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Knowledge, experience and qualifications are all vital, but understand why we don't ask you to send proof when insuring you.
Working in this field can be incredibly rewarding, as you bring joy and confidence to clients. However, the expanding array of treatments and services also means that the associated risks are higher than ever.
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The massage industry offers a diverse range of practices aimed at promoting relaxation, healing, and overall well-being. From Swedish and deep tissue massages to sports and aromatherapy treatments, your skills help clients achieve better health. Westminster provides tailored insurance solutions that cover the wide array of massage modalities, ensuring your practice is protected. Our flexible policies are easily updated to keep pace with your growing and evolving services, allowing you to focus on providing healing touch with peace of mind.
See the list of practices we feel would be of most interest to you. If you can't find what you're looking for or offer a more diverse range of services check out our full list.
IMPORTANT TIP: You may find that the business practice name differs a little from what you may call it, but provided that the description matches what you do, this will provide the cover you require.
Ashiatsu is a form of massage in which the therapist uses their feet to massage the body of the client. Overhead bars or ropes are used to support the therapist to ensure client safety. The goal is to provide a full body deep tissue massage which many claim is less painful than traditional deep tissue massage (using elbows and forearms etc) as the foot provides a larger surface area to glide over the tissue and create a firm stroke using the therapist's body weight.
Body massage performed according to the teachings and doctrines of Ayurveda, the ancient science of perfect health as practised in India for thousands of years. This is body massage conducted broadly in line with Swedish Massage techniques but with the added components of Ayurveda.
Ayurvedic Yoga Massage comprises yoga-based assisted stretching and deep tissue muscle stimulation and massage to open and realign the entire body; a truly powerful system of body therapy. Whilst similar, at first glance, to Shiatsu or Thai and traditional Ayurvedic stroking massage (abhanya), it is actually a completely different system of therapeutic bodywork as it uses a unique system of synchronized breathing and stretching, progressively moving deeper and deeper within the body.
The teaching of and instruction in Baby Massage for parents in groups as well as individually dealing with the massage of babies safely.
Body massage originated in Sweden. Swedish body massage is the original massage technique involving a sequence of movements working superficially and deeper into the tissue layers. Please see our definition of Swedish Massage. Back massage is Swedish Massage and concentrates and specialises in massage of the patient's back to relieve tension and promote deep relaxation in the tissues and muscles.
A range of non-invasive treatments designed to reshape, tone, and enhance body aesthetics through specialized manual techniques and instrument-assisted therapies. These therapies stimulate lymphatic flow, improve circulation, and target fat deposits to promote detoxification and aid body sculpting. Including techniques such as Brazilian Manual Lymphatic Drainage, Wood Therapy, Madero Therapy etc.
Candle massage is a unique treatment that uses a melted candle, which secretes butter oil not wax, to massage into the skin. The oil is a warm temperature and is very soothing for the muscles. This treatment combines massage with the candle oil which melts away tension and soothes the skin. The treatment can ease tension, reduce stiffness and help with blood circulation. It can leave you feeling relaxed and rejuvenated. The oil can nourish and moisturise the skin as well as combating stress, aches and pains. We light the massage candles and then blow out and pour the oil onto the skin then perform the body massage.
Conditions:
Chavutti Thirumal is a form of massage, which has its origins in Ayurvedic medicine and has been practised in India since ancient times. This is a full body oil massage, but it differs greatly from other forms of massage, in that, to perform Chavutti Thirumal, the practitioner uses her bare feet to carry out specific strokes; some are short, but generally they are long controlled strokes. Chavutti was borne out of the ancient Indian art of Kalarippayattu a fighting system which is indigenous to Kerla in Southern India. Kalari embodies elements of dance, yoga and Ayurvedic medicine and this extraordinary massage was originally developed to heal, as well as to promote suppleness and flexibility, thus enabling the Kalari practitioners to perform their art with fluidity and dexterity.
