about wellbeing insurance

The Types Of Insurance We Arrange

We arrange commercial insurance of various types with particular emphasis on the health and wellbeing communities.

We insure Yoga Teachers and Trainers, Complementary Therapists of most types, Fitness and Exercise Instructors, Dance teachers, Pilates & Tai Chi instructors to name a few. We can also accommodate First Aid Practitioners, Assessors & Trainers including Health & Safety and other forms of corporate training, as well as a variety of specialist activities involving babies and children. 

Malpractice & Professional Liability Insurance

Our policy provides Malpractice (Professional Indemnity), Public Liability and Products Liability cover combined in one policy.   It caters for a wide range of activities as practiced by our Instructors, Therapists, Trainers and other clients and cover is available for individuals, partnerships, limited companies, entities and groups.

The policy is an annual contract and is available to residents of the UK, Channel Islands and Isle of Man and cover is automatically included for temporary teaching/practicing anywhere in the world for an unlimited number of days (please note that any claim against you must be filed in the UK courts and will be subject to UK law).

Cover is underwritten on a losses-occurring basis so providing the policy is in force when an incident happens then, subject to the policy wording, terms and conditions, the claim will be dealt with by the insurers.

Our standard Limit of Indemnity for most activities is £7,000,000 however this can be increased to £10,000,000 for a small additional premium. A standard Limit of Indemnity of £1,000,000 applies in respect of sling and nappy libraries and baby wearing peer supporters.

The policy indemnifies the instructor/therapist’s legal liabilities to third parties, including the clients or students in their charge. It protects against errors or omissions that might give rise to accidental damage to, or loss of property, or injury to third parties – but only ‘pays out’ when it can be established that the instructor/therapist is ‘legally’ liable.

The policy will provide indemnity when you work from your own home, clients’ premises, studios, centres or any other premises. Cover can also be extended to incorporate Public Liability Premises Risk if you work from your own home to protect your legal liability should someone suffer an injury whilst entering your home for business purposes. You would be liable where negligence is proven against you as a result of your ownership/occupancy of your premises rather than as a result of your teaching.

Cover for small amounts of contents and equipment can also be included under our Professional Liability policy as necessary.

Provision can also be made to cover a qualified guest tutor/locum temporarily working on your behalf.

See an Insurance Product Information Document (AXIS PID) here and the full policy wording here

Legal Expenses

Available as an add-on to the Professional Indemnity cover there are sections offering defence against Criminal Prosecution, Tax Protection (not applicable to residents of the Republic of Ireland), Property Disputes and Data Protection as standard, with Contract Disputes cover also available as a further option.   

Essentially with Legal Expenses cover you are buying advice as much as an insurance policy.  For minimal cost you can have access to professional lawyers 24/7 in relation to any matters concerning your business – as often as you need them – to steer you through a labyrinth of legislation when necessary and for advice on the procedures and/or claims to follow.

This cover is available to both individuals and companies.

See the Insurance Policy Summary Document here and the full policy wording here

Personal Accident

Also available as an add-on to our Professional Indemnity policy, our Personal Accident cover provides a level of income protection for instructors, therapists and trainers in the event that an accident leaves them wholly incapacitated for their work. In the event of disability following an accident, the policy will provide benefit for Temporary Total Disablement commensurate with earnings. You will require a UK National Insurance number to apply for this cover.

Capital benefit sums are also provided in respect of death, loss of sight, loss of a limb and permanent total disablement following an accident.

Personal Illness/sickness cover is available as an optional extension subject to satisfactory completion of a proposal form and an additional premium.

See the Insurance Product Information Document (IPID) here and the full policy wording here.

Employers’ Liability

Employers’ liability insurance protects your legal liability to your employees if they become injured or sick as a direct result of the work they do whilst in your employment. If you employ anyone, even on a part time or voluntary basis, you’re legally obliged to take out Employers’ Liability insurance.

Employers’ Liability insurance covers:

Full-time and part-time employees

Self-employed contractors you hire

Temporary staff, apprentices and volunteers

People taking part in work experience or training schemes

See the Insurance Product Information Document (IPID) here and the full policy wording here

Studios, Fitness Centres & Therapy Clinics

Independent of the scheme insurance we can also arrange tailored insurance cover for studios, gyms, exercise and fitness clubs, yoga centres and therapy clinics.

Such policies can include cover for buildings, contents/stock as necessary along with business interruption, tenant’s improvements and contingent (vicarious) liability cover.

If you would like further information regarding this type of insurance please contact us to discuss your particular requirements.