Do I need loss of income insurance? Is this covered?
We do offer loss of income and business interruption insurance as well as various other business insurances but not as part of this package. If you require any of these covers we can provide them via our business department, one of our advisers will be able to help you with this.
How do I know what level of liability cover I need?
As every profession is open to different risks and claims for unforeseeable events, it's not possible for us to safely recommend any level of cover. However, we can offer full flexibility on your policy, meaning that if you need to raise or lower the level of cover at any time we can accommodate this easily.
Do I still need insurance after I stop practising?
You may want to consider run-off cover, to protect you against any subsequent claims made against you for work done whilst you were practising. Our advisers will be able to set this up for you at the end of your policy.
I'm training as a chiropodist - do I need insurance?
Depending on what you are studying and if you are practicing you may want to protect yourself against claims. As everyone's situation is different and claims are unforeseeable we can't advise either way, but would suggest that even though liability and indemnity insurances are not legal requirements, you should not leave yourself open to a civil liability claim against you.
Is my stock and equipment covered?
This policy is designed to cover the practitioner, not a business or property. If you require these extra covers we can provide a business or home insurance policy, which will offer the relevant cover for your stock, cash, premises etc.
Am I covered to work from home?
Our policies cover you to work anywhere in the world, including from your home. However, you may be required to update your home insurance policy to account for any business activity. We can provide specialist home insurance or advise you of your options.
Do you cover foot health practitioners?
Yes, we can provide insurance for foot health practitioners for both sole traders and limited companies.