Insurance for registrants of the Irish Council for Psychotherapy
As a registrant of the Irish Council for Psychotherapy (ICP), you are part of a community dedicated to quality in psychotherapy. At Balens, we’ve been a trusted partner in insurance for health, wellbeing, fitness and beauty professionals since the mid-1990s. As an ICP registrant , you have access to a special rate on a €6.5m Professional, Public and Product Liability policy.
Why arrange your insurance with us?
This professional, public and products liability policy protects individual psychotherapists in the Republic of Ireland. Any claims are subject to the terms and conditions being met.
Liability insurance is included in your cover and the policy can protect you against a range of risks including loss and damage to equipment plus claims of injuries caused by treatment and damage to other people’s property in the course of your business. Cover also includes loss or theft of client records subject to a cyber-attack. For details of this cover and all the terms and conditions please speak to one of the team.
Along with your liability insurance, we provide legal protection cover as standard plus the option to add personal accident protection. Further details can be found below.
Our insurance offers...
Personal accident cover option
Available on request – read more below
Teaching, training & workshops
When undertaking an insured activity, you’re covered by your standard policy, as long as you aren’t issuing a certificate of competency.
Legal protection as standard
Covering you for up to €150,000 per claim for your 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 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
You can 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 insurance include?
Past and future claims
Future claims after the 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 them. Even if the 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 your Balens policy. The retroactive extension will apply as long as 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.