All the essential protection you need...
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Usually a legal requirement if you have employees, apprentices, or work experience students.
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
See and search through the full list of services you can get covered for, it’s growing every day!
See what other interesting sectors we work with.
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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.
Speak directly with one of our team during working hours, or email if more convenient. We're here to help!
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Established since 2003
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Professionals in the parent and child sector play a crucial role in nurturing families, from pregnancy and maternal care to childcare and parenting support. Whether you offer baby yoga classes, parenting workshops, or child play therapy, your work supports healthy development and family well-being. Westminster offers insurance solutions designed to meet the unique needs of this sector, providing robust protection that grows with your practice. Our policies are easily updated to reflect your expanding services, ensuring you can continue to support families with confidence.
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.
Antenatal and Postnatal classes (or Childbirth Education classes) take place either in a group or individual setting. Classes and new parent support talks consist of sharing information about pre and pro childbirth related topics, such as nutrition, positions for labour, new-born care, frameworks for effective decision making, mental wellbeing and self-care techniques etc. Classes take the form of a mixture of group activities and traditional teaching methods. No medical advice is given or implied- the courses are informative in nature and the onus is placed on clients to make their own informed decisions.
Aqua natal exercise with the use of prescribed exercises for healthy pre and postnatal women. May include the use of small equipment such as noodles floats and introduce circuit style formats.
Aqua Sensory Infant/Child Therapy incorporates baby massage, baby yoga and sensory movement and play techniques. It provides a supporting experience to parents/caregivers and a deeper sensory water connection for babies and children. The class may include the use of a range of instruments, equipment, and resources. It is designed to teach and instruct massage techniques, yoga-based exercises and to stimulate the aqua sensory senses. The infants and children may spend time with their parents and with the instructor doing directed activities.
Conditions:
The teaching of and instruction in Baby Massage for parents in groups as well as individually dealing with the massage of babies safely.
The Sanskrit word yoga is translated as 'union' between mind, body and spirit. In the West, the most widely taught form of yoga is Hatha Yoga with classes offering students exercises to stretch and flex the body, develop breath awareness, relaxation and sometimes meditation. Baby Yoga is specifically adapted for mothers to practice with their babies.
This is similar to Baby massage in that a group of mums are taught how to give very simple reflexology to their babies, by qualified reflexologists.
Breastfeeding Counselling/Support involves an individual trained in all aspects of breastfeeding and counselling based support, which is delivered either on an individual or group basis, both pre-birth and post-birth. The role is to provide information to mothers so that they can make informed decisions about their feeding journey, as well as teaching breastfeeding skills. No medical advice is given or implied. The onus is placed on clients to make their own informed decisions.
To work in specific housing estates to facilitate the formation of residents associations, organise community events for families and children in the estates, link residents to other community groups and services.
A Doula is someone that provides non-medical support to a woman and her family during pregnancy, birth and the postnatal period and miscarriage. This covers spending time with a woman and her family during the antenatal stage, supporting a woman in labour, helping with breastfeeding and helping to practically care for the family at home. No medical advice is given or implied- the courses are informative in nature and the onus is placed on clients to make their own informed decisions. A Doula is not a replacement for a midwife, and does not perform clinical tasks.
Hypnobirthing is a complete antenatal education. Birthing classes are intended to help pregnant mothers have the most natural childbirth possible, using easily-learned self hypnosis and breathing techniques.
An independent social worker conducts comprehensive assessments, consultancy and reports for a number of agencies including TUSLA, the Courts and in private proceedings. Insurance is subject to the Insured being trained by a government approved organisation.
IFS posits that the mind is made up of multiple parts and underlying them is a person's core or true Self. Each part has its own perspective, interests, memories, and viewpoint. A core tenet of IFS is that every part has a positive intent, even if its actions are counterproductive and/or cause dysfunction. The IFS method promotes internal connection and harmony to bring the mind back into balance. IFS therapy can help with general life stressors like grief, relationship, and career issues, and improve resilience and self-esteem. Though it is non-pathologizing (does not reduce a client to their diagnosis), it may treat several mental health issues and conditions.
Maternity Reflexology can be of great support to the client whilst their body is going through so many changes it can help them remain relaxed and balanced, as well as helping to relieve some of the common symptoms of pregnancy. It helps reduce fear and anxiety.
