| Main Features |
- £2,000,000 standard Indemnity, £5,000,000 for an additional 25% premium
- Professional Indemnity (financial loss cover, where no injury has occurred)
- Malpractice
- Public Liability
- Covers all types of first aiders & first aid trainers in the field anywhere in UK . (see options)
- Additional Health & Safety training cover available.
- Legal expenses package on Cover B,C and D.
- Wide range of free 24 hour Advicelines, including:
- Legal Advice on any matter
- UK Law Tax advice.
- Counselling Helpline.
- Business Assistance Helpline for emergencies involving your premises.
- Negotiation and representation (even including accountants fees) up to £100,000 in event of Inland Revenue full enquiry. PAYE and Social Security Regulations Cover are also included. (Insurers find that their average small claim for a tax investigation is £7,000).
- Defence of your legal rights following Criminal Proceedings £100,000 . This will include legal costs to defend any allegations of sexual impropriety / assault arising from your therapy practice immediately (not only after acquittal), as well as Data Protection and other legislation cover, wrongful arrest, actions against you for unlawful discrimination etc.
- Jury or Witness Service Compensation up to £100,000 per claim.
- Covers Breach of Confidentiality & Libel/Slander, Voluntary Work & Good Samaritan Acts and activities where a payment or expenses are paid (see options)
- Retroactive Cover for previous work performed for up to 5 years – available form a modest additional £15 premium - you will need this if joining from other schemes where cover is on a “claims made” basis.
- Temporary work abroad is covered at no additional charge , provided you live in the UK and underwriters approve (maximum of 30 days within each insurance year excluding USA and Canada).
- You are covered for when an incident is alleged to have taken place, not when it may be discovered sometime in the future. It is important to purchase the highest cover available to ensure that if a claim surfaces many years hence, you have a substantial amount of cover to deal with a claim at a time when court awards and costs may be higher.
- Products Liability (defective products innocently supplied to patients or non-patients up to an annual turnover of £5,000) included at no additional cost.
- Claims occurring wording with Zurich – a large and financially secure Insurer with a good reputation.
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| Cover A |
| Coverage |
| Workplace and non workplace cover for First aider duties for voluntary, non-paid for activities |
| Notes |
| Includes Good Samaritan and Non Good Samaritan cover. Must not receive a wage, salary or expenses for the first aid duty. The person must not be solely employed to carry out full time first aid duties. e.g. job specification is not actually ‘first aider'. |
| Cover B |
| Coverage |
| First aider duties paid for and non-paid for activities include Event Cover |
| Notes |
| Includes as defined in ‘Voluntary First Aider' policy (Cover A above) but extended to cover paid for and ‘Event' cover activities. Also Includes Legal Expenses Package. |
| Cover C |
| Coverage |
| Limited to first aid courses or additional first aid training courses. |
| Notes |
| Also includes Voluntary First Aider cover (Cover A above) Includes Legal Expenses Package . |
Cover D |
| Coverage |
| Limited to first aid courses or additional first aid training courses plus first aider covering paid for activities. |
| Notes |
| Includes as defined in ‘Paid First Aider' policy (Cover B above) Includes Legal expenses package. |
| New: Add-on cover for first aid trainers. Covers the training of Health & Safety subjects. (For Cover C and Cover D above) |
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