Associations and training providers
If you’re an association, training provider or similar, needing an insurance solution for your members or students, Balens has been working with organisations and associations offering our bespoke insurance policy to their members and students since the 90s.
As specialist insurance brokers to the wellbeing, health & beauty sector, we have vastly experienced, long-serving staff to support you and your members through our partnership. We are committed to offering you a first-class service by providing the following:
Bespoke rates tailored for members of the association
Contact us to find out more about any special rates available for members.
Bespoke policy wording
Specifically designed by insurance experts who have a great deal of knowledge and understanding of the health and well-being field, ensuring the policy will protect the livelihoods of your members should it ever need to be called upon to do so. Full details of the policy are noted below.
Hassle-free admin for you
Just point your members/students in our direction and we will do the rest, including the verification of their membership of your association.
Branded renewals policies
With your business name or logo on the proposal form.
What’s included with this cover?
Teaching, training & workshops
When undertaking an insured activity, the policyholder is covered by the standard policy, so long as they’re not issuing a certificate of competency.
Legal protection as standard
Cover for up to €150,000 per claim for legal defence and other costs. Read more below .
Cover for past work
as long insurance was in place at the time, from any provider. Read more below .
Cover after the 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
Our clients can extend their 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 insurance include?
Past and future claims
Future claims after the policy ends
Your member’s 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 them – even if their 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 the policyholder, after the 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 a policy.
Unlimited Retroactive cover
The policy includes unlimited Retroactive cover which means cover will respond to work performed prior to the inception date of the Balens policy. The retroactive extension will apply providing members 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 the previous policy 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.
Arrange insurance for your members
Get in touch with us today to discuss working with Balens.
Contact us