Question 1

Is there a cooling-off period?

Accepted Answer

Yes, should you change your mind or wish to cancel your policy for whatever reason we offer a full refund within 14 days of purchase provided no claim has been made. Where cancellations are made after 14 days of the start date of the policy, the premium refund will be provided on a pro-rata basis and an administration fee will be charged.

Question 2

How long will your therapy insurance cover me for?

Accepted Answer

All of our public liability insurance policies are annual.

Question 3

Will you cover me if I operate abroad?

Accepted Answer

No, our cover will only protect you during your business activities carried out in the United Kingdom.

Question 4

Can I amend my policy at any time?

Accepted Answer

Yes, we appreciate that circumstances can change. It’s important that you notify us of any changes that may affect your insurance, please call us on 01494 887 909 to discuss your requirements.

Question 5

What if I train in new treatments or therapies whilst I am insured with you?

Accepted Answer

Providing the activity is one of the 250+ that we cover under this insurance, and you have qualified via an accredited awards body, then we can add it to your policy, and you will be covered. We ask that you call one of our team members on 01494 887909 (Mon-Fri, 9am-5:30pm).

Question 6

What insurance do I need as a Counsellor?

Accepted Answer

As a counsellor, you will need comprehensive business insurance with public liability and professional indemnity cover.

Question 7

Is Reflexology covered by insurance?

Accepted Answer

Yes, reflexology together with other 250 holistic related activities are covered under our policy.

Question 8

What insurance do therapists need?

Accepted Answer

This will depend on your individual needs, but in general therapists need comprehensive business insurance that includes public liability. It will cover you if you are sued for injury or damaged caused to a third party or their property. Professional indemnity is also vital, as it protects you in the event that you are sued for any negligent advice you may be deemed to have given.

Question 9

How quickly will my documents come?

Accepted Answer

We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. We do not automatically send documents by post because we are conscious of our environmental footprint, but if you do require a paper copy, please email us at sales@protectivity.com or call us on 01494 887909 to arrange this.

Question 10

Who underwrites your therapy insurance?

Accepted Answer

Our Therapist Insurance policy is underwritten by Peach Pi.

Question 11

Do you need to see my qualification certificates?

Accepted Answer

No. You will only need to produce your qualification certificate(s) in the event of a claim. When you purchase your insurance we will ask you to declare that you have a suitable qualification for the activity that you require cover for.

Question 12

Do you cover students?

Accepted Answer

No, our therapy insurance policies will only protect those who qualified in their chosen treatments. The qualification must be obtained by an accredited awarding body.

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