As your business grows, you may find you take on employees, sub-contractors or associates to do work on your behalf or that of your business, alternatively you may choose to work collectively with others under the same business name. In either case, it is possible that clients may make a claim against the corporate name or business entity itself, rather than a specific therapist or individual.
Balens have devised a bespoke Corporate Insurance Policy for our clients that provides cover for the Professional, Public and Products Liability associated with the treatment, therapies or practices that are provided by the business. This is commonly known as Clinic Insurance.
Where each therapist has their own individual Professional Liability Insurance, the level of cover required for the corporate name may be less, requiring a Contingent Clinic Policy only. However, where services are provided by the organisation – including for example advertising of therapies, taking money or bookings on behalf of therapists, then the organisation may be deemed to hold greater liability and a a full Clinic Policy may be a consideration.
PLEASE NOTE – our Clinic and Contingent Clinic policies do not include Employers Liability Insurance. Please see our Contents and Equipment Policy for this cover.
Benefits of the Balens Clinics Policy:
The Balens Professional Liability and Malpractice Insurance Policy has been designed for Health, Well-Being, Fitness and Beauty Professionals / Therapists and Practitioners that provide advice, treatment, activities and / or therapies to members of the public. The policy has the following areas of cover:
Optional Additional Cover
All policies are subject to Terms and Conditions.
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.
- Contents, Equipment & Employers Liability Insurance – Balens have devised a range of contents package options to cover contents stock and equipment which you own and / or are responsible for. Employers Liability is included as standard, plus you have the option to add additional sections of cover such as Business Interruption, Buildings Insurance, Products Liability and Terrorism. Please also see our Article – Risk Management for Salon Owners.
- 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.
- 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.
- Health Products Insurance Package – Balens have devised a package policy for Health, Well-Being, Fitness and Beauty Professionals that may be involved in the manufacture, sale and / or distribution of related products.
- 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.
- Training School Insurance – If you hold a Professional teaching qualification and are a qualified Health, Well-Being, 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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Our team is here to help you choose the right insurance for your needs, provide guidance on claim prevention and support you in the event of any claims.
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