Physical Health
& Fitness Insurance
Physical Health
& Fitness Insurance
Tailored protection in less than 5 minutes, from just £7.49
- Public Liability
- Professional Indemnity
- Medical Malpractice
- Products Liability
Established since 2003
Recommended by training, accreditation and membership bodies.
Insurance for Health & Fitness Businesses
In the health and fitness industry, you motivate others towards their wellness goals. Westminster crafts insurance for personal trainers, gym owners, physios and fitness instructors, covering equipment to injury claims. Our support lets you focus on inspiring fitness journeys, backed by solid protection, with policies easily updated anytime to keep you protected as you grow.
Practices we cover in this sector
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.
3D Body Scanning (T2)
3D Body Scanning is the action of capturing in 3D the human body using a 3D body scanner. It can capture a whole human body, or only specific parts, to generate a very detailed 3D model within a few seconds. These scanners show body composition, weight, measurements, fat percentage in the body, posture measurements etc. No health recommendations are given by the operator.
Conditions:
- The scanners are not suitable for pregnant women or individuals with cardio products such as pacemakers. The minimum age is 18.
Acupressure
Acupressure uses the fingers to press key accupressure points on the surface of the skin to release muscular tension, promote circulation of blood and stimulate the body's natural self-curative abilities. Acupuncture and acupressure use the same points and meridians, but acupuncture employs needles, while acupressure uses gentle but firm pressure and integrates bodywork therapies, therapeutic touch, somatic work, healing imagery, energy psychology, and massage therapy techniques.
Alexander Technique
The Alexander Technique is a method that works to change everyday movement habits : sitting, lying down, standing, walking, lifting and other daily activities. It is a simple and practical method for improving ease and freedom of movement, finding new balance, support and coordination and releasing unnecessary tension. The technique teaches the use of the appropriate amount of effort for a particular activity, giving the client more energy for all their activities. It is not a series of treatments or exercises, but rather a reeducation of the mind and body.
Allergy Testing
An allergy is a condition in which an immune system regards an ordinary, harmless substance such as a food, pollen or dust, as a dangerous invader, and responds to it by producing its own antibodies to attack the substance. Symptoms can be an instant reaction or the development of an intolerance caused by repeated exposure to the cause. Allergy Testing is an attempt to identify the root cause of an allergy or intolerance.
Conditions:
- There must be no breaking of the skin involved in the testing process.
Allergy Therapy
An allergy is a condition in which an immune system regards an ordinary, harmless substance such as a food, pollen or dust, as a dangerous invader, and responds to it by producing its own antibodies to attack the substance.
This is when people suffer from one or more unpleasant symptoms. An allergy normally causes an instant reaction, such as in the case of a peanut allergy. However, with an intolerance, the culprit, such as milk or wheat, is usually eaten every day.
Therefore the symptoms, caused by the intolerance, never improve, and it is difficult to find the underlying cause.Medication may help to treat the symptoms, but not the root cause. If the symptoms don't clear up after a reasonable amount of time, then the root cause could be an intolerance.
Animal Yoga (T2)
Animal Yoga is the activity of incorporating animals with the regular yoga practice. It combines standard physical poses, postures, breathing exercises, and meditation with animal interaction or just animal presence to improve overall health. Popular animals included in such sessions are goats, alpacas, lamas, dogs, cats etc.
Conditions:
- Excluding horses, livestock, wild animals, cattle.
Antenatal and Postnatal classes
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 Pre and Post-natal Exercises
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 (T2)
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 parents/caregivers must provide prior written consent and always remain present and responsible for the well-being of the child. Excludes sessions in swimming pools for under 2 year olds.
Aqua Therapy (T2)
Aqua therapy, also known as hydrotherapy, provides a gentle and supportive environment which has been recognized for its benefits in both mental and physical health. Can take place in pools, whirlpools, whirlpool spas, hot tubs, and physiotherapy tanks. Equipment includes swim bars and belts, kick rollers, float systems, ankle cuffs, rafts, mats. Where appropriate, this can be combined with the delivery of other therapies covered on the insureds policy.
Conditions:
- Robust Health & Safety and wet floor exposure protocols must be in place
- Professional staff must be present at all times.
Ashiatsu Massage
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.
Assisted Stretching
Assisted stretching is a type of stretching that involves a trainer/therapist helping to guide your body into a deeper stretch than you might be able to achieve on your own. Using techniques such as PNF, and static and dynamic stretching, assisted stretching helps to Improve flexibility, range of motion, and performance, reduce muscle soreness and stiffness, improve circulation, and reduce the risk of injury during physical activity.
Audiology
Testing hearing, fitting hearing aids and repairing of aids.
Auricular Acupuncture
Auricular Acupuncture is the art of inserting needles and/or studs (indwelling needles that remain on the client for few days and fall out by themselves) into acupuncture points on the outer ear. These points correspond to all areas of our body. This gentle stimulation creates a specific response, aids our natural healing mechanism and helps us to rebalance. By sending the right signals to different areas of our body, it promotes natural self-healing.
Auriculo Therapy
Auriculo therapy utilises electro-pulse stimuli of specific points of the ear.
It is non-invasive and completely painless. An important feature of this treatment system is that the intensity and duration of the treatment is customised for each client based on factors such as age, gender, quantity and brand of cigarettes smoked and number of years of smoking.
Ayurveda Medicine (T2)
Ayurveda Medicine is an ancient Indian medical system which aims to promote good health rather than fight disease but can be geared toward specific health problems. Its natural holistic approach uses diet, herbal medicines (mainly from plants but may include herbs, animals, minerals and metals), exercise, meditation, breathing, physical therapy, and other methods. Ayurveda focuses on the imbalances of the dosha Vata, Pitta and Kapha and curates medicine that helps balance these doshas. Its believed that health issues can develop due to an imbalance of the doshas. The goal is to cleanse the body and restore balance of in body, mind and spirit. The practitioners take into account the unique physical and emotional makeup, the primary life force, and the balance between all three doshas.
Conditions:
- Pregnant/nursing woman and children only to be treated with Doctors consent. This is for holistic purposes only and is not to replace traditional methods of medicine/medical assistance from qualified medical practitioners. Excludes diagnosing or treatment of medical ailments, and prescribing.
Ayurvedic Yoga Massage
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.
B12 and Vitamin infusion (T3)
Using B12 vitamin or other vitamin cocktails via IV or IM injection.
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dentist
- HCA
- Phlebotomist
- or equivalent to any of the above
Baby Yoga
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.
Baby/Infant Reflex
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.
Bates Method of Vision Improvement
Teaching people how to improve their eyesight without lenses or surgery.
Bates Method practitioners do not diagnose and treat disease, nor prescribe spectacles. The method is educational in nature: no guarantee of any particular degree of improvement can or will be given and all teachers accept pupils on that understanding. A Bates Method teacher must have successfully completed The Course offered by College of Vision Education or equivalent training and accreditation.
Conditions:
- Cover does not extend to include degenerative eye condition treatment work.
Bellydance Tribal Fusion Style
Tribal Fusion Belly Dance is a modern form of belly dance which was created by fusing American Tribal Style belly dance and American Cabaret belly dance. Artists frequently incorporate elements from Popping, Hip Hop, 'Egyptian' or 'Cabaret' belly dance, as well as movement principles from traditional forms such as Flamenco, Kathak, Odissi, and other folkloric and classical dance styles.
Bio Energetic Testing
Bio-energetic testing measures the energetic integrity, impulses or fluctuations of body systems, glands, organs, intestinal flora imbalance, food intolerance/allergy etc. It provides analysis and evaluation of the energetic balance and health and determines the imbalances in the body. The process involves patients holding electrode and/or electrodes being placed on the skin. The energy wavelengths and/or electromagnetic conductivity coming from the body is measured and read by a machine.
Conditions:
- The Insured must have sufficient, relevant industry standard training and qualifications.
Bio-Magnetic Therapy
Bio-magnetic therapy is simple and natural. Magnets placed on the body increase blood flow in a specific area, much as exercising does; indeed often giving a similar feeling of euphoria.
Not only does the modern environment shield us from much of the natural geomagnetic field around the earth but research shows that over the last century it has actually declined by 5 percent, yet it is fundamental for our health and well being. Magnet therapy helps redress the balance.