This is a comprehensive therapy which can be used effectively for the treatment of many conditions at all ages. It is extremely gentle, non-invasive, and causes no discomfort or disturbance to the client; nor does it have any risks or adverse side effects. In treating the cranio-sacral system, the practitioner is seeking out and identifying areas of restriction, compression or tension through the body which may in turn be impeding proper function of organs, muscles, nerves, blood vessels and body tissues in general. These restrictions may be the result of injury, infection, inflammation, emotional tension or underlying pathologies. They may also be caused by the compressive pressures of the birth process.
Daoyin Tao is Chinese Face Neck and Shoulder Massage and is a synergy of softened and adapted traditional Chinese and modern Western massage techniques which creates a subtle yet powerful harmonious blend. Daoyin Tao offers a totally holistic therapy experience.
Massage is the practice of applying structured or unstructured pressure, tension, motion, or vibration manually or with mechanical aids to the soft tissues of the body, including muscles, connective tissue, tendons, ligaments, joints and lymphatic vessels, to achieve a beneficial response. Deep tissue massage, as the name implies, concentrates on the deeper tissues of the body to aid the process of injury healing, relieve psychological stress, manage pain, and improve circulation. Where massage is used for its physiological, mental, and mechanical benefits, it may be termed "therapeutic massage" or manipulative therapy.
Fire massage is an ancient massage technique that helps with reducing stress, fatigue and pain; improving circulation, flexibility and sleep, eliminating toxins, enhancing immunity etc. Although the specifics may vary, fire massage generally involves placing a cloth soaked in alcohol and a special elixir over the face, back, legs, belly or other problem areas. The cloth is ignited and allowed to burn before the therapist smothers the flames with a wet towel. The area is covered with a poultice, film, and/or a wet towel before and during the therapy to protect the skin.
Involves scraping the skin as a massage, working with the tissues & muscles, removing blockages tensions & knots, detoxing the body, working with the lymph nodes, removing dead skin and excess hair. For health & beauty purposes. .
Hijama Cupping Therapy is a natural, holistic preventative and curative treatment. It can be administered to treat many muscular, skeletal, glandular, hormonal, digestive, respiratory, circulatory, reproductive, lymphatic, immunological, neurological and emotional conditions. The extraction of a small amount of toxic blood, acids, fats and debris from the body allows ample movement of healthy,oxygenated blood round the body. Hijama has the ability to distinguish between healthy blood and toxic blood. Through the Hijama process, you remove only toxins, acid and any other harmful agents from body and not the healthy blood.
Holistic massage is an ancient discipline used to improve health and wellbeing by treating the mind, body and spirit. It maintains our general health and fitness, complements traditional medicine in the treatment of specific conditions and symptoms, and offers relaxation in our often hectic lifestyles. Massage is the therapeutic application of touch using a range of movements or strokes upon the skin, muscles and joints. It has significant benefits for all the body's essential systems.
Hot & Cold Stone massage is a unique form of massage therapy using stones to warm and cool the body in a specific body sequence. The hot stones help warm up muscles and reduce aches. The cold stones help with injury and recovery (aiding reduction in inflammation, pain and swelling). The stones used can be but are not limited to volcanic, marble, Himalayan salt stones etc.
Approved Practitioners:
Indian Head Massage is a technique of manipulating soft tissues in the upper body. The therapist uses a range of different massage pressures and rhythms to stimulate the upper body parts including but not limited to the head, neck, face, shoulders/shoulder blades, scalp, upper arms etc. A typical massage lasts about 20 minutes.
In Kalari, massage is done by the GURUKKAL. This is a form of massage, and for descriptive purposes may be likened to Chavutti Thirumal. Please see our definition for a description. Kalari embodies elements of dance, yoga and Ayurvedic medicine and this extraordinary massage was originally developed to heal, as well as to promote suppleness and flexibility, thus enabling the Kalari practitioners to perform their art with fluidity and dexterity.
The treatment involves breathing work, a singing bowl and a seven stage massage and acupressure of the scalp, face, throat, neck, shoulder, upper arms, hands and feet.
