This provides cover for your legal liability for breaches of professional duty. This could be due to a negligent act, or an error or omission committed or alleged to have been committed. The level of cover provided by policy is the maximum amount payable in the event of a claim. The policy provides cover for unlimited claims in each policy year, and legal defence costs are covered in addition to the level of cover.

Cover levels available: €4m, €6m, or €6.5m
The selected rate must be applied to all levels of liability cover (product, public, professional). If a higher limit of indemnity is required, please contact us to discuss.

Your employed tutors are covered to practise the therapy or activity they teach, providing they do so under your organisation’s name and as long as they’re qualified to do so. This doesn’t include them seeing clients privately, in which case they might want to take out their own professional liability insurance. You can also choose to extend your policy  to include self-employed tutors.

You can extend your professional liability insurance to include self-employed tutors when they’re practising the therapy which they teach. If you’d like this optional policy extension, please just let us know.

Self-employed teachers can be added as long as they’re qualified to deliver that therapy or activity, and they’re delivering it under your organisation’s name. It won’t cover their private work – for that, they might want to take out their own individual cover.

Some notable conditions and exclusions can be found in the tab below. Full details for these and others are in the policy documents which are available on request.

You’ll be covered for causing accidental injury to any third party, and/or negligently damaging their property.  You choose the limit of cover you want, which is the maximum for each claim you make. You can make unlimited claims in each policy year.

Cover levels available: €4m, €6m, or €6.5m
The selected rate must be applied to all levels of liability cover (product, public, professional). If a higher limit of indemnity is required, please contact us to discuss.

Some notable conditions and exclusions can be found in the tab below. Full details for these and others are in the policy documents which are available upon request.

This covers you if you sell or distribute products in connection with the therapies and activities you provide to clients and which are insured under this policy. Should any of those products be defective, you’d be covered for accidental injury and/or damage to clients’ property.

You choose the limit of cover you want, and you can make unlimited claims in each policy year as long as their combined total doesn’t exceed your chosen liability limit. If you’re selling to non-clients, there’s a turnover restriction of €35,000 per year (but we can arrange a different policy if you’ll exceed that limit).

Cover levels available: €4m, €6m, or €6.5m.
The selected rate must be applied to all levels of liability cover (Product, Public, Professional) If a higher limit of indemnity is required, please contact us to discuss.

Some notable conditions and exclusions can be found in the tab below. Full details for these and others are in the policy documents which are available upon request.

Conditions – You are required to:

• keep full records of all consultations and treatments provided
• notify Balens of any incidents that might lead to a claim
• sterilise all instruments used for touching or piercing the skin, dealing with fluid spillage, and the disposal of clinical waste
• be suitably qualified for the treatments, advice and therapies that you provide, including ideally holding a professional teaching qualification when working as a tutor – please provide evidence when arranging cover or making a claim
• (for applicable activities) conduct patch tests, use impermeable membranes where spillages may cause staining for the client, and provide aftercare treatment advice and training/qualification requirements for certain treatments .

Exclusions – The policy does not cover you for:

• students’ work when they aren’t qualified in the procedure – unless they’re (i) under the direct supervision of a qualified person, or (ii) we have specifically agreed to their being covered, or (iii) if it relates to their case study work, or (iv) for other work prior to becoming qualified
• if deemed ready or competent to do so by their school or tutor, provided always that:
  i) students don’t practice beyond the scope of what they’ve been taught, and regular supervision is in place (and/or ongoing case consultation and review for such case studies)
  ii) students are to declare to any recipient in advance that they are not qualified
  iii) where students may charge a fee if appropriate, provided this is allowed by the tutor or school in question and that it is a modest amount and evidently lower than an experienced and qualified professional would normally charge
• employer’s liability insurance
• treatment/advice provided to anyone under the age of 16 (unless parental consent is obtained) and certain treatments which can never be covered for anyone under 18. Full details will be in your quotation and policy document, available on request.
• criminal acts
• any fines, penalties or damages (whether pre-determined or punitive) arising from a contract, agreement or legal requirement.

• your legal defence against criminal allegations
• pre-disciplinary and disciplinary hearings
• having to do jury service, and court attendance
• costs or losses relating to tax enquiries, an employer compliance dispute, and/or a VAT dispute.

It also offers unlimited access to legal and tax helplines and a telephone counselling service.