Biofeedback
Biofeedback operates on the notion that we have the innate ability and potential to influence the automatic functions of our bodies through the exertion of will and mind. Biofeedback has recently been shown to give us what had previously seemed an impossible degree of control over a variety of physiologic events. Biofeedback can also be used to train persons to block the pain of colitis, neuritis, and other conditions. Many of these techniques have been scientifically proven. Using a special machine and sensors to record muscle contractions and skin temperature, you can learn to control normally involuntary processes such as heart rate and blood pressure that increase under stress. The machine "feeds back" the efforts and eventually you can recognize and control facets of the stress response by yourself.
Body Conditioning / Swiss Ball
A swiss ball is an exercise ball constructed of elastic soft PVC with a diameter of approximately 35 to 85 centimeters (14 to 34 inches) and filled with air.
Conditions:
- Cover is provided for body conditioning exercises performed on the ball.
Body Slimming Wrap/Scrub
Application of gels and a "wrapping" method using bandages to aid in fluid reduction, assisting the reduction of cellulite, inch loss and improvement in circulation. Application of body scrubs or brushing following with body oils for moisturising/ cellulite reduction/relaxation using massage techniques.
Breath Therapy
Breath Therapy is a personal development tool a key ingredient in physical, emotional and mental health. Breath Therapy uses a variety of circular and conscious connected breathing techniques and process exercises to bring physical and emotional stress to the surface for release and integration. This clearing of blocked energy, negative beliefs and outworn habit patterns, unifies and integrates the body, mind, and spirit.
Buteyko Breathing
Buteyko (pronounced Bu-tay-ko) is a treatment for those with asthma and other breathing disorders. It was developed in Russia in the 1950's by a Russian doctor called Konstantin Buteyko, from whom the technique gets its name.
Conditions:
- This must not involve diagnosis or any guarantee of results.
Certified Nutritionist
Providing nutrition consultancy, advice and support to improve/maintain health, body composition and or sports performance. Assessing clients food and nutrient intake through dietary analysis, addressing their health and fitness goals and subsequently designing personalised nutrition interventions, including meal plans, education processes and where necessary recommending safe and efficacious natural supplements. Through appropriate dietary counselling and behaviour change techniques, as well as holistic advice on exercise and sleep, a Certified Nutritionist will help clients implement agreed positive changes into a varied and healthy lifestyle.
Coverage excludes:
- the recommendation of Very Low-Calorie Diets
- the supply or recommendation of any appetite suppressants, metabolic aids or diet pills however in respect of any supplements falling outside of those, the following exclusions/writebacks apply
1. the supply of any dietary or nutritional supplements or other related products, unless they have been sourced from local third party suppliers and whom against you, have a legal right of recourse;
2. the failure of any dietary or nutritional supplements or other related products to fulfil the purpose for which it was designed, or to perform as specified, warranted or guaranteed.
Chi Kung/Qigong
Chi Kung/Qigong is a system of coordinated body-posture and movement, breathing, and meditation said to be useful for the purposes of health, spirituality, and martial arts training.] With roots in Chinese medicine, philosophy, and martial arts, qigong is traditionally viewed as a practice to cultivate and balance the mythical life-force qi. Chi Kung/Qigong practice typically involves moving meditation, coordinating slow-flowing movement, deep rhythmic breathing, and a calm meditative state of mind. People practice qigong for recreation, exercise, relaxation, preventive medicine, self-healing, alternative medicine, meditation, self-cultivation, and training for martial arts.
Cold Water Therapy / Cold Hydrotherapy (T2)
Cold water therapy is the practice of using cold water exposure, either by swimming or taking cold showers or baths to treat health conditions or stimulate health benefits. Its also known as cold hydrotherapy. This therapy may also incorporate breathing and meditation techniques to achieve multiple benefits such as increased energy, better sleep, reduced stress levels, heightened focus and determination, increased willpower, stronger immune system etc.
Conditions:
- Robust Health & Safety and wet floor exposure protocols must be in place
- Subject to the insured having robust protocols in place to ensure correct temperature settings at all times, clients are monitored in terms of how long they have the treatment for.
Community First Responder / Emergency Care Assistant (T2)
CFR/ECA may provide pre-hospital emergency care or first aid at public events, in the workplace, as a secondary part of their job role and alongside emergency staff professionals. Includes management of patient's airways, bleeding, fractures, medical emergencies, limited to the competencies of the Practitioner's qualification.
Approved Practitioners:
- Practitioner must hold a Nationally Recognised Qualification at PHEM Competency/Skills Framework Level C which must be no more than 3 years old. (eg FREC Level 3, FPOS Level 3)
Cooking Demonstrations
Cooking Demonstrations/classes aim to provide hands-on experience in specific areas related to food preparation and presentation. It may cover various types of cuisine and/or an overview of healthy eating, non-clinical nutrition & dietetic advice. Clients may also engage in the cooking and a tasting session of what is cooked.
Cupping
Cupping is a method by which suction is created on the body to relax and detox the body and in some cases add heat. Traditionally, a flame is used to create suction in fire cupping using glass cups, ceramic or bamboo cups. More modern non fire options include screw cups, pump cups and silicon cups.
Dance Movement Therapy
Dance Movement Therapy is the psychotherapeutic use of movement and dance through which a person can engage creatively in a process to further their emotional, cognitive, physical and social integration. It is founded on the principle that movement reflects an individual's patterns of thinking and feeling. Through acknowledging and supporting clients' movements the therapist encourages development and integration of new adaptive movement patterns together with the emotional experiences that accompany such changes. Dance Movement Therapy is practised as both individual and group therapy in health, education and social service settings and in private practice.
Dance Teaching/Tuition
Teaching people, and acting as a tutor, in both group sessions and one to one in all different areas of dance including: Ballet, Ballroom, Hip Hop & Contempory etc. Covering the stretches, movements and timings.
Dance Therapy
The theory underlying dance therapy is that body movement reflects the inner state of the human, and that by moving the body within a guided therapeutic setting, a healing process begins. Emerging inner conflicts and issues from the unconscious to the consciousness of the person are addressed on all levels - physically, emotionally, mentally and spiritually. Seeking the full integration of mind and body, and bringing harmony between all the aforementioned levels of the human being is what dance therapy is all about.
Daoyin Tao
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.
Deep Tissue Massage
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.
Detox Therapist
This is a consultation treatment, rather than a manual treatment, where a client completes 5 questionnaires in relation to their exposure to heavy metals, chemicals, gastrointestinal health, liver health and fungal levels, and depending on their level of toxicity in each area a detox plan is provided. This is entirely diet based, foods rich in nutrients to help cleanse the body and remove toxins. Food journals are kept to track improvements etc. It is purely based on nutrients from vegetables, fruit pulses etc no added tablets or manufactured additions.
Conditions:
- Subject to no Very Low Calorie Diets (as per Dieticians and Nutritionists).
Dietary Cooking
Advising on and helping to make baked goods with emphasis on baking for people with food allergies/sensitivities.
Dietary Supplements Advisor
Assess a client's general health and design a personalised supplement plan. Educate and appraise your client. Provide guidelines for safe intake. Inform about bad combinations and contraindications. Check on the intake of supplements through questions and client journals. Encourage your client to follow a balanced diet and a healthier lifestyle. Work with your client to implement strategies for new healthy habits to stick. Follow up on health improvements. Adjust a supplementary plan where necessary.
Conditions:
- Insurers will not be liable for any liability caused by or arising from (a)the failure to provide or administer any medical or other treatment or any breach of professional duty by or on behalf of the INSURED (b)the making up dispensing sale or supply or the provision or administering of any medical or other treatment including drugs or medical preparations (c)any medical or clinical diagnosis consultation check-up investigation assessment test or analysis (d)the use of X-rays or general anaesthetic or the giving of any injection or inoculation or any operation performed.This Endorsement applies to the Public and Products Liability Insurance Section only
Dietitian (T3)
Dietitians are health care professionals who are trained to provide advice and counselling about diet, food and nutrition. They use the best available evidence coupled with good judgment about the client's or communities unique values and circumstances to determine guidance and recommendations.
Conditions:
- Subject to no Very Low Calorie Diets (VLCD, less than 800 calories a day) unless in conjunction with family GP/doctor with continuous monitoring upheld. Full qualifications obtained.
Drama Therapy
Drama Therapy is a health and human services profession that seeks to facilitate physical integration and personal growth for individuals, couples, families and various groups through the use of theatrical and dramatic processes. Drama Therapists work in a wide variety of settings including hospitals, schools, mental centres, prisons, and businesses.