LaStone is a multifaceted technique designed to benefit the client and therapist. This is a bodywork and massage technique alternating hot and cold to the body.
A hands on therapy, Lava Shells Massage is a similar treatment to a hot and cold stone massage except that it uses polished tiger clam shells, filled with Lava Gel and an activator to create a self heating tool that stays hot for an hour. This is used to massage the body. A milder heat and smaller shells are used to massage the face. Glacier (cold) shells can also be incorporated into the therapy.
Lomi Lomi Hawaiian massage is an ancient form of massage, created by the early Polynesian settlers to Hawaii. It is a form of full-body massage that is performed on the entire body at once. The therapist uses long, slow, free-flowing strokes that go from head to toe and vice-versa in a continuous and rhythmic movement, feeling like gentle waves moving over the body. There is no set routine or sequence, the massage is rather guided by the therapist's intuition, using a combination of learned strokes and techniques. Its aim is to release tensions and through the healing touch, liberate negative energies trapped in the body.
A form of massage therapy applied to parts of the body or successively to the whole body, to aid the process of lymphatic drainage. It can be used to clear congestion, waste and fluid from the system. It can boost the imune system, reduce fluid retention and help detoxify the body.
The 'M' Technique is a method of structured stroking. Each movement and sequence is done a set number of times, in a set pattern, at a set pressure and set speed that never changes.
Manipulative therapy is massage which is the practice of applying structured or unstructured pressure, tension, motion, or vibration manually or with mechanical aids to the soft tissues of the body, including muscles, connective tissue, tendons, ligaments, joints and lymphatic vessels, to achieve a beneficial response. Common techniques used (but not limited to) are High-Velocity Low-Amplitude (HVLA) and Low-Velocity Low-Amplitude (LVLA). A form of therapy, massage can be applied to parts of the body or successively to the whole body, to aid the process of injury healing, relieve psychological stress, manage pain, and improve circulation. Where massage is used for its physiological, mental, and mechanical benefits, it may be termed "therapeutic massage" or manipulative therapy.
Manual Lymphatic Drainage (MLD) is an advanced therapy in which the practitioner uses a range of specialised and gentle rhythmic pumping techniques to move the skin in the direction of the lymph flow. This stimulates the lymphatic vessels which carry substances vital to the defence of the body and removes waste products. It can boost the imune system, reduce fluid retention and help detoxify the body.
Massage is a form of therapy applied to parts of the body or successively to the whole body including muscles, connective tissues, tendons, ligaments, joints and lymphatic vessels to aid the process of injury healing, relieve stress, manage pain, improve circulation, elevate menopause symptoms etc. There are five basic movements/strokes that are used: effleurage, petrissage, tapotement, friction and vibration/shaking. These are commonly applied with hands, fingers, elbows, knees, forearms, feet or with mechanical aids and/or handheld tools (including but not limited to spiky balls, massage sticks, foam massage balls/rollers, thumb tools, wooden tools etc).
Metamorphosis was originated by Robert St John and his original work. His training as a reflexologist led him to the theory that he did not need to work on the whole foot, hand and head to help his clients. He worked on specific reflex points to relax his clients and help them to feel more positive. Because of the changes he noticed in his clients attitude after the sessions he named it Metamorphosis. Other names this practice is known by is (but not limited to) Metamorphosis-RSJ.
This would include a variety of gentle, intuitive therapeutic practices that integrate traditional massage techniques with subtle energy work, energy healing touch, intuitive sensing, and emotional release. Unlike conventional massages, they address not only the physical body but also the energetic and emotional layers, aiming to calm the nervous system, release stored emotions, shift subconscious patterns, and reconnect clients with their inner truth. Through slow, conscious touch, gentle holds, and sacred intention, it offers a deeply nourishing, soul-cantered healing experience for those seeking reconnection, grounding, and holistic well-being. These therapies may be known under different names such as but not limited to Embodiment Massage.
