Q. What does the policy cover me for?
A. The policy offers the following cover:
Public Liability which will cover you for any injury or damage to a third party or their property caused by, or arising from, any tuition or instruction that you give during your business activities.
Professional Liability (also known as Medical Malpractice) which will cover is available to protect you against claims relating to physical injury or psychological damage deemed to have been caused by your business activities.
Professional Indemnity which will cover you for injury or damage caused by or arising from any tuition, verbal instruction or advice given by or on behalf of the Insured in respect of the activities contained within your business description.
The policy also offers Equipment and Personal Accident cover as optional extras.
Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. Should you wish to have your documents sent to you by post, we are happy to offer this service but at a charge. Please call a member of our team to discuss this further on 01494 887909.
Q. Who underwrites your insurance?
A. Our Therapist Insurance policy is underwritten by CFC Underwriting. They provide insurance to over 50,000 businesses in more than 60 different countries.
Q. Do you cover students?
A. No, our Therapist Insurance policy will only protect those who qualified in there chosen treatments. The qualification must be obtained by an accredited awarding body.
Q. Do you need to see my qualification certificates?
A. 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.
Q. What if I train in new treatments or therapies whilst I am insured with you?
A. 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 Call one of our team members on 01494 887909 (Mon-Fri, 9am-5:30pm).
Q. Can I amend my policy at any time?
A. 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 us on 01494 887 909 to discuss your requirements.
Q. Will you cover me if I operate abroad?
A. No, our cover will only protect you during your business activities carried out in the United Kingdom.
Q. How long will your insurance cover me for?
A. All of our public liability insurance policies are annual. If you require insurance for a shorter period, please contact us to discuss your requirements. To speak to one of our advisers call 01494 887 909.
Q. Is there a cooling-off period?
A. 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.
Who to call?
Protectivity Sales Team:
Mon-Fri 9:00.a.m – 5:30.p.m