Alternative therapy insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for alternative health practitioners?

Claims against your business for:

• damage to someone else’s property, caused by your work
• injuries caused by you at work, or afterwards because of your work
• accidental injury or damage caused by your employees (if you have any)

For example:

• you accidentally knock your client’s car when parking up outside their house, causing damage to the paintwork on one side
• a customer trips on a loose cable while on your premises, falling and breaking their arm in several places
• an employee is mopping the floor, but forgets to put up a safety sign, causing an electrician to fall and injure their back

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your practice

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury to someone you employ, including contractors and temps, that happens as a result of working for you
• a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
• a temporary employee traps their hand in a door at your premises, causing several fractures
• a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

• accidental damage to your contents, or the equipment you use to run the business
• theft, flood, and fire damage

For example:

• someone breaks into your business premises and steals three company laptops, as well as two sets of headphones
• a faulty dishwasher floods your office kitchen, causing damage to several appliances
• your business equipment is damaged by vandals during a break-in

Read more about busines contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your practice.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for legal representation to recover debts or unpaid invoices
• costs and expenses following identity theft
• tax protection if there’s an investigation into your business

For example:

• one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
• your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
• HMRC is investigating your recent tax return as they noticed a fluctuation in your business income

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• an accidental injury or death suffered by anyone who’s named on the policy (whether it happens at work or elsewhere)
• medical costs and hospitalisation benefit, as well as income lost by your business

For example:

• your office manager – who you’ve covered on the policy – injures their back at the gym and can’t work at full capacity for a month
• you suffer a serious burn while cooking and need to take time off work for treatment
• one of your employees breaks their arm while playing football, and can’t work at full capacity for three weeks

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• theft or vandalism to your stock
• other loss or damage to your stock, for example through fires or floods
• essential stock that you need to sell in order to operate

For example :

• your stockroom gets vandalised – products you need to operate are stolen and damaged
• a fire caused by faulty electrics spreads to your stockroom and destroys sellable items
• a leaking pipe floods your business premises, destroying stock that you intend to sell

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

• accidental damage to your tools and equipment
• theft of the tools you use for your business
• loss of your business tools

For example:

• your tools are stolen from your car or van
• you lose some expensive equipment on the way to a job
• a flood causes irreparable damage to your [TRADE] tools

Read more about tool insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

• after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
• a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
• a tenant’s suitcase scratches the wooden flooring in your hallway – you won’t have to pay any excess on your accidental damage claim