Mizan Therapy is based on a gentle, non-invasive massage and traditional healing techniques to address conditions involving the abdominal area, womb, reproductive systems, and digestive systems and to promote health and well-being on both physical and emotional levels. It can be combined with the use of oils. Includes benefits to women pre and post birth. The treatment works by releasing tension within the abdominal muscles, soft tissue, ligaments and pelvic cavity that may be impinging on the function of the reproductive, digestive and lymphatic systems. Aims to improve the flow of blood and lymph circulation, restore balance, treat painful menstrual cycles and heavy periods, and release emotional trauma etc.
The Back In Action Mobiliser is a massage mat specifically designed for the back - made and distributed by Back in Action - cover is provided for businesses that offer use of the Mobiliser to clients.
Neuro massage is a specialized massage that aims to alleviate chronic muscle pain and nervous system disorders, problems, conditions, disabilities and/or injuries. These may include but are not limited to people with post stroke conditions, neurodegenerative conditions (MS, Parkinsons, motor neuron disease etc), Alzheimer disease, brain injuries, cerebral palsy, spinal cord injuries, transverse myelitis, and dementia.
Very light touch to the head and body to facilitate relaxation in the body (fully clothed on a massage couch). Relaxation and stress resolution/management.
Oncology Massage (T2) Oncology Massage is undertaken by practitioners who are trained in the biology of cancer, the different types of treatment and their side effects, and protocols to deliver a safe massage. They apply modified and new manual therapy techniques, using advanced soft tissue skills. Benefits can include the reduction of anxiety, pain, nausea and depression, and increased dopamine levels.
This is a massage of the hand, arms, feet and other body parts with an Eastern flavour. It is a fusion of Eastern Hand Massage techniques, reflexology & acupressure. Hands contain many thousand sensory nerve endings which makes them one of the most sensitive areas of the body. The early Chinese developed the technique of acupressure thousands of years ago. This provided the basis for reflex zones and the relative points and connections between different parts of the body. It is well documented that the early Chinese, Japanese, Indians and Egyptians worked on the hands, feet and other body parts to promote good health and many of the long-established principles developed then are now available to be used in the modern practice.
OFM refers to the use of Natural Facelift Rejuvenation Massage, Indian Face Massage, Japanese Face Massage, Tibetan Face Massage and Face Yoga Massage. These techniques may be used separately or fused together to work on the facial muscles to ease tension, smooth away fine lines, increase elasticity, release toxins, reduce stress and achieve relaxation.
Osteopathy is a type of complementary and alternative therapy which primarily consists of moving, stretching, massaging and manipulating a person's muscles and joints. Its practitioners believe that the health and wellbeing of an individual depends on their bones, muscles, ligaments and connective tissue functioning smoothly together.
A pregnancy massage is a specially adapted gentle and soothing massage tailored specifically for the mother-to-be. It includes any hands-on massage treatment for a woman during her pregnancy, providing massage for labour and for instructing couples on labour massage strokes. This type of massage may be provided by suitably qualified therapists who have the knowledge, confidence and awareness to work with pregnant clients.
Pressotherapy is a non-invasive treatment that involves the application of air pressure - alternating between compression and decompression - on parts of the body. The pressure is applied with a specialised pressotherapy device or a suit that stimulates the lymphatic system. It can be used for cosmetic and medical reasons, including but not limited to detoxifying, relieving aches, pains and swelling, increasing blood circulation, cellulite reduction, body shaping, skin rejuvenation, enhancing skin tone etc.
Using deep tissue massage, stretches and adjustments and working with the bodys energy systems to release both physical and emotional tension.
Seated Chair massage covers four areas, (shoulders, back, scalp, arms) in a seated position sometimes using an upright apparatus. Seated Massage is also known as "On Site Chair Massage" and "Acupressure Massage". It is an extremely popular therapy due to its versatility and the fact that clothing does not need to be removed. It can be carried out in almost any setting from offices to the gym or even outdoors, at all types of events.
