£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
Legal expenses package.
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
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.