Drama/movement Workshop Leader
Leading drama and movement workshops for adults and children.
Electrical Muscle Stimulation (EMS)
Electrical Muscle Stimulation (EMS), also known as neuromuscular electrical stimulation (NMES) or electromyostimulation, is the stimulation of muscle contraction using electric impulses. Electric stimulation works by attaching electrodes to the skin and using the control unit to transmit currents to targeted muscle groups. EMS essentially stimulates the nerves and induces muscle contractions, mimicking the way the muscles naturally contract. Electric muscle stimulation (EMS) has many benefits including but not limited to: building muscle strength, accelerating recovery from injury, improving sporting performance, relieving cramps, retaining muscles, enhancing range of motion, improving cosmetic muscle tone, increasing aerobic capacity, helping with weight management, promoting tissue healing, preserving muscle mass, etc.
Conditions:
- Excludes use around the eye area and treatment to professional sports people.
Emmett Technique
Emmett Technique is a gentle muscle-release therapy. The treatment consists of applying gentle pressure to activation points in the muscles: this could be a hold, flick or switch across the tissue. It is most often performed over clothing and can be applied alongside any other bodywork therapy to enhance the results. Practitioners seek to ease pain and discomfort, and most clients will notice the difference in pain levels or range of movement before leaving the therapist.
Far-Infrared Detoxification
The Detox station/blanket works on the body using Far-infrared (FIR) rays to penetrate deeper and heat the body directly from the inside. Some of the health and beauty benefits attributed to this therapy are weight loss, detoxification, pain relief, stress reduction, improved circulation, rejuvenated skin etc.
Fat Dissolving (T5)
Includes the use of but not limited to Desoface/Desobody, Aqualyx, Sunekos and Lipo-lax provided that the product is CE or FDA approved. Fat dissolving injection treatment that reduces fat cells in the treated area. It is used to treat small, exercise resistant, pockets of fat and for body contouring,
Conditions:
- Needlestick Injury Policy must be in place
- Subject to a £250 excess
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
- Phlebotomist
First Aid at Work Training
Training First Aid at Work according to the HSE guidelines.
Approved Practitioners:
- Subject to the trainer being approved by the HSE to undertake First Aid Training. This is a recognised qualification.
First Aid in the Workplace (T2)
The provision of first aid in the workplace, provided that the practitioner has done training appropriate to the level identified in the workplace needs assessment. This may be: First Aid at Work (FAW), Emergency First Aid at Work (EFAW), or other first-aid training appropriate to the particular circumstances of your workplace.
Conditions:
- Includes blended but not purely online training. Any training material utilised in the training has correct licenses if obtained from a third party.
Approved Practitioners:
- The Trainers training must have been completed no more than 3 years ago.
First Aid Response (T3)
Training First Aid at Work according to the HSE guidelines.
Approved Practitioners:
- Subject to the trainer being approved by the HSE to undertake First Aid Training. This is a recognised qualification. Subject to a £500 excess
First Aid Training
First Aid classes for adults and young people. They teach people basic first aid skills in an age appropriate, engaging and fun way. No qualification of First Aider is given to the participant.
Approved Practitioners:
- First Aid Instructors are all qualified first aiders themselves in line with Emergency First Aid at Work Guidelines set out but the HSE or Paediatric First Aiders as per OFSTED Guidelines.
First Aider
The management of an unconscious, bleeding or arrested patient.
Approved Practitioners:
- Practitioner must hold a First Aider Certificate at PHEM Competency Framework Level A which must be no more than 3 years old.
Fitness Instruction
Acting as a fitness instructor either on a one to one basis or with a group. Involves engaging clients in exercise routines and weight loss programs, and helping them to reach their individual goals. May include guidance on the best equipment to use and recommendations on the best workout routines.
Floatation Tank Therapy
Floating is "a method of attaining the deepest rest that humankind has ever experienced." Lie suspended in a warm solution of Epsom salt only 25cm deep. The salt solution in a floation tank or floatroom is so dense that you float effortlessly. Gentle music helps you to relax. In short, "It's complete mental and physical relaxation"
Food and Wellness Coaching
Coaches, focusing on physical activity and healthy eating principles for optimal health outcomes. Combining theory from Coaching Psychology, Behaviour Change and Positive Psychology, coaches can assist clients in overcoming resistance to change by using a step by step, structured approach. Wellness Coaches support clients in working out what they want, why they want it, whats stopping them and only then together create a plan for action. Through this supportive relationship, Wellness Coaches empower their clients with a focus on facilitation, rather than prescription. The client then takes responsibility and feels more confident as they experience small successes and ultimately achieve more significant change than they would on their own.
Foot Health Practitioner
The Foot Health Practitioner undertakes the routine work necessary to maintain the health of the foot which may include, but is not limited to: nail trimming & correction, reduction of thickened nails using drills and nippers, skin conditions and their treatment, heel pain, corns, callus, verrucae, cryotherapy, blisters, nail reconstruction, treatment of cracked heels, athletes foot, management of ingrowing toenails (without invasive surgery), diabetic foot assessment and monitoring, treatment of fungal nail infections, and general advice and guidance on foot care and footwear.
Approved Practitioners:
- A condition of cover is that the work carried out by the practitioner does not exceed the scope of practice of the qualification held by the practitioner, and that customers with Diabetes are not treated unless the practitioner also has the experience and additional qualifications in dealing with clients of this nature.
FPOS / Pre-Hospital Provider / ECFR (T2)
Non health care professional may provide pre-hospital emergency care or first aid at public events, in the workplace, as a secondary part of their job role and alongside emergency staff professionals. Includes minimising risk of infection, scene management, safe handling of the patient, oxygen delivery, airway/ bleeding/ shock/exposure management, basic life support, and recognition and initial care of illness or injury, limited to the competencies/skills of the Practitioner's qualification.
Approved Practitioners:
- Practitioner must hold a Nationally Recognised Qualification at PHEM Competency/Skills Framework Level D which must be no more than 3 years old. (eg FPOS Level 4)
Frequency Therapy - Health
Frequency therapy uses frequency technology that may range from low frequency to terahertz frequencies to promote and stimulate the bodys own healing response. Frequency devices are used to bring back balance into the body by vibrating at the same rate as the healthy cells in the body which leads to relaxing and rejuvenating feelings. Some of the benefits of this therapy include (but are not limited to) pain and tension relief, wound and scar healing, reduced inflammation in tissues, increases blood circulation etc. Frequency Therapy can be used on humans, animals and plants.
Guasha (T2)
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. .
Conditions:
- Robust Health & Safety protocols must be in place
- Sanitisation and infection control protocols must be in place
Hayfever Treatment (T4)
A Kenalog injection does not cure hay fever but temporarily reduces the symptoms and most people experience relief for an entire season.
Conditions:
- Prescriber or GP referral required if insured does not have Prescribing rights.
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
- Phlebotomist
Healing InSight
Healing InSight is a new system which guides a person into a better feeling state. The method actively directs them to their personal priority belief statements and facilitates their vibrational realignment. This enabling of belief change through various energy healing and energy psychology principles can positively transform their beliefs and their life.
Health & Lifestyle Training
Poor health and lifestyle are major contributors to serious illness and premature death. The government identified the need for Health and Lifestyle Trainers, trained individuals who can work in communities to educate and support positive change. This course follows the Department of Health guidelines and covers the study areas required for working as a private Trainer or to demonstrate competence with a view to entering the NHS arena. The course will teach how to follow National Occupational Standards to ensure good practice, helping people make better choices and facilitate positive change through appropriately designed training.
Health and Wellness Coaching
Coaching individuals or groups to assist them in achieving their personal health goals. This could be losing weight, gaining more energy, dealing with IBS, menopause or fertility issues, helping with the recovery from an illness, pain management coaching etc.
Health Assessments (T2)
Carrying out an assessment of the overall health of a person via non-invasive methods, which include: measuring heart beat, blood pressure, O2 levels, temperature, weight, height and body size, checking eye health and may include taking a blood sample for sugar level/cholesterol checks. Include general guidance on healthy living and signposting to health professionals but excludes medical diagnosis and prescription.