Treatment of symptoms by applying pressure with the fingers to specific pressure points on the body.
Use of hot tub, saunas (including but not limited to traditional, steam, wet, infrared etc.), steam rooms and spas either prior to a therapy or as a therapy in itself.
Sport massage is the practice of applying structured or unstructured pressure, tension, motion, or vibration manually or with mechanical aids to the soft tissues of the body, including muscles, connective tissue, tendons, ligaments, joints and lymphatic vessels, to achieve a beneficial response. Sport massage is specifically directed so as to be beneficial for anyone engaged in sport.
Sports injury therapy is a therapeutic approach to preventing or treating injuries affecting the muscles, joints, ligaments or tendons. It incorporates various techniques, including but not limited to stretching, exercises, strengthening and mobilising the affected area, during the treatment process.
The Story Massage is a type of massage that combines massage strokes with the fun and creativity of words whether as story, rhyme, song etc. It is intended for individuals of all ages and abilities. Some of the benefits include: improved calmness and concentration, increased self-confidence, self-awareness and self-esteem, improved social skills, increased engagement in activities, better communication, building respect and positive relationships. The Story Massage may also have educational element if used to fit the national curriculum.
Massage originated in Sweden. Swedish body massage is the original massage technique involving a sequence of movements working superficially and deeper into the tissue layers. Stress massage is Swedish Massage that concentrates and specialises in the relief of stress in the patient.
Body massage originated in Sweden. Swedish body massage is the original massage technique involving a sequence of movements working superficially and deeper into the tissue layers. Movements such as effleurage work over the skin with the palm of the hand producing relaxation, whereas movements like petrissage work deeply. Petrissage movements such as wringing and kneading will help to relieve tension promoting deep relaxation in the tissues and muscles. As no two people are alike, the body massage sequence will be adapted to the client's needs. Areas massaged in a full body massage are normally, legs, arms front of shoulders, abdomen (optional) back of legs or thigh and back.
Tapas Acupressure Technique (TAT) is one of the new ENERGY PSYCHOLOGY techniques. It has been developed by Tapas Fleming, an American acupuncturist, to treat allergies. It is an incredibly simple and fast technique used to treat the negative effects of allergies, trauma and beliefs. This powerful Energy Psychology healing technique is based on Traditional Chinese Medicine and uses a set of points on the head where many acupuncture meridians merge and enter the brain. Contact on these points opens up a flow of energy that allows the brain to rapidly process and release stuck information, thought patterns and beliefs.
This is very similar to hot stone massage but using herb compresses rather than stones.
A traditional therapy from Thailand that combines gentle pressure, stretching, and rhythmic movements applied to the hands, feet or body for relaxation and improved flexibility. It incorporates elements of Shiatsu, Chinese massage, and Yoga.
This is an ancient, Eastern form of bodywork. The treatment works on the body's sen (energy) lines and incorporates the use of acupressure, yogic stretches and twists as well as breath work. Thai massage is a whole body technique. Attention is given to feet, legs, hips, the stomach, the lower and upper back, the shoulders, the head and face which is why sessions are often longer than many Western massages. Thai yoga massage is given in a meditative manner and is often called 'the physical application of loving kindness' because the giver wishes good health and happiness upon the receiver.
Providing healthy and nurturing platonic therapeutic touch therapy for health and well-being. This can include anything from just being present, to hand-holding, to simple massage techniques.
Thermal Palms are a great alternative to hot stone massage. They are soft hand-held heat modalities which provide long lasting heat as they cushion and protect bone during massage.
The practice of applying structured or unstructured pressure, tension, motion, or vibration manually or with mechanical aids to the soft tissues of the body, including muscles, connective tissue, tendons, ligaments, joints and lymphatic vessels, to achieve a beneficial response. A form of therapy, massage can be applied to parts of the body or successively to the whole body, to aid the process of injury healing, relieve psychological stress, manage pain, and improve circulation.
