insurance guide
Professional Indemnity Insurance Explained
Learn how to protect yourself and your small business with our comprehensive guide to professional indemnity insurance, also known as professional liability insurance.
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Cover for practising professional massage therapists.
Talk to our specialist team for advice and get your policy set up today:
Weekdays 8.30am - 5.30pm
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If you were to act negligently during the course of your work and accidentally injure or damage the property of a third party, public liability insurance for massage therapists would act as a financial safety net and provide compensation to the injured party. You can choose the amount of cover that suits your business from £1 million, £2 million or £5 million. Any deliberate acts will not be covered.
Professional indemnity insurance for massage therapists protects against allegations of professional negligence, malpractice and breaches of professional codes of practice. The policy will therefore cover legal costs and expenses associated with your defence as well as damages or costs that may be awarded to your client. Any deliberate act of negligence will not be covered.
There’s a legal helpline available 24 hours a day for individual policy holders. Should you be concerned about legal aspects relating to yourself or your business, you can talk things through with a professional to understand your legal stance in the situation. For non-legal matters, there is also a health and well being helpline; just check your policy documents for the contact number.
We understand you may be recommending products or using or selling your own products as part of your therapy. Please be advised we are unable to cover products you make yourself from scratch. The base product must been through a manufacturing process already so testing has already been carried out.
£75 price terms and conditions
* £75 a year price based on a massage therapist insurance policy taking on an indemnity with a limit of £1 million. Price available for new customers only. Price correct as of April 2018.
£1 million limit indemnity level policy is held by 52% of current customers (information correct as of April 2018).
Our claims team are on hand to help you if something goes wrong and you need advice. It’s important you contact us in the first instance and we will contact the insurer on your behalf and arrange solicitors where necessary
If a situation arises that might lead to a claim you should contact immediately on the number listed below. We’ll need any correspondence relating to the claim or potential claim and we advise you not to speak with the claimant or their representatives to avoid prejudicing the outcome.
We are happy to discuss circumstances with you even if they do not lead to a claim so please do call us if you are concerned about a situation. This will not prejudice your claim but we will be able to advise you on the best course of action.
Give us a call and we’ll help settle your claim
24 hours: in-house weekdays 9am – 5pm, plus out-of-hours service.
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Yes, we cover a wide range of different therapies; just speak to a member of our team for details.
Yes, we can cover you whilst you’re in training just as we would if you’re qualified.
Yes, but it’s a feature that we can add on for you so you must let us know if it’s something you require.
No, we do not need to know how many clients you will be seeing throughout the policy year.
Yes, this is automatically covered in the policy. Just be aware you should notify your home insurer if you conduct part of your business from home and that damage caused will come under your home insurance policy rather than this one. If you are having trouble finding insurance for your home because of your work take a look at our Home Business Insurance policy.
We won’t need to copy of your qualifications to insure you. We operate on the principle of utmost good faith so we trust that you have the experience and qualifications required to operate. If however you try to make a claim and it turns out you do not have the relevant qualifications we will not be able to pay your claim.
Yes, we do not specify how much experience you have in the area or where you studied.
No, we do not specify an age limit.
Yes, we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in - for example, a house. As it is a UK policy, if a claim were made for the work you had done in another country, we would then need to bring the claim back to the UK to go through UK courts. If you had a house in the country for example, they would then try to take monies from your assets to protect the claim.
Yes we can cover work with both animals and humans, please call to discuss.
Yes, this is fine and included as standard on the policy.