Health Kinesology
Health Kinesiology uses gentle muscle testing combined with questioning and monitoring to gather genuine energy information from the body. It employs a variety of balancing methods to help alleviate imbalances and make significant life changes: magnets, flower essences, aromatherapy oils, self-touch, body positions, thoughts and memories that mirror the traumas at the heart of the clients mental, emotional and physical stresses. Health Kinesiology is a complementary practice that aims to balance the whole energy system and, in doing so, facilitate a self-healing process
Hearing Coaching
Hearing coaching is a model of coaching that is being developed to support deaf and hard of hearing people. The model is being developed and endorsed with input from a leading acquired deafness charity, ENT surgeons, GP and experts in the coaching field.
Hearing Therapy
A Hearing Therapist's role is to provide a comprehensive rehabilitation service for adults who have hearing difficulties and/or associated disorders.
Heat Therapy (T3)
Heat therapy, also known as thermotherapy, is the use of heat in treatment. Applying heat to an area increases the blood flow, bringing along proteins and oxygen. This therapy method is great for decreasing joint stiffness, reducing pain and inflammation, and relieving muscle spasms. Heating of superficial tissues can be achieved using hot packs, towels, sunlight, heat wraps.
Hellerwork
Hellerwork is a powerful system of somatic education and structural bodywork, based on the inseparability of body, mind, and spirit. Deep tissue bodywork combined with movement education and dialogue of the mind/body connection guides the client to new options, both physically and emotionally. Hellerwork encourages the client to make the connection between movement and body alignment. Hellerwork restores the body's natural balance from the inside out.
High Intensity Focused Ultrasound (T2)
HIFU is an ultrasonic focusing technique that uses a non-invasive direct focus on the muscle layers to help the body heal and can have rejuvenating effects on muscle elasticity, aid skin tightening and help blood pressure.
Approved Practitioners:
- NVQ 2 Beauty Therapist (equivalent or above)
- Must have completed a specific High Intensity Focused Ultrasound course.
Hijama Cupping Therapy
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.
Hippotherapy (T3)
Physiotherapy treatment using a horse to facilitate movement in the client. Client can be placed in different positions on a horse supported by a physiotherapist plus 2 assistants and encouraged to perform exercises. The sensory motor feedback from the horse promotes normal movement patterns in the client. Balance reactions are stimulated which helps strengthen the core muscles, improve balance and help restore function.
Holistic Massage
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.
Hormone Injections (T3)
Injecting hormones via intramuscular injections (IM). It provides cover for the act of injecting the prescribed hormones only. The cover excludes any advice, medical assessment, diagnosis, consultation, check-up, test, analysis or prescription, excludes treatment to professional athletes/sports doping as well as gender reassignment-related exposures.
Conditions:
- Subject to a £1,500 excess
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dentist
- HCA
- Phlebotomist
- or equivalent to any of the above
Hot & Cold Stone Massage
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:
- Cover is dependent upon successful completion of a Hot Stone Massage Diploma Course.
Hydrogen Therapy
The therapy involves inhalation of hydrogen mixed with normal air through a ventilator circuit, facemask, nasal cannula or by drinking hydrogen dissolved in water. The therapy is used to improve overall health and wellness, help the body to heal itself, and other benefits due to its anti-oxidant and anti-inflammatory characteristics.
Conditions:
- Subject to the insured having full informed consent procedure in place including explanation of all associated risks with the treatment. Medical history to be assessed prior to treatment.
Hyperbaric Oxygen Therapy (T3)
Breathing oxygen in a hyperbaric oxygen chamber at pressures of up to 1.5 2.00 ATA. By breathing in up to 100% oxygen under pressure the body absorbs more oxygen and circulates it round the body increasing the concentration of Oxygen in cells. This, reduces inflammation, increases white cells, promotes angiogenesis and supports healing.
Conditions:
- Excluding treatment of professional athletes/sports people.
Hyperton-X Kinesiology
Hyperton-X Kinesiology is an effective system for release of tight and restricted muscles and for muscle balance and neurological (brain) integration.
Hyperton-X uses a correction method based on Proprioceptor Neuro-Muscular Facilitation (P.N.F.) stretching. This releases stress which is held in the muscles of the body - which has the effect of improving physical as well as mental performance levels.
Intraoral Massage (T2)
Intraoral massage is the use of massage techniques which involve working on the muscles inside of the mouth. The benefits of the treatment range from improved circulation, smoother facial lines, and increased collagen production, to tension release in the jaw for clenchers, teeth grinders, and most significantly, sufferers from temporomandibular disorders (TMD) and/or temporomandibular joint (TMJ) disorders.
Iridology
Iridology is an alternative medicine practice in which patterns, colors, and other characteristics of the iris are examined for information about a patient's systemic health. Practitioners match their observations to iris charts which divide the iris into zones that correspond to specific parts of the human body. The eye, therefore, acts as a "window" into the body's state of health. Iridology is a practice that is not recognized by mainstream medicine.
Iridologists highlight systems and organs in the body that are healthy and those which are described as overactive, inflamed, or distressed. These may point to a tendency in the patient towards certain illnesses, to reflect past medical problems, or to predict health problems which may be developing.
Since Iridology is not a method of treatment, its practitioners have often studied other branches of alternative medicine, such as naturopathy, and used the study of the iris as a diagnostic first step.
Kalari Foot Massage
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.
Kinesiology
The scientific study of man's movement and the movements of implements or equipment that he might use in exercise, sport or other forms of physical activity.
Kinesiology Taping
Kinesiology Taping is perfect for all types of physical therapists, coaches, first-aiders and even athletes who want to achieve quick, simple, safe effective relief from muscular strains and ligament/joint sprains. Kinesio Taping gives support and stability to your joints and muscles without affecting circulation and range of motion. It is also used for Preventive Maintenance and to treat pain.
Conditions:
- Excludes treating high profile/professional sport people.
Kinetic Chain Release (T2)
Kinetic Chain Release is a simple yet extremely effective system of medically recognised and approved, gentle joint mobilisations and stretches, developed by Scottish Physiotherapist Hugh Gilbert, that brings the body back into physical balance quickly and easily, frequently providing a high degree of relief and even instant resolution in many cases from the pain and discomfort caused by conditions such as Chronic Back Pain, Carpal Tunnel Syndrome, Fibromyalgia, Chronic Fatigue Syndrome, Irritable Bowel Syndrome, Migraines and Headaches.
Kundalini Yoga
Kundalini Yoga, the Yoga of Awareness, consists of simple yogic techniques that can be enjoyed by everyone, no matter age or physical ability. It is a complete science that includes breath (pranayam), yoga postures (asanas), sound, chanting (mantra) and meditation. It is designed to provide you with the experience of your highest consciousness through the raising of your Kundalini.
LaStone Therapy
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.
Live Blood Analysis
A tiny pinprick of blood is put on to a glass slide and then viewed on a computer screen so the practitioner and client can look at the variations in the size, shape, ratio, and fine structure of the red blood cells, white blood cells, platelets, and other blood structures. The insights gained from thelive blood analysis, correlated with other clinical data, enable the analyst to understand his/her clients individual state of health on a much deeper level. This visual demonstration of the condition of a clients cellular health encourages lifestyle change in order to improve the condition of the blood and overall health.
Lymph Drainage Massage
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.
Lymphoedema and Lipoedema Management (T2)
The treatment of people with lymphatic conditions post-surgery, injury, immobility or cancer treatment as well as general lymphatic dysfunction (primary or secondary lymphoedema). Involves essential management skills of compression, movement and drainage (including Fluoroscopy guided manual lymphatic drainage) , skincare, risk reduction and understanding and assisting with technical skills, in addition to a focus on health, wellness, and lifestyle skills.
Magnetic Therapy
Magnetic field therapy uses different kinds of magnets on the body to help boost overall health and treat certain conditions including but not limited to depression, mental and physical health, neurological conditions, insomnia etc. The thought behind magnetic field therapy is that certain problems happen because the body's magnetic fields are out of balance. If a magnetic field is put near the body, it's believed things will go back to normal. Magnets are placed close/on to the body in order to cause bones to heal faster, relieve pain and induce other therapeutic effects.
Manipulative Therapy
Manipulative therapy is massage which is 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.
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
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
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 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).
Conditions:
- Excludes massage practices insured by Westminster Insurance Ltd that are listed separately.
Maternity Reflexology
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.
Metabolic Effect Fitness
A physical training regime consisting of a 30 minute science and rest based workout which incorporates the latest technology in endocrinology, health, fitness, strength and conditioning research.
