Balens was asked in the early 1990s by the then British Association of Occupational Therapists (BAOT), now Royal College of Occupational Therapists (RCOT), to arrange a facility for private practice Occupational Therapists (OTs), and we have had a scheme for OTs ever since. We have policies to suit individual OTs and case managers to multi-disciplinary corporate businesses with employees and / or sub-contracted professionals.
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.
We can cover the risks of sub-contracting to other firms as well as Corporate Health Provider Firms, and expertly handle from simple businesses to very complex ones, including businesses that have a variety of functions - OT, Case Management, Training, disability aids use, advising and retailing, supply and installation of wet rooms, stair lifts and other adaptations. We understand and insure the many and varied activities of OTs and Case Managers, and are delighted that one of our team is a qualified OT, giving us a unique insight into this important field of work.
Benefits of the Balens Occupational Therapists & Case Managers 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:
Please click here for Balens briefing document and statement regarding the position of Dual Insurance for Balens OT, Case Managers and relate Health Professional clients.
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.
We have a comprehensive and well-thought out range of included activities and do not categorise or exclude any part of OT/Case Management activity whether individual or corporate. Activities include:
- Access Auditors
- Adaptations and Advice
- Agency and Consultancy Work
- Best Interest Assessor
- Carers (individually or for an agency)
- Case Management
- Consultancy
- Disability Aid Providers
- Disability Products and Product Adaptations
- Employment Agencies
- Expert Witness Work
- Medico-Legal work
- Mobility Product Sales
- Occupational Health
- Occupational Therapy
- Other types of Health Professional working with OTs
- Rehabilitation Providers or Consultants
- Routine Assessment Work
- Sub-Contractors and Contracting
- Therapeutic Work
- For Corporates – i.e. Limited Companies, (except Sole Trader) Partnerships and those who employ or sub-contract, our scheme covers work carried out by employees and / or sub-contractors. Please contact us to discuss your requirements.
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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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