As a Health and Fitness professional ensuring you have good quality insurance is essential in promoting a professional image as well as protecting yourself and your business. Where you work independently, it may also be a requirement for the premises in which you work.
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.
Our Chairman, himself a former Yoga and Personal Development Teacher, has ensured that our cover fits your requirements and includes teaching, mentoring and advice. We can include over 3,500 different activities, therapies and techniques within the one policy, subject to qualifications and are regularly reviewing and including new modalities and techniques. We offer expert support when problems arise or changes occur, ensuring you can speak to a member of our team to save you time and minimise any stress that may arise in a claim situation.
Benefits of the Balens Fitness Professionals Liability Insurance Policy:
The Balens Professional Liability and Malpractice insurance policy has been designed for Health and Fitness professionals / practitioners that provide advice, treatment, activities and / or therapies to members of the public. The policy has the following areas of cover:
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.
Here are just some of the standard Therapies/Activities we are able to cover:
- Abs / Core Classes
- Active Isolated Stretching & Strengthening
- Acupressure
- Advanced Emergency Care in Sport
- Back Pain Management
- Body Combat & various Martial Arts (all non contact)
- Body Conditioning Exercise
- Chi Ball & Exercise
- Chi Kung - Excluding contact Martial Arts
- Diet & Nutrition inc. Sports Nutrition
- Exercise and Fitness (all types)
- Exercise for the Older or Disabled Person
- Exercise Rehabilitation inc. Cardiac and Sports Injury
- Fitbox Training
- Fitness Instructor / Personal Trainer to advanced level including Classes
- FlabeLos Machine
- Joint Mobilisation
- Manual Lymphatic Drainage
- Massage including Sports and Deep Tissue
- Orthotics
- Physical Therapy
- Pilates - all types including Machines
- Pre & Postnatal Exercise
- Sports First Aid
- Strapping & Taping
- Strength & Conditioning Specialist
- Studio Cycling & Spin Classes
- TENS
- Weight Lifting
- Weight Loss Coaching, Management and Consultancy
- And many more
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