By changing hormones, rather than simply eating less or exercising more, the body naturally regulates fat burning, appetite, and mood so the body fat stored, often for years, gets released safely and permanently.
Mineral Clay Detox Wrap
Far Infrared (FIR) Mineral Clay Detox Wrap uses clay and far infrared energy to promote detoxification. The focus is on detoxifying properties of clays and far infrared. Far infrared promotes deep sweating, while clay works through absorption and cation exchange, which allows it to absorb toxic waste through the skin. The use of both leads to the removal of excess water and transdermal detox, as well as many other benefits.
Mineral Weight Loss Wrap
Far Infrared (FIR) Mineral Weight Loss Wrap is the use of magnesium salts, clay and far infrared energy to promote weight loss. The focus is on boosting circulation and sweating, which aims to speed up metabolism and sweating, leading to removal of excess water and impurities. Clay aims to absorb impurities and draw toxins out of the body. There are also multiple other benefits to using the treatment .
Mizan Therapy (T2)
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.
Conditions:
- Excluding spinal manipulation techniques.
Mobiliser
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.
Myofascial Therapy
Used to optimise movement efficiency and structural balance Myofascial Therapy may involve use of massage techniques that focus on a specific area of the body, exercises based on pilates, yoga, dance, stretching and fitness. Benefits may include but not limited to improving dynamic stability, elastic strength, movement ease, and energy flow.
Nature Therapy
Nature Therapy takes us out of our busy lives and heals us - reconnecting us with our environments and ourselves. It introduces us to Eco-therapy, the power of Trees, and messages in Nature. It improves individuals mental and physical health by connecting with nature and outdoor surroundings. Some examples of Nature Therapy are Forest Bathing and Garden Therapy also referred to as Therapeutic Gardening which may involve the use of gardening tools solely in connection with the therapy itself.
Conditions:
- Excluding professional gardening services.
Naturopathy
Naturopathy treats health conditions by utilizing the body's inherent ability to heal. Naturopathic physicians aid the healing process by incorporating a variety of alternative methods based on the patient's individual needs. Diet, lifestyle, work and personal history are all considered when determining a treatment.
Neuro Massage (T3)
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.
Conditions:
- Doctor’s prior consent for treatment must be sought where applicable. Excluding spinal manipulation. Maximum £2,000,000 limit. Subject to a £500 excess.
Approved Practitioners:
- The person insured must be specialty trained, and possess necessary knowledge, skills, understanding of risk factors, causes and management of such conditions to provide safe and effective massage to individuals who have such conditions
Nutri-Energetics
Nutri-Energetics is the pioneering force behind a revolutionary new approach to evaluating and promoting clinical wellness. The NES program aims to harmonise the body's Bio-field known as the human body-field (HBF) or energy field using new discoveries made by biophysics scientists.
Nutri-Energetics Systems Professional (NES-Pro) combines Peter Frasers discovery and mapping of the Quantum Electro-Dynamic (QED) human body-field, with the simplicity of computer technology.
This has lead to the development of the most advanced system for whole body-field analysis and treatment currently available.
The NES-Pro enables the therapist to identify the root energetic cause of illness, and prescribe a personalized corrective treatment regime of
Nutri-Energetics Systems Infoceutical remedies.
Conditions:
- Cover is provided subject to no diagnosis, medical or otherwise, provided to the recipient of this therapy.
Nutritional Therapy
Advising on dietary and lifestyle changes required for the maintenance of good health.
Occupational Health Assessments (T3)
Occupational Health Assessments are crucial for ensuring the safety and well-being of employees in the workplace. They involve evaluating the physical and mental demands of a job against an employee's capabilities, with the goal of preventing work-related injuries and illnesses. These assessments aim to identify potential health risks and interventions. Employers utilise these assessments to comply with legal requirements, improve productivity, and reduce healthcare costs, ultimately fostering a healthier work environment.
Approved Practitioners:
- Must be a qualified occupational health professional.
Occupational Therapy
Occupational therapy involves working with people of all ages with physical or mental challenges that impact their ability to perform daily activities. The therapists in this field carry out practical assessments and following the assessment may give advice, arrange equipment and/or recommend alterations that would help the individuals involved better adapt and perform their daily tasks. Local authorities and regulated, commissioned providers often provide the equipment and adaptations. It may also involve coaching and support within the context of occupational therapy.
Osteopathy (T4)
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.
Conditions:
- Subject to a £500 excess
Approved Practitioners:
- Osteopath
Outdoor Activities Instruction (T3)
This is to cover a range of outdoor activities which take place in the countryside in the UK. Outdoor activities are leisure pursuits engaged in the outdoors, often in natural or semi-natural settings out of town. These activities would typically include but are not limited to backpacking, camping, hiking, biking, climbing, bushcraft, campfires, overnight camp/retreat with adults etc. Some activities may involve the use of tools such as knives, saws, fires etc.
Conditions:
- Excluding abuse and any general childcare. Minors must be chaperoned at all times by a parent/guardian or professional adult who has obtained prior consent from the parent/guardian.
P-Shot and O-Shot PRP (T4)
The P-shot for men and the O-Shot (also known as V-Shot) for women are two types of platelet-rich plasma treatments that use the patient's own blood to release growth factors that help stimulate stem cells, collagen production and tissue repair. The P-Shot stimulates tissue growth and new blood vessels to increase blood flow, resulting in a healthier organ. The O-Shot helps activate weakened stem cells to renew, revive and rejuvenate the organ.
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
- Phlebotomist
- NVQ 3 Beauty Therapist with one year's previous experience
Patient Moving Handling
As with manual handling this trains people how to help move people safely.
Personal Trainer (T3)
A personal trainer will work with an individual to help them achieve their fitness goals.
Phlebotomy (T3)
Blood samples are taken. Some have to be centrifuged. The samples may then be sent to the laboratories for processing and testing.
Approved Practitioners:
- Phlebotomist
- Individual must be a trained/qualified in phlebotomy and medically trained.
Physiotherapy (T4)
Physiotherapy is a degree-based healthcare profession. Physios use their knowledge and skills to improve a range of conditions, taking a 'whole person' approach to health and wellbeing, which includes the patient's general lifestyle. They help improve movement after injury, operation, ageing or disability.
Conditions:
- Excludes spinal manipulation and treatment to professional athletes/sportspeople.
Approved Practitioners:
- Qualified Physiotherapist registered with the HCPC.
Pilates
A technique invented 70 years ago by Joseph H. Pilates. According to The Pilates Studio, pilates (pronounced puh-LAH-teez) focuses on improving flexibility and strength for the overall body, but doesn't build bulk. Some of the first people to use pilates were legendary dancers Martha Graham and George Balanchine. More than just exercise, pilates are a series of controlled movements to engage one's body and mind.
Plasma Gel Bio-filler (T4)
Plasma Gel Bio-filler is an organic plasmotherapy treatment that uses a clients own blood plasma to create gel. It stimulates the body's natural wound-healing response, initiates the biological process to create new collagen and elastin. This regenerative procedure can be used to restore volume and shape in the face, hands, and parts of the body, adding plumpness to areas that have lost volume, also smoothing the appearance of fine lines and wrinkles.
Conditions:
- Needlestick Injury Policy must be in place
- Sanitisation and infection control protocols must be in place
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
- Phlebotomist
- NVQ 3 Beauty Therapist with one year's previous experience
Platelet Rich Plasma / Platelet Rich Fibrin (T4)
Platelet-Rich Plasma (PRP) and Platelet-Rich Fibrin (PRF) Therapies use an individual's own blood and in this way uses their own healing system to help promote the healthy activity of their skin cells, to improve musculoskeletal problems, to trigger hair growth, to stimulate collagen growth, tighten lax skin, improve skin tone, smooth out fine lines and wrinkles.
Conditions:
- Needlestick Injury Policy and Photograph Requirement Policy must be in place
- Excluding P-Shot and O-shot PRP.
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
- Phlebotomist
- NVQ Level 3 together with 1 year's previous experience.
PNF - Proprioceptive Neuromuscular Facilitation
PNF is a more advanced form of flexibility training that involves both the stretching and contraction of the muscle group being targeted. PNF stretching was originally developed as a form of rehabilitation, and to that effect it is very effective. It is also excellent for targeting specific muscle groups, and as well as increasing flexibility, (and range of movement) it also improves muscular strength.