Vacuum/Suction therapy is a non-invasive technique using a mechanical vacuum/suction device. This technique has various benefits including stimulating muscles, breaking down cellulite and fatty deposits, eliminating toxins, improving lymphatic drainage, improving blood flow and skin elasticity, reducing muscle tension, removing stretch marks and scars, lifting, toning and sculpting the body etc. This therapy can be used on the body and the face. Devices used for this technique include but are not limited to Dipomed, Edermology, Striort and Fibroderms.
Is very similar to hot stone massage but using lengths of bamboo rather than stones.
Combined Business Insurance provides crucial protection. This core bundle is at the centre of every policy, offering comprehensive protection by combining Professional Indemnity, Medical Malpractice, and Public Liability insurance in one policy. So you can grow your business with confidence, while you are protected for the following:
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Designed to tackle the problems associated with your computer systems, websites and emails.
Protection for your office essentials, from computers and furniture to documents and signage.
Employee Liability insurance is a legal requirement if you have employees.
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
Working in the massage therapy industry involves a range of unique risks due to the hands-on nature of the service. Physical contact can sometimes result in unintended injuries to clients, whether through incorrect techniques or unforeseen reactions. The use of various products, such as essential oils, introduces the possibility of allergic reactions. Additionally, the close and personal interaction during sessions can sometimes lead to misunderstandings or false claims of misconduct, which can harm your reputation and lead to legal challenges. Equipment or property damage, whether it's to your own tools or a client's belongings, is another potential risk. Furthermore, clients may experience adverse effects or health complications following a session, potentially resulting in claims for compensation. Comprehensive insurance coverage is essential to protect your business from these diverse risks, ensuring you can provide your services with confidence and peace of mind.
Having the correct level of experience or qualifications necessary to offer a service is...
A client suffers a muscle injury due to an overly aggressive massage technique. The client sues for medical costs and lost income due to the inability to work.
A client experiences a severe allergic reaction to a massage oil used during the session. The client demands compensation for medical treatment and discomfort.
A client claims that private information shared with you during a session, was made public. The client seeks damages for emotional distress.
A client contracts an infection due to unsanitary conditions or improperly sterilised equipment at the massage facility. The client files a claim for medical expenses and damages.
A client slips and falls in the massage centre due to a wet floor or other hazard. The client demands compensation for injuries sustained.
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A Very positive experience renewing my policy - Spoke to a very knowledgeable and helpful person this morning. He not only guided me through the whole application process, but stayed online until I had completed it, helping me at every stage of the way.
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Thank you! - The online checker is easy and make your options crystal clear. The application is also simple to follow and is a refreshing breeze. Definitely took the pain of legal matters away, I'd recommend them to anyone.
Yes, but it depends on what you're purchasing:
New Policy: When buying a new policy, you can choose monthly payments to spread out the cost. Keep in mind that it's still an annual policy, so you need to keep up with the monthly payments.
Renewing a Policy: If your current policy is due for renewal soon and you're currently paying yearly but would like to pay monthly, or vice versa, that can easily be changed online by following the link in your renewal email.
Adding Extra Cover: If you add extra cover (like portable equipment) to an existing policy mid-term, the full amount for the add-on is due at the time of purchase.
The cost of business insurance varies based on several factors, including your annual income, the level of cover you choose, the number of people included in the policy, the services you provide, and whether you need overseas coverage or any of the add-on products.
The best way to find out how much it will cost for your business is to get an instant quote—it only takes a few minutes.
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If you need to file a claim, simply log into your account and go to the Claims page to submit the details.
If you're not sure if you need to make a claim or want to talk about a situation that might lead to one, give us a call at 01305 839939 (Monday to Friday, 9 AM - 5 PM excluding bank holidays) or send an email to claims@westminster.global with a brief description of what happened. We're here to help you through the process!
Business insurance (Professional Indemnity, Public Liability and Medical Malpractice) provides your business (and you personally if you are a sole trader) with an essential safety net, offering vital protection against the stress and financial impact of respondin to a Claim. Without insurance, if you are faced with a Claim, you will need to fight this battle on your own or appoint solicitors to help you. The first option is unadvisable, time consuming and stressful. The second option is costly.
