Practitioner Insurance

Tree-of-life3Members can take advantage of the COH block scheme when they apply direct to Balens.

This specialist insurance, designed by a Healer gives one of the widest wordings available within the UK, including the following benefits, at a preferential rate and includes Meditation and Visualisation work with clients, feedback skills, giving out of information and also teaching work.

Medical Malpractice – specifically related to treatments, this covers loss or damage as a result of the treatments or advice given.

Professional Indemnity – to cover the therapists against allegations of loss arising from their conduct or advice when not related to a treatment.

Public Liability – to cover injury or loss to persons or property.

Product Liability – to cover any defect in goods sold or supplied which may cause injury or damage.

Loss of Reputation

Breach of Intellectual Property

Client Confidentiality Protection

Loss of Documents cover

First Aid cover as well as Good Samaritan Acts

An Indemnity Limit of 3M for the maximum per claim, with, unlike other policies on the market, an unlimited number of claims allowed in the year. Legal costs are also in addition to this.

Retro-active cover is also included at no extra charge, to pick up any previous work you may have performed whilst insured elsewhere, confirming there has been no lapse in cover.

Cover to work anywhere in the UK and cover for temporary trips abroad (USA / Canada by referral) with no time restriction at no additional premium for UK residents.

If you cease to practice, Balens include unlimited run off cover free of charge on our Professional Indemnity Policies, which means the policy will always be in place (for the time period insured) if a claim is made after you stop the policy running.

On all our individual policies, we include our DAS Legal Expenses package covering Inland Revenue (HRMC) Investigation cover, free legal advice helpline and Criminal allegations made against you including sexual impropriety.There is no run off cover for DAS packages.

Many other features are also included.

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