Malpractice Insurance

Malpractice Insurance

Protect your holistic health & fitness business from malpractice cases with Salon Gold’s instant cover

COMPLETE PROTECTION AGAINST ALLEGATIONS OF MALPRACTICE

When you work in the holistic, health or fitness industry, you know that while things like slips and trips can cause problems for your business, there are actually more serious allegations that could cause a compensation claim. Your biggest concerns are things like injuries arising out of therapies or fitness regimes – and these simply aren’t covered under a conventional public liability insurance policy. Whether you work as a holistic therapist, counsellor or psychotherapist, or even fitness instructor or personal trainer, no matter how careful you are, sometimes accidents just happen, and when faced with a claim like this, all you really need to know is that you, and your business, are protected.

These kinds of accidents and mishaps are the sort of circumstances for which malpractice insurance has been specifically designed. Because public liability insurance doesn’t cover for any claims that arise from professional services, this can be a problem for those working in the holistic, health and fitness sectors, as many of the services you provide fall into this category. In order to bridge this gap in cover, malpractice insurance is included as standard in all of these insurance policies, and it covers claims made for bodily injury, mental and psychological damage from both physical procedures and from advice. It’s an absolutely essential cover for anyone working in these industries, providing total protection, no matter what situation you find yourself in.

What Do You Get With Malpractice Insurance?

Our standard cover includes:

  • A limit of indemnity of £3 million any one claim made whilst the policy is in force (£1 million for students)
  • PLUS the option to increase this up to £5 million any one claim whilst the policy is in force (excluding students)
  • PLUS cover for Good Samaritan Acts
  • PLUS full retroactive cover for previously insured periods (providing you select this option when taking out your policy)
  • PLUS Libel and Slander cover up to £250,000
  • PLUS Breach of Confidentiality extension up to £100,000

 

This cover is applied automatically when you take out your insurance with us.

Malpractice insurance covers claims made for bodily injury and mental and psychological damage from both physical procedures and advice. The cover is provided on a “claims made” basis, meaning that you will have cover for all claims made whilst your policy is in force.

As malpractice insurance only covers claims “made” while the cover is in force, it is important that you have continuous cover.  Any gaps in cover will mean that claims will not be met during this period.  All malpractice policies feature a “retroactive” date.  This is the date from which continuous malpractice insurance has been in force.  Typically this will be the start date of your very first malpractice policy.  This means that providing you have had continuous cover in place, insurers will pay for any claim “made” against you during the policy period, providing the incident occurred after the retroactive date on your policy.

Because of the type of professional services that you offer, it’s possible that a client may be unhappy with your work. They may have a grievance if they expected a result that was unrealistic or they might react badly to a treatment. If they have an existing problem that gets worse, they could blame you or a member of your staff for that. Whether or not you’re actually at fault, the right policy with full malpractice insurance cover will protect you and the business you’ve worked hard to build if the unexpected hits you.

Our cover will safeguard you whether you work from a salon, a clinic, from home, or on a mobile basis. It provides cover to work anywhere in the United Kingdom, the Channel Islands, or the Isle of Man. It also gives cover for temporary (up to 14 days) work abroad (excluding the USA and Canada).

A wide variety of therapies and treatments are included within the standard cover, and there are a number of optional therapies that you can add if you need them, at an additional cost.

Malpractice insurance is included automatically as part our Salon Gold insurance policy for holistic, health and fitness professionals. (For hairdressers and beauty therapists, treatment risk insurance is the cover that’s required and so that is provided instead).

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business.

Go

Are you a Student?

Yes
No
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Based on the information provided we would suggest our Student policy.

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Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?

Yes
No
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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a salon or business owner?

Yes
No
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Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.

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Do you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their therapy or treatment?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

Get a quote
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote
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Our covers

We offer some of the most comprehensive insurance policies in the hairdressing, beauty, holistic, health & fitness and counselling sectors. Specialising in salons and fixed premises, as well as mobile and freelance businesses, Salon Gold insurance has been trusted for over 35 years, with prices you won’t find on a comparison site!

The automatic covers in our policies include everything you will need to ensure the dream you’ve worked so hard for is secure. But we also offer a range of optional covers that might be suited to your business’s needs — at competitive rates.

Explore our covers in our covers hub or get a quick online quote now!

Our treatments

The Salon Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.

Malpractice Insurance FAQs

What is malpractice insurance?

Much of what a holistic therapist, counsellor/psychotherapist, or personal trainer/fitness instructor does counts as a professional service. This would exclude from a public liability policy most claims arising as a result of the service you directly provide to your clients. Malpractice insurance is designed to bridge the gap by providing overall protection for claims related to bodily injury, mental and psychological damage from both physical procedures and advice, or a combination of both.

Who needs malpractice insurance?

Malpractice insurance is an essential form of cover for anyone working in a health, fitness or holistic business, as it covers not only the treatment you provide, but also any aftercare advice you recommend your clients to practise outside of your direct supervision.

How much does malpractice insurance cost?

Our policies are designed to suit each of our clients individually, and our malpractice insurance forms part of your policy cover. Get a quick quote online now, with instant cover.

Will I automatically get malpractice insurance with any Holistic Gold, Counselling Gold or Fitness Gold insurance policy?

Yes, you will! Each and every one of our holistic, health and fitness insurance policies includes malpractice insurance automatically. However, if you have a Salon Gold salon hair or beauty insurance policy, this cover is replaced with treatment risk insurance.

What is a malpractice insurance retroactive date?

A retroactive date on your insurance policy where malpractice insurance is concerned is typically the date from which you’ve held uninterrupted malpractice insurance, even if you’ve chosen to change insurance providers in this time. Anything pre-dating your retroactive date will usually not be covered by your insurance. It’s important because, in order for a claim to be covered by your insurer, your insurance will need to have been in place both when the incident occurred and when you make a claim. If you do change insurers, you can typically purchase retroactive cover from your new insurer. This will cover claims dating as far back as your retroactive date, and will mean that your new insurance company will deal with the claim, instead of having to contact your previous insurer.

How is malpractice insurance different from public liability insurance?

While standard public liability insurance offers cover for injury or damage to a third party or their property caused by your business activities, it omits cover for injury or damage arising from professional services. As much of what a holistic therapist, counsellor or psychotherapist, or personal trainer or fitness instructor does counts as a professional service, this would exclude most claims arising out of the service you provide to your clients. Malpractice insurance seeks to bridge this gap, providing complete overall protection for claims made for bodily injury, mental and psychological damage from both physical procedures and from advice, or a combination of the two.

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s). © Copyright 2024 Salon Gold | Salon Gold, Holistic Gold, Counselling Gold, Fitness Gold and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register. Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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