘Clinic’ policy can cover work performed by other qualified professionals, whether employed or self-employed that work under your corporate name. Please also see our Article – Do you run a Multi Profession Clinic?
- Cyber / Crime Insurance – Your business may be at risk if you use any form of internet-based technology within your business or for the storage of data. Cyber / Crime insurance is designed to protect businesses and individual users from these risks, including such elements as theft of funds, loss of data, online fraud, transmission of a virus.
- Directors and Officers Insurance – Offers financial protection for Directors, Officers or Partners of a company who require cover for personal liability, for errors or omissions they may make in the performance of their professional duties.
- Marine cargo and Transit cover – As a business involved with the manufacture, sale and / or distribution of Products or goods you may wish to insure the items whilst being shipped or transported worldwide or around the UK. Please contact us for further information.
- Personal Accident and / or Sickness policies – This cover may be of particular importance for those that are self-employed and have no alternative income. Balens have devised and arranged a policy designed to pay out either a lump sum or a weekly benefit (if selected) in the event of an accident, bodily injury to you and /or illness depending upon the type of policy chosen. Please also see our Article – Personal Accident and Sickness Cover.
- Products Recall – If a product is defective and needs to be recalled you may need to cover costs to notify the customer, arrange transportation costs or even disposal costs. Please contact us for further information.
- Training School Insurance – If you hold a Professional teaching qualification and are a qualified Health, Wellbeing, Fitness or Beauty Practitioner who wants to train and certify others, Balens offer a Teaching School Insurance for an unlimited number of students.
If you are looking to offer training which issues certificates of attendance only, this is automatically included in our Balens Professional Indemnity policy with no limits and for no additional premium. If you are issuing certificates of competence, a Training School extension can be added to your Professional Liability policy for an additional premium (limits apply). Please also see our Article – Do You Treat & Teach or Do You Need A Training School Policy? - Household Insurance – Please contact us to find out more about how we can assist you with protecting your buildings, contents and / or personal possessions. Also see our Article – Home Insurance for more information.
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