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Professional
practice insurance cover. |
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Other
forms of insurance, allied to professional work, may
be arranged at preferential rates. |
THE
I.P.T.I. THERAPISTS GROUP INSURANCE POLICY
A SUMMARY OF TERMS AND BENEFITS
The
underwriters: The policy is underwritten
by Novae Underwriting Limited underwriting for certain underwriters at Lloyd's, and is arranged through DSC Insurance Services. .
The
policy: Provides insurance protection for members of
I.P.T.I. whilst performing therapies and treatments of which
they are qualified practitioners.
Cover
provided: Third party risks (ie. claims by clients and
others against the therapist) including claims for loss and/or
injury including legal costs in respect of:-
| Section
1 |
Treatments
risks
Product risks
Accidental injury and loss (Public liability) |
Optional additional
cover and policy extensions. (additional premiums apply)
| Section
2 |
All
risks equipment & products protection. This section
protects therapists' personal business equipment and
products against loss or damage. |
Policy
extensions: An individual member's cover may be extended
to include:-
1) Insurance for part-time teaching of their professional
skills.
2) Insurance for practical work compiling case studies whilst
taking a course leading to further practitioner qualifications.
The
workplace : The policy is effective wherever the therapist
chooses to work. this can include their own home, the client's
home, salon, clinic, leisure centre, public hall etc. Treatments
performed during demonstrations or lectures are also included.
Therapies
covered : The policy provides protection at a single
premium rate for the widest range of therapies and treatments
of any current policy (click here
to view treatments covered). In addition a range of specialist
therapies and treatments can also be insured on payment
of a supplement premium.
Claims
made wording: The policy is written on a "Claims Made" basis. A claims made policy covers claims reported during the policy term, provided the event that lead to the claim occurred after the retroactive date of the policy issued. If, for whatever reason, you do not continue to purchase cover, this means there is no cover in force for previous work undertaken. Therefore you will require 'Run Off' cover if you wish to be covered for previous work performed.
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