Remember, that should the very worst happen and there is a large compensation payment to make, the business has to find the funds to pay it - do you think it likely that it will have large amounts of spare funds?. If the business isn't incorporated, then it is your personal assets that will be used to make the payment.
Insurance provides a very cost effective option, peace of mind and security for your business.
Choosing the right insurance for your business depends on what kind of work you do, the risks involved, and any legal or contractual requirements.
To make it easier, try our Insurance Checker under Resources---just answer a few quick questions, we'll guide you through the right coverage.
Absolutely!
We have coverage tailored to fit you, so you only pay for exactly what you need. You can customise your policy based on the size of your business, what services you provide and what cover level you want. With hundreds of business practices to choose from, you can add as many as you like to one policy (provided you meet the requirements).
The best part is - if things change, your policy can change with you. All of our policies are adjustable so if you need to add cover for a new service you are offering, or you get a new employee, or simply want a higher cover level you can simply login to your Account and adjust your policy.
We understand that businesses change and grow, so that's why your protection can grow with you.
If you are offering any service, whether you are receiving payment or, and whether it is to the public or friends and family, it is advisable to have business insurance. Whether you are a Limited Company, a freelancer/sole trader, partnership or group, the same risks apply. By offering a service you are exposed to the risk of having a Claim made against you.
The cover is in place immeditaly and creating a quote only takes a couple of minutes
Absolutely! You can include as many practices as you need on a single policy, and you will only pay for the highest cost one. Here's how it works:
All in One Policy: List any number of practices without worrying about extra charges. Regardless if they are practices from different sectors.
Risk Levels Matter: Instead of charging for each practice, we charge based on the highest risk level of the practices you've chosen. Our tiers range from 1 (lowest risk) to 5 (highest risk).
One Cost, One Tier: So, if you include practices with different risk tiers, you'll only be charged according to the highest-risk practice on your policy. For example, if you have five Tier 1 practices and two Tier 5 practices, your rate is based on one Tier 5 practice.
Yes we do. We offer cover for Sole Traders, Self-Employed, Freelancers & Students.
Yes, absolutely! You can easily add additional business practices to your policy at any time through your online account—no need to call or email.
If the new practice falls within the same or a lower tier, there’s no extra charge. However, if it falls into a higher tier, there may be an additional cost, which will be clearly shown before you confirm the update.
Simply log in to your account, go to the Policy section, choose Edit business practices and choose what you want to add.
Important Note: If your update requires an additional payment, it must be paid in full at the time of the change—it cannot be spread across monthly instalments. Your updated coverage will still follow the original policy expiry date.
Our policy is 'Claims made' and covers Professional Indemnity, Public Liability, and Medical Malpractice Insurance under one simple policy. But what does that mean when it comes to claims?
Here’s an example:
You run a sports and health coaching business and have £1,000,000 in cover.
That’s £150,000 in claims—plus legal fees and reputation management costs
Since your policy covers all three types of insurance, and you report the claims promptly, we cover the costs up to your chosen limit.
In short: If a claim arises during your policy term and meets the policy criteria, we’ve got you covered—legal costs included.
Contraindications—symptoms or medical conditions that make certain treatments unsafe—must be carefully evaluated before each session. A thorough consultation should cover the client’s medical history, allergies, and medications, and they should sign a consent form confirming the information provided. If a contraindication is present, adapt the treatment accordingly or obtain a doctor’s approval if the client still wishes to proceed.
If the client is unable to obtain the doctor's approval in writing and has only verbal approval, they must sign to confirm that thay have consulted with their doctor and obtained verbal approval.
In the absence of the doctor's approval, or in the event that the client wishes to continue with the treatment against recommendation, treatment should not be provided. Even with a signed waiver form from the client confirming their consent, this may not be sufficient protection for you in the event of a claim.
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