Balens have been providing insurance cover for Chiropractors since the early 1990s. We insured Chiropractors before the advent of Statutory Regulation, and whilst we have seen many changes over the years in the requirements for insurance, we have kept involved, regularly liaising with the regulator, ensuring our insurance policy offers exceptional cover to protect the livelihoods of Chiropractors.
As an individual practitioner or business owner, you can be held legally liable for loss or damage to other people’s property, plus injury, harm or financial loss alleged to have been caused to your clients, patients or other parties. Balens Professional Liability and Malpractice Insurance Policy has been specifically designed to protect you in these circumstances and includes many important additional features that other policies may not cover, reducing the risk that you won’t be covered, should the unfortunate occur.
Insurance is there to protect you in the event of a complaint or claim situation. At Balens we cover Statutory loss of licence appeals and disciplinary hearings defence, before and during a complaint process. Our claims team are experienced with dealing with regulators and will assist during the full process, should the unfortunate occur. Please see Disciplinary and Grievance Hearings for more details.
Benefits of the Balens Chiropractors Liability Insurance Policy:
And DAS Legal and Taxation Policy that includes:
All policies are subject to Terms and Conditions.
Optional Extensions to cover:
Please contact us to get a personalised quote for your practice:
Affinity Schemes
If you are a member of any Association or Training School who hold a customised insurance scheme with Balens, you will be eligible for discounted rates. If you are not, you will be able to join our Individual Bridge Block scheme for Health and Well-Being Professionals.
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.
- Business Protection – for when your contents or stock exceed the limits of our All Risks Policy. Also includes Employers Liability Insurance, which is a legal requirement when employing staff / volunteers.
- 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?
- Health Products Insurance Package – Balens have devised a package policy for Health, Wellbeing, Fitness and Beauty Professionals that may be involved in the manufacture, sale and / or distribution of related products.
- 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.
- Training Schools – 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? - Personal Accident and Sickness Policies or Income Protection – 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.
- 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.
As well as full cover for your Chiropractic work, our policy will automatically cover you for many other therapies, provided you have the suitable qualifications, including:
- Aromatherapy
- Baby Massage
- Bowen
- Clinical Hypnotherapy
- Cognitive Therapy
- Counselling
- Cranio Sacral Therapy
- Healing
- Herbal Medicine
- Homoeopathy
- Hot Stones
- Hypnotherapy
- Indian Head Massage
- Life Coaching
- Massage (including Deep Tissue)
- Meditation & Mind Instruction
- Osteopathy
- Naturopathy
- Pilates (including Gyrotonics)
- Psychology
- Psychotherapy (including Jungian Analysts)
- Reflexology
- Reiki
- Shiatsu
- Sports Massage
- Tai Chi (Non Combat)
- Yoga
Contact Us
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.
Meet the Team Contact Us