Post-Surgery Home Care (T4)
Providing post-surgery care services to patients, which will vary dependent on the surgical procedure, discharge instructions and general overall health. Typical post-surgery care includes management of pain, nausea and other post-operative symptoms, checking vital signs, wound care (keeping bandages, dressing etc. clean, dry and safe), seroma aspiration, assisting with taking only pre-prescribed medications etc.
Conditions:
- Excluding surgical activity in its entirety.
Approved Practitioners:
- Insured has to be adequately trained and qualified to offer these services.
Pre & Post Natal Exercise
Pre & Post Natal Exercise classes provided always that all exercise is wholly based upon Pilates and / or Yoga principles.
Prescribing (T5)
The prescription of medication used in conjunction with the approved business practices on this policy. (Botulin Toxin A and dermal fillers must involve a face-to-face consultation first).
Approved Practitioners:
- Surgeon, Doctor, Nurse Prescriber, Dentist and Prescribing Pharmacist who maintain current registration with their relevant governing body and have completed the independent prescribing programme relevant to the field of practice and which is approved by their relevant governing body.
Pressotherapy (T2)
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.
Approved Practitioners:
- HCA
- NVQ 2 Beauty Therapist (equivalent or above)
- NVQ 3 Beauty Therapist (equivalent or above)
Pricking (T3)
Pricking certain points of the body including the veins to release blood from that area which could be blood with toxins, or blood that is causing blockages or ailments. Involves the use of various tools including: surgical blades, hypodermic needles, lances, pricking needles, and plum blossom hammer.
Conditions:
- Needlestick Injury Policy must be in place
- Sanitisation and infection control protocols must be in place
Pulsed Electromagnetic Therapy
PET is a non-invasive therapy developed in recent decades used to great benefit by thousands of people. Each individual-specific pulsed magnetic frequency pattern can be adjusted and fine-tuned for optimum bio-energetic balance and benefits. The therapy helps with increasing circulation, decreasing inflammation, accelerating bone healing, enhancing muscle function, reducing the effects of stress, improving blood oxygenation, sleep management, energy clearing, mental focus, stress reduction, improved energy etc
Rainbow Motion
Rainbow Motion offers a unique blend free dance, flowing movement, yoga, music, chanting and creative visualisation meditation. Rainbow Motion helps to release emotion in a positive way; it balances the body, calms the mind and nourishes the soul.
Rambler
To walk in groups through the countryside or idyllic villages, staying on designated pathways. Following a full written risk assessment of the routes to be taken unless keeping to designated pathways where prior risk assessment has been performed by land owners.
Reflexology
A form of massage in which pressure is applied to certain parts of the body in order to promote relaxation and healing elsewhere in the body. A science based on the belief that each part of the body is interconnected through the nervous system to various parts of the body. Stimulating specific reflex points in the body can bring needed nutrients to poorly functioning areas of the body. This can help restore balance throughout the body.
Reproductive Reflexology
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.
Rhythmic Movement Training
Rhythmic Movement Training is a drug free approach to help physical, emotional, behavioural and cognitive challenges. It is a specialised movement programme for children and adults to develop their visual, auditory, motor, tactile and balance senses. The RMT movements replicate the natural rhythmic type movements that infants make which are necessary to integrate the primitive reflexes. The Infant Reflexes are responsible for developing and maturing the wiring system in the brain that should take place starting in utero and up to 4 years, ready for going into the learning environment to learn with enjoyment, adventure and with ease. This programme is movement based and natural. It is enjoyable to give and receive and can bring about profound and life-long results.
Rhythmic Movement Training International
Rhythmic Movement Training International (RMTi) is a reflex and sensory integration programme based on movements and other activities that replicate our earliest movement patterns to establish, strengthen or retrain the foundations of posture, central nervous system (CNS) maturity, sensory processing, memory, learning, emotions and behaviour. The movements used in RMTi were first devised in Sweden in the 1970s by self-taught therapist Kerstin Linde. Moira Dempsey has been instrumental in expanding the programme to included primitive reflex integration, sensory processing and kinesiology information and processes.
Seated Chair massage
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.
Shockwave Therapy (T2)
Shockwave therapy is a non-invasive, out-patient alternative to surgery for those suffering from many joint and tendon disorders. Shockwave Therapy sends acoustic shock waves into bone or soft tissue, in effect reinjuring the area on a cellular level and breaking up the scarring that has penetrated tendons and ligaments. The controlled reinjuring of tissue allows the body to regenerate blood vessels and bone cells. The resulting revascularization leads to faster healing and often a return to pre-injury activity levels. It is a treatment using powerful acoustic pulses which is mostly used in physical therapy and orthopedics. In the cosmetic industry, this therapy is used to stimulate lymphatic drainage, encourage the breakdown of fat cells and cellulite reduction, induce skin tightening etc.
Approved Practitioners:
- The insured must be qualified in Shockwave Therapy use.
Sleep Coach
A sleep coach helps clients identify sleep goals and encourages them to self-determine ways to achieve those goals without specific direction. A sleep coach helps clients identify what sleep training approaches resonate and are comfortable with them. Coaches are non-judgmental and do not provide therapy or tell clients what they should do. Coaching is a collaborative process between client and coach, designed to encourage the client to make the journey for him/herself through a process of questions intended to tap into the client's own belief system. A sleep coach continues to work with clients while they implement their action plans, serves to motivate and encourage his/her clients, holds them accountable to their goals and plans, helps them understand the consequences of their choices, and supports them throughout the process.
Conditions:
- Strictly subject to there being no administration of any drugs.
Sleep Consultation
A sleep consultant promotes informed decision-making and provides non-medical advice, support, guidance, expertise, research, information, education and resources based on client needs. Additionally, a professional sleep consultant relies on evidence-based research and techniques to provide specific information, solutions, and action steps clients should take to create healthy sleep habits that are developmentally and age appropriate. A professional sleep consultant may integrate coaching techniques by helping clients identify their own sleep goals and which sleep training approaches that resonate and are comfortable for them, and supporting their clients during the implementation of the sleep plan.
Conditions:
- Strictly subject to there being no administration of any drugs.
Sound Healing / Vibrational Therapy
Sound Healing / Vibrational Therapy is the therapeutic application of sound frequencies/vibrations to the body, mind, certain body parts, acupuncture/meridian points and/or around the energy field of a person with the intention of bringing them into a state of harmony and health. The frequencies/vibrations can be transmitted to a person in a number of ways, through: voice(s) (the customers/practitioners/others) live musical instruments recorded music through a loudspeaker or headphones tuning forks, singing bowls, gongs and other instruments that cause vibration
Spa Facilities (T3)
Use of hot tub, saunas, steam rooms and spas either prior to a therapy or as a therapy in itself.
Conditions:
- Robust Health & Safety and wet floor exposure protocols must be in place
Spinology
Improve and maintain the dynamic relationship between spinal movement and nervous system function, as well as development of new neural circuits and enhanced nervous system capacity to increase overall performance. Some spinology therapies may have their own course/brand names such as Buttafly Technique.
Sport Massage
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.
Sport Taping
Athletic taping is by far the most widely used technique, and it is a rigid or semi-rigid taping technique. It is primarily used for acute injuries and prevention of injuries. It is generally applied prior to a sporting activity and removed immediately after.
Conditions:
- Excludes treating high profile/professional sports people
Sports and Exercise Nutritional Advisor
Address your clients fitness goals and design a personalised nutritional plan Educate and appraise your client Provide guidelines for a balanced intake of nutrients to help with your clients goals Inform about the benefits of proper hydration and the risks of dehydration Check on food intake through questions and dietary journals Encourage your client to follow a varied diet and healthy lifestyle Work with your client to implement strategies for new healthy habits to stick Follow up on nutritional improvements Rehearse and adjust an eating plan where necessary
Sports Coaching
A sports coach works with individuals to help them achieve their fitness and sporting goals. This can be done through a positive mindset, exercise, diet and lifestyle choices.
Conditions:
- Excluding participant to participant injury or any contact sports coaching.
Sports Injury Therapy
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.
Conditions:
- Excludes work for or on behalf of premiership clubs including their associated youth teams.
Approved Practitioners:
- Must be qualified at the level of FA Intermediate Treatment and Management of Injuries Course or equivalent, and also have a minimum of 2 years relevant practical experience
Sports Instructor
Providing sessions in sports and activities to individuals who may want to be more healthy or have a better understanding. Building confidence by helping individuals to partake in different sport and activity sessions. To run and manage these sessions. Giving instruction and advice relevant to the activity.