Babies and Children may be present but are the sole responsibility of their parent / care giver at all times. The class leader may assist a parent to position their child comfortably in a number of traditional holds. Parenting classes take place either in a group or individual setting. Classes consist of sharing information about parenting topics, including but not limited to: attachment parenting techniques; research on infant development; babywearing techniques, use of baby carrying/carriers, communicating effectively with babies, toddlers and children; factoring evolutionary history into parenting expectations; ways to strengthen a bond with a baby, toddler or child; establishing a good relationships with your children; differences in traditional parenting cultures around the world; childhood sleep habits; potty training. Classes take the form of a mixture of group activities and traditional teaching methods. No medical advice is given or implied - the courses are informative in nature and the onus is placed on clients to make their own informed decisions.
Party planning/consultancy and organizing includes planning and organizing parties as well as other promotional activities, helping to set up and arrange dcor and equipment, setting up themes and/or style of the venue. Includes choosing locations, hiring caterers (excluding the provision of catering services), coordinating with other vendors such as entertainment and florists, and providing entertaining activities as part of the party. This would typically include but is not limited to birthday parties, wedding corners for children, christenings, sleepover Teepees, balloon garlands, anniversaries, pamper parties etc.
A therapy used primarily for children and young adultsaged between the ages of 4 to18 years old. It is a way for the client to be able to communicate his or her feelings regarding any abuse or trauma that he/she may have suffered. It is based very much on the child client being in control of the sessions and the therapist being alongside the client, reflecting back the client's feelings, in order for the client to be able to make sense of and come to terms with his or her past experiences. If the client is a minor sessionwould only commence after written consent from the parents/legal guardian and wherethe minoris happy to engage.
It is a service that includes activities such as grooming, pampering and decorating the ponies with bows, coloured hair clips, bands for the mane and tail, glittering hooves. The parties may include arts and crafts sessions such as but not limited to creating decorations for the ponies, horseshoe crafts etc. Animals are assessed prior to their participation in the assisted therapy to ensure their suitability, behaviour and temperament. The ponies are to be supervised at all times by a qualified and experienced staff member.
Pre- and post-natal exercises are specialized exercise routines designed to support women during and after pregnancy based on Yoga, Pilates and fitness principles.
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.
Consultation, advice and training on the management of inappropriate behaviour in relationships in particular where relationships have, or are about to, break down. Such consultation, advice and training may be appropriate for, but is not limited to, parents and their teenage children, the staff of educational establishments and students or pupils in their charge, and romantic/couple relationships etc. The outcomes sought are a change in behavioural patterns and this often involve a change of thinking on the part of both parties.
Reproductive Reflexology can be used as a stand-alone treatment to enhance the clients natural fertility or with all forms of assisted conception including Clomid, IUI, IVF and ICSI. Reproductive Reflexologists are specially trained, using structured and prescriptive treatment protocols, to support couples through all phases of their assisted conception programme.
Respite care and tuition for children and young people with special educational needs (S.E.N.). Supporting children from birth to 25 years of age, to access leisure activities in the community, providing personal care, development of emotional literacy, functional life skills, administration of medications (strictly in accordance with prescription only), providing the family with respite from their care duties, support after surgery, etc. Specialising in child-centred care which involves developing strong trusting relationships with children and young people, forming healthy attachments which facilitate the children's capacity to learn and improve their mental health.
Sensory Movement, Play and Learning(also known as Messy Play) is a class for babies, children and young adults. The class may include the use of a range of instruments, equipment, and resources (some of which may be battery operated light-up equipment) to stimulate all the senses: touch, smell, taste, movement, balance, sight and hearing. The infants and children can be encouraged to explore, investigate, listen, create,sing,read,dance, and play (physical, social, construction, fantasy/imagination, cognitive and learning, and/or games with rules) which leads to the child's ability to complete more complex learning tasks (eg foreign language learning). The infants and children may spend time with their parents and with the instructor doing directed activities.
A therapy, generally for children and young people, aimed at improving communications skills that are characterised by speech disorders such as autism and disfluency.
Guiding children and adults through a story, dance and movement and art for inner journeying, growth and development.
Storytelling is the social and cultural activity of sharing stories, sometimes with improvisation, theatrics or embellishment. Every culture has its own stories or narratives, which are shared as a means of entertainment, education, cultural preservation, instilling moral values or it may be used for therapeutic purposes.
Supervised visitation allows a parent to visit with their child under the supervision of another individual, such as a family member or a social worker. The visit may take place at the parents home or in a designated visitation facility. Judges typically order supervised visitation when the visiting parents fitness is in question or if there have been allegations of abuse or domestic violence. The purpose of supervised visitation is to ensure that parents have an opportunity to maintain contact with their children in a structured environment that is both safe and comfortable for the child. The supervising individual observes and supervises the contact between the child and non-resident parent to ensure the safety of those involved.
