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?
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. (Read more about this in the next section).
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).
What does a ‘claims made’ & ‘claims occurring’ policy mean?
Malpractice insurance is unique in the way that claims are covered. A typical malpractice insurance policy includes cover on a ‘claims made’ basis, while public liability insurance policies typically include cover on a ‘claims occurring’ basis – and there is a slight difference between these two terms. In a ‘claims occurring’ policy, cover is provided for claims arising from incidents which actually occur during the period of insurance, so even if a claim is made after the incident, so long as you had an insurance policy in force when it actually happened, your insurer would still cover the costs of the claim.
By contrast, a ‘claims made’ policy gives cover for claims actually brought against the policyholder in the period the policy is in force. This means that, if an incident occurred while the policy was in force, but a resulting claim was brought against the policyholder after the policy had ended, then they wouldn’t be protected. This is why it’s important for people working in these industries to make sure they get ‘run off’ cover on their malpractice insurance policy should they choose to cease trading or retire, to ensure they’re still protected against potential claims made after the policy lapses.
To read more about the differences between ‘claims made’ and ‘claims occurring’ policies, please visit our Knowledge Hub, which goes into more depth on the subject.
Which type of Salon Gold policy do I need?
Find out which insurance policy is right for your business by clicking below.
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Malpractice Insurance FAQs
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.
Malpractice Insurance Related Articles
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