Conditions:
- Excluding participant to participant injury. For the purposes of this endorsement, participant shall mean any individual participating in any sporting activity arranged by the insured. In all other respects the policy remains unaltered.
Storydance
Guiding children and adults through a story, dance and movement and art for inner journeying, growth and development.
Surge of Chi Exerciser
Surge of Chi Exerciser (which we understand is a Registered trade mark) provides stress free aerobic exercise while laying flat on your back. It consists of a cushioned rest on which you rest your ankles and a 'passive' exercise that you lay on. Electric motors gently exercise both your back and your ankles. It can relax into a rhythmic motion, releasing the tension many people tend to hold in their hips, lower back, shoulders and neck.
Swedish Massage
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.
Tai chi
Tai chi is an internal Chinese martial art. Tai chi is typically practised for a variety of reasons: its soft martial techniques, demonstration competitions, health and longevity. Consequently, there exist a multitude of training forms, both traditional and modern, which correspond to those aims. Some of Tai chi chuan's training forms are well known to Westerners as the slow motion routines that groups of people practice together every morning in parks around the world, particularly in China.
Tapas Acupressure Technique
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.
Tatty Bumpkin
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.
TDP Lamp Therapy (Teding Diancibo Pu Lamp Therapy) (T2)
TDP Lamp Therapy (also known as Moxa Lamp) combine topical heating of the body and curing plate/disc that contain up to 33 minerals. Emission spectrum ranges from 1 to 25 microns. This type of therapy is commonly used (but not limited to) to accelerate the natural healing processes, treat muscular pain and tightness, help muscle spasms, minor sprains and strains, and minor muscular back pain, increase heat and blood flow.
Conditions:
- Excluding spinal manipulation techniques.
TEAM Health Assessments (T2)
Traditional East Asian Medicine assessment is achieved through health assessments using four diagnostic methods to work out the imbalances and health conditions based on which treatment is put together. These methods include inspection (observation of the visible signs such as vitality, colour, appearance, secretion and excretions), listening & smelling (gathering information about the patient's voice, breathing, coughing, and odour), inquiring (asking various questions about patients' family history, major complaints, living states, diets, sleeping habits, and such like physical conditions and characteristics ) and palpation (examines patients' changes of internal organs and pulse).
Thai Foot Massage
Thai Foot Massage is a massage of the hands, legs and feet that originated in Thailand about 2000 years ago. It is a part of traditional Thai massage and has elements of Shiatsu, Chinese massage and Yoga incorporated into the massage itself.
Thai Hot Herb Massage
This is very similar to hot stone massage but using herb compresses rather than stones.
Thai Yoga Massage
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.
Tissue Salt Consultancy
The cells body is made up of 12 tissue salts. Tissue salts are nutrition for the cells. If a person is deficient at a cellular level they will become ill. Tissue salts are taken in order to replace the missing micro minerals. We used to get this from our food but now the soil our food is grown in is deficient and the levels of the micro nutrients have vastly reduced.
TMS (Transcranial Magnetic Stimulation) (T3)
The administration and supervision of TMS treatments as prescribed by a doctor. This is a non-invasive treatment that uses electromagnetic pulses to stimulate nerve cells, which may improve symptoms of neurological or mental health disorders. Devices are positioned over the area of the brain which have been specified by the clinician. The treatment does not involve surgery, anaesthesia or sedation and is non-systemic meaning it does not affect other areas of the body. Used in the treatment of a variety of diseases, including depression.
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
Tongue Tie Assessment (T2)
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:
- Clinically trained NHS Band 5 or above
- Midwives, Health Visitors, IBCLCs, Breastfeeding Counsellors and Peer Supporters, GPs and other medical professionals, Dentists, Speech Therapists, Osteopaths, Chiropractors, Cranial Sacral Therapists, Doulas and Maternity Nurses.
Tongue Tie Division/ Frenulotomy (T3)
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.
Conditions:
- Practitioners must deliver a high standard of appropriate care to the patient and the family including but not limited to pre-division and after-division care and exercise instructions, after-scar remodelling which usually involves massages with gentle pulses, infant feeding support and advice etc.
Approved Practitioners:
- Must be registered for the RA surgical procedures in order to carry out this procedure
TPS (Transcranial Pulse Stimulation) (T3)
The administration and supervision of TPS treatments (also referred to as ultrasound brain stimulation and shockwaves) as prescribed by a doctor. This is a non-invasive treatment that uses acoustic waves to stimulate brain tissue, which may improve symptoms of neurological Alzheimer's Disease. The device is positioned over different areas of the brain which have been specified by the clinician. The treatment does not involve surgery, anaesthesia or sedation and is non-systemic meaning it does not affect other areas of the body. Used in the treatment of Alzheimer's Disease.
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
Trager
Utilising gentle, non-intrusive, natural movements, The Trager Approach helps release deep-seated physical and mental patterns and facilitates deep relaxation, increased physical mobility and mental clarity. These patterns may have developed in response to accidents, illnesses, or any kind of physical or emotional trauma, including the stress of everyday life.
Because many of the effects are cumulative, clients most often appreciate and will benefit from a series of sessions. One of the most potents aspects of this method is the ability to recall the feeling of deep relaxation and how it feels to move freely and easily.
Ultrasound Therapy (T3)
A therapeutic ultrasound machine (1 and/or 3 MHz) treatment head is applied to the skin over the injured/problematic "soft tissue" area and moved slowly over the area. The process stimulates tissue repair, increases blood flow to the area, rehydrates the fascia/scar tissue, increases the permeability of the body cells, and encourages white blood cells associated with tissue repair to move to/work in the treated area.
Conditions:
- Excluding any pregnancy related ultrasounds.
Approved Practitioners:
- Sports Therapist or Physiotherapist, or hold a qualification in another field of equal standing and relevance.
Unani Medicine (T2)
Unani Medicine is based on the belief that the presence of 4 humours in the body in a state of equilibrium preserves health. The 4 humours are blood, phlegm, yellow bile, and black bile. Diagnosis is done chiefly by checking the pulse, appearance and other details like sleep, diet, mental makeup etc. Unani medicines are made from natural substances like plant products and the system of medicine includes processes that are believed to eliminate toxic agents and cause cleansing. Unani medicine also gives great importance to special diets by regulating the quality and quantity of food. It aims to achieve physical and mental health through cleansing and purification. This is for holistic purposes only and is not to replace traditional methods of medicine/medical assistance from qualified medical practitioners.
Conditions:
- Excludes diagnosing or treatment of medical ailments, and prescribing.
Vaccine Administration (T4)
Provides cover solely for the act of vaccine administration by means of injection . The cover excludes any advice, medical assessment, diagnosis, check-up, test, analysis or prescription. The insured must have appropriate training and work within the legal regulations and industry requirements and guidance.
Conditions:
- Needlestick Injury Policy must be in place
- Sanitisation and infection control protocols must be in place
- Written parental consent must be obtained for any services performed on/with/for minors
Vacuum/Suction Therapy (T3)
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.
Conditions:
- Excluding surgical activity. Insured must ensure they have informed consent procedures in place detailing all associated risks including communication around the fact that the results are not permanent, potential bruising and mild swelling.
Vitamin Therapy
Any therapeutic use of vitamins, whether necessitated by nutritional deficiency or not.
Conditions:
- Excluding mesotherapy and/or injecting.
Weight Loss Injectibles (T5)
Including but not limited to the use of Saxenda & Ozempic. It is a weight loss programme incorporating licenced prescription medication and dietary planning. It is used as a kick start to a healthier lifestyle and weightloss.
Conditions:
- Subject to a £1,500 excess
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- Dental therapist/hygienist
- Dentist
- Phlebotomist
Weight Loss Practitioner
Educate and appraise your client to address your client's weight loss goals and design a personalised plan.
Provide guidelines for a balanced intake of nutrients, hydration, physical activity, stress management, and habit forming.
Encourage your client to follow a varied diet and healthy lifestyle. Check on food intake through questions and dietary journals.
Adjust an eating plan where necessary. Inform about the benefits of proper nutrition, exercise, and self-care. Work with your client to implement strategies for new healthy habits to stick to. Monitor body composition improvements.