Tatty Bumpkin classes are are for children aged between approximately 2 yrs - 5 yrs and are inspired by yoga moves. Based around the amazing Tatty Bumpkin bendy doll, the doll is the secret weapon in engaging children, parents and teachers alike. Includes a mixture of stories, physical moves, music and interactive play.
The Tongue Tie Assessor checks an infants tongue function using industry recognised assessment tools to determine the presence of a tongue-tie that could impact feeding and other issues. It a tongue-tie is likely a referral will be made to a tongue-tie practitioner who may perform a frenulotomy.
Approved Practitioners:
The lingual frenulum (a membrane which extends from the under surface of the tongue into the floor of the mouth) may be short, tight and attached close to the tip of the tongue and/or on the gum and cause restrictions in tongue movement and function, effecting feeding and speech. The practitioner is able to identify ankyloglossia (tongue-tie) through evidence-informed assessment, as well as safely and successfully perform a frenotomy. The procedure involves snipping the frenulum (tongue-tie) using a pair of single-use, sterile, curved, blunt-tipped scissors. The wound has gauze placed on it and bleeding is usually very light and stops when the baby feeds.
Assessment of client posture and teaching a specific posture model to clients. Appropriate exercise programs which will develop the client's ability to support her pelvic organs more effectively. Providing advice to the client on choosing clothing style to allow freedom of movement in the belly area. Providing advice to the client on choice of seating, and how to use available seating and furniture without compromising pelvic organ support.
Yoga inspired stretches to work with babies and toddlers and young children. A natural range of movement to resistance, never forced, in order to gain various health and milestone benefits such as good digestion, co-ordination, balance, confidence, flexibility etc. Also aided sensory play with different fabrics, parachute, space blanket, puppets, balls etc. as well as Educational Learning such as counting, languages, colours, days etc. All stretches are explained and then put to either song or music. Movement of limbs to song and music performed either independently or when required by an adult which is either their parent, nursery nurse or baby yoga teacher. Visual, tactile and auditory sensory items used in various ways but all with close adult supervision. Most activity is performed to song or music.
YogaBellies for Women is an authentic yoga practice for women during every stage of life including menstruation, menopause, pregnancy and post-partum with baby.
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.
The parent and child sector involves a high level of care and responsibility, making it essential to be prepared for potential risks. Working with infants, children, and parents means that accidents can happen, such as injuries during activities or sessions. Miscommunication or misinterpretation of advice can lead to claims of negligence if a parent believes your guidance resulted in negative outcomes for their child. The sensitive nature of this work also means there is a risk of false allegations of misconduct, which can damage your reputation and lead to legal battles. Additionally, unforeseen health complications or property damage during your services can result in significant financial liabilities. Comprehensive insurance coverage ensures that you are protected against these varied risks, allowing you to focus on providing essential care and support to families.
Having the correct level of experience or qualifications necessary to offer a service is...
Parents receive incorrect information during childbirth classes, leading to complications during delivery. They seek damages for any resulting harm or medical issues.
A teenager is injured at an activity centre due to faulty equipment. The parents file a claim for medical expenses and emotional stress.
A healthcare provider fails to recognize and adequately treat postpartum depression, leading to severe emotional distress for the mother. The mother makes a claim for negligence and emotional suffering.
A parent is injured during a physical activity in a parenting class. The parent makes a claim for medical expenses and lost wages.
A parent claims that poor advice given during a parenting class led to harmful outcomes for their child, such as nutritional deficiencies or behavioural issues. The parent seeks compensation for the resulting damages.
A child is injured during a play therapy session due to unsafe equipment or lack of supervision. The parents make a claim for medical expenses and emotional distress.
A child experiences emotional harm due to inappropriate or insensitive therapeutic techniques used during play therapy. The parents seek compensation for the emotional impact on their child.
Parents believe their child is not making adequate progress in play therapy and claim the therapist is not meeting professional standards. They demand compensation for the costs of alternative treatment.
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Manage and Update your policy easily as you grow
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Get your quote and insurance document - within minutes.
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
HAIRDRESSER
I have found Westminster Insurance, I would not dream of using any other company. After reading the small print their policy is second to none.
BEAUTY THERAPIST
By far the easiest and friendliest insurance company that I have dealt with in 15 years of owning my beauty therapy business.
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.
Get a Quote Now
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.
There are 631 definitions here. Please use the search functions below to find what you are looking for. If you require help please call.
Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.
