Why arrange your liability insurance with us?
We arrange professional, public and products liability insurance for businesses which provide health & beauty treatments, wellness therapies and fitness activities – such as clinics, gyms, salons and studios. This is often known as ‘clinic insurance’.
Perhaps you have your own employees, or you bring in subcontractors or associates to work on your behalf. Or perhaps you’re working with other practitioners under the same umbrella name. Either way, this policy can help to protect the business (rather than specific practitioners) if claims are made by clients or members of the public.
If individual practitioners already have their own professional liability insurance, then the level of cover the business needs may be reduced – so it would only need a ‘contingent’ clinic policy. However, if your business advertises therapies/activities, or takes money or bookings on behalf of the firm for individual practitioners, that may give rise to an additional liability. If that is the case, contact us to determine if a full clinic policy might be more suitable.
This policy offers the option to add commercial legal protection cover. However, please note that it does not include employer’s liability insurance.
Your insurance offers…
Optional legal protection
Covering you for up to €150,000 per claim for your legal defence and other costs. Read more below
Cover for your past work
as long as you had insurance at the time, from any provider. Read more below
Cover after your policy ends
for claims at any point in future, even after the policyholder ceases trading, provided this policy was in place at the time of the incident/claim event
Cover for a wide range of therapies
so you can ask to extend your areas of practice at any time. An additional premium may apply
Online work
Cover for online/virtual consultations and internet-based videos
Terms & conditions, limitations and exclusions apply.
Full details are available in the policy wording, which is available upon request.
What does this liability insurance include?
Past and future claims
Future claims after your policy ends
Your policy will cover claims arising from incidents that happened/occurred during the period the policy was in place, regardless of when the claim is made against you – even if your policy has expired.
This differs from other policies on the market that are on a ‘claims made’ basis where the policy must be in force at the time the claim is made/reported, not when the incident occurred. Therefore, if a claim is made against you, after your policy has expired, a ‘claims made’ policy may not provide coverage to defend the claim, always check with your previous policy provider.
With a ‘claims occurring’ policy, cover will respond providing the policy was in place at the time of the incident, and therefore, there is no need to purchase ‘run off’ cover after the expiry of your policy.
Unlimited retroactive cover
The policy includes unlimited retroactive cover, which means cover will respond to work performed prior to the inception date of your Balens policy. The retroactive extension will apply providing you had an insurance policy in place at the time of the incident, and that policy will not respond (for example, a ‘claims made’ policy as described above).
There is a requirement that any claims made under the retroactive extension must be notified to you during the period of insurance with Balens, and that the previous policy which was in force at the time of the incident will not respond. Full details of any previous policy must be provided in the event of a claim.
Terms & conditions, limitations and exclusions apply. Please see the policy document which is available on request.
Buy insurance for clinics, gyms, salons & studios
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