All the essential protection you need...
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Usually a legal requirement if you have employees, apprentices, or work experience students.
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
See and search through the full list of services you can get covered for, it’s growing every day!
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Knowledge, experience and qualifications are all vital, but understand why we don't ask you to send proof when insuring you.
Working in this field can be incredibly rewarding, as you bring joy and confidence to clients. However, the expanding array of treatments and services also means that the associated risks are higher than ever.
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Established since 2003
Authorised
Recommended by training, accreditation and membership bodies.
In the teaching and training sector, you empower others with knowledge and skills. From private tutors to corporate trainers, physical trainers and academic instructors, your role is essential in fostering growth and development. Westminster offers tailored insurance solutions that support your educational endeavours, providing robust protection that grows with your practice. Our policies cover a wide range of services, ensuring you can focus on delivering impactful instruction while staying protected, with easy updates to reflect your expanding business.
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.
Acting as an agency for the accreditation of therapies, modalities and business practices.
Conditions:
Teaching or tutoring involved with fundamental acting techniques, specialized voice training and the development of physical movement skills required for a drama setting usually for TV, film and theatre.
Teaching or tutoring the theory and/or practical skills of art to children or adults.
Auditory Integration Training (AIT) is a powerful music programme to help people with ADHD, ADD, dyslexia, hearing sensitivities, autism, developmental delays, poor concentration, and a variety of other special needs. The programme provides stimulation to the hearing mechanism, which produces more normal hearing following treatment. Hearing anomalies can affect many aspects of normal everyday life, especially behaviour, sensitivity to noises in the home, social interaction, speech and language development and learning. Professionals who seek to remediate speech/language and learning delays in their patients also implement it.
Supporting and supervising the development of new and experienced Coaches. Coaching is generally described as: A personal service to an individual or group that is non-judgemental and non-directional but will challenge, stimulate and guide the person being coached towards their stated aims and goals.
Acting as a teacher or individual tutor to train Coaching but excluding any liability arising from the management and control of a Training Establishment, Clinic or College. Coaching is defined as a personal service to an individual or group that is non-judgemental, non-directional and does not provide advice or direction, but will assist to perform, challenge, stimulate and guide.
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.
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.
This is the ability to facilitate action and guide change by individuals in groups or oganisations in dealing with and achieving the best possible outcomes for those with dementia. To train is to teach, direct, encourage, inspire, and co-ordinate.
Advising on and helping to make baked goods with emphasis on baking for people with food allergies/sensitivities.
Acting as a Supply Teacher and/or providing additional teaching facilities such as lectures, tutorials and examination materials and marking on formal subjects.
A facilitator leads a group about their purpose. It encompasses the support role of a trainer but is not concerned with the actual subject matter or purpose of the meeting except so far as is necessary to guide the group in an effective manner. The role is also likely to assist in the design and implementation of the meeting process and structure best suited, required or necessary for the group to achieve its goals and objectives. If an independent person is facilitating / leading the process of meetings, retreats, team-building or strategy sessions this provides participants or attendees the opportunity to concentrate all of their attention on the content without the potential distraction of concern regarding meeting structure.
Training First Aid at Work according to the HSE guidelines.
Approved Practitioners:
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.
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.
Helping people whose first language is not English make themselves understood, or working with professional bodies to help translate what people have said.
Working with individuals or groups to build confidence in using computers. Basic instruction