Conditions:
- Weight management practitioners making recommendations to clients to follow any Very Low Calorie Diet (VLCD, less than 800 calories a day) should, prior to their client's commencement of such a diet, obtain a written approval from the client's GP confirming their suitability to follow the recommendation, a copy of which should be stored on file. The client must also attend regular check-ups with their GP during the time period that such plan is recommended to be followed to ensure the on-going suitability of the diet. If approval has been provided by a Doctor employed by a weight management practitioner, then such Doctor must have in place their own malpractice, errors and omissions insurance via the applicable medical defence union or other recognised insurer.
Weight Management
Advising on the eating of traditional and familiar foods at the right time and in the right quantities combined with a healthy lifestyle in order to achieve a healthy weight for the individual and then to maintain it.
Conditions:
- Excluding advice on medicines or supplements. Weight management practitioners making recommendations to clients to follow any Very Low Calorie Diet (VLCD, less than 800 calories a day) should, prior to their client's commencement of such a diet, obtain a written approval from the client's GP confirming their suitability to follow the recommendation, a copy of which should be stored on file. The client must also attend regular check-ups with their GP during the time period that such plan is recommended to be followed to ensure the on-going suitability of the diet. If approval has been provided by a Doctor employed by a weight management practitioner, then such Doctor must have in place their own malpractice, errors and omissions insurance via the applicable medical defence union or other recognised insurer.
Whole Body Vibration (T2)
This involves vibration machines, also called shaking machines or shaking platforms, which use whole-body vibrations to force the body's muscles to contract reflexively. Exercises like squats, pushups, or crunches can be performed on the machines while they're vibrating. Can improve muscle tone and circulation, and accelerate weight loss.
Conditions:
- Robust Health & Safety protocols must be in place
- Clear instructions on how to use the equipment.
Approved Practitioners:
- Qualified in using the equipment and instructing clients to safely use the machines
Whole Food Therapy
An alternative therapy to encourage and maintain peak health by the use of whole food. The promotion of whole and unprocessed (or minimally processed) food instead of the packaged and highly processed food that is consumed in large quantity by many people today
Whole woman
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
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 face and/or body, develop breath awareness, relaxation and sometimes meditation.
Yoga-fun & fitness
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
YogaBellies for Women is an authentic yoga practice for women during every stage of life including menstruation, menopause, pregnancy and post-partum with baby.
Yoni Steaming (T3)
Yoni Steaming is also known as Vaginal Steaming and Peristeam Hydrotherapy. Women are given herbs to boil as a tea and sit above on a special designed seat, where gentle steam from the tea soothes the pelvic area. This is a traditional practice from around the world sometimes known as pelvic fumigation. It is a soothing process for women and can help to improve menstrual and pelvic health.
Conditions:
- Clients must be supervised during treatment, chaperoned where necessary and aftercare guidance should be given.
Zorbing/bubble football (T3)
A person is placed into a large inglated torus bubble. Zorbing,Bubble football or Bubble Soccer, is the recreation/sport of playing football while half-encased inside an inflated bubble, similar to a zorb, which covers the players upper body and head. This game is typically played in teams in large indoor spaces or outdoor fields. There are additional games such as, skittles, capture the flag, middle man, sumo etc. All will be played with the strictest control and organisation. Zorbing can also be done by rolling down hills for fun and recreation.
Conditions:
- We will not make any payment for any claim arising from bodily injury caused by one participant to another participant. For the purposes of this endorsement, participant shall mean any individual participating in any sporting activity arranged by you. In all other respects the policy remains unaltered.
How our insurance protects you
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:
- Public Liability Protection.
- Professional Indemnity.
- Medical Malpractice.
- Product Liability.
- Breach of confidentiality.
- Defamation, Libel & Slander.
- Dishonesty of employees.
- Your work as a subcontractor.
- Subcontractors work for you.
- Loss of documents.
- Breach of intellectual property.
- Public relation expenses.
Extra protection available
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.
Why do businesses in the Physical health & Fitness industry need Insurance?
The physical health and fitness industry is booming, with individuals seeking to improve their physical well-being through various programs and training regimes. While helping clients achieve their fitness goals is rewarding, the physical nature of the work carries inherent risks.
Exercise routines, even when designed by professionals, can sometimes result in injuries. Clients may also have underlying health conditions that can be exacerbated by physical activity. Additionally, equipment failures or improper use can lead to accidents.
Having insurance is crucial to cover potential claims arising from injuries or accidents, ensuring you can continue to promote health and fitness with peace of mind.
Read our guide for Qualification Requirements
Having the correct level of experience or qualifications necessary to offer a service is...
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Why Westminster
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Helping thousands of customers along the way
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Big enough to lead. Small enough to care
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Fast, easy online quote, 24/7
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Why Westminster
Why Westminster
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Comprehensive Protection
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
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Flexible Coverage
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
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Confidence and Trust
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
Full support in the event of a claim
Giving comfort and removing the hassle and stress.
First class friendly help on the phone
No salesmen, no gimmicks! We just make insurance easy.
Fast, easy online quote, 24/7
Get your quote and insurance document - within minutes.
Daniel Meron
Health & wellness coach
Excellent customer support both on the online platform and On the telephone. The customer support advisor I spoke with was extremely knowledgeable very helpful and was able to resolve all of my issues in one session Very impressed with the service!
Kelly
BEAUTY THERAPIST
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.
FAQ's
Why do you want to know my income?
We require this for one reason - in order to gain an indication of the size of the business.
We are able to provide insurance to business practices where the total income is up to a maximum of £1,2500,000 pa. This is not profit (after taxes and expenses), but the total revenue of your business.
The income we discuss here is the income generated from the business practices to be covered by this insurance. That may NOT be the total business income if the business engages in some practices NOT covered by this insurance.
Your income level will have an impact on the premium. Please see the ‘How much will it cost’ section for more details.
Can I pay monthly?
Yes, you can.
When you proceed to purchase you will be given the choice of paying monthly or annually. However, it is an annual policy and you are expected to maintain the monthly payments. You should regard this as spreading the cost rather than purchasing monthly coverage.
I have just qualified and am looking to set up my own business. I was wondering do I need to have my company set up before I get insurance or start taking on clients?
We do not offer business advice. However, we can add a few comments that might be helpful in answer to your question.
You do not need to have a 'company' in place before starting to take on clients or to obtain insurance. But, you should have insurance in place as soon as you start to take on clients. If, at a later date, you form a company the policy can be altered to take that into account and will cover you before the company was formed and thereafter.
Insurance cover provides you with the comfort that in the event of something 'going wrong' with the service you provide you are covered against a valid claim.
The Financial Regulator and our professional standing.
The Financial Conduct Authority (FCA) is the regulatory body charged by UK law to regulate the financial markets in the UK. This, of course, includes the entire insurance market and this firm.
Westminster Insurance Limited is duly authorised and regulated by the FCA registration no: 439023.
For ease of reference you may use this link direct to the FCA Register - CLICK HERE where you may check the registration of this firm - or any other regulated by the FSA.
It is a criminal offense to undertake any regulated activity (as those activities and markets regulated by the FCA are called) without the appropriate FCA authority.
The financial regulation standards in the UK (enforced by the FCA) are probably the toughest in the world, and the process to become regulated takes into account all factors appropriate to the running of a business.
Where Westminster Insurance Limited does business in other parts of the EU - such as Eire - it remains under the same stringent regulatory conditions as if it were in the UK.
Professional bodies are usually set up to protect the interest of members and set professional and ethical standards for practitioners. The FCA is set up to protect the consumer. The conditions for authorisation are stringent, appropriate and thorough as is the ongoing monitoring of every person or firm regulated by the FCA. Accordingly, there is no professional body that Westminster Indemnity Ltd could belong, or subscribe to, that would further enhance the protection our customers receive.
How do I get a quotation and apply for cover?
We are a fully automated process and provide all the information needed for you to make an informed decision online.
A quotation is available 24/7 online. Anywhere on our website simply click on the ‘Get a Quote’ button. That will take you through the questions necessary to generate a quotation. It’s all straightforward and simple and once produced you have the option to save the quote for later or proceed direct to purchase.
If you choose to proceed to purchase, you have the option to pay monthly or for the whole year by Credit or Debit Card and once the transaction is authorised your policy is issued immediately. Your documents will be emailed to you for you to print and save.
For more details on this click on the ‘How it Works’ tab under Help and Support and if there’s still anything that remains unclear, simply give us a call, we always love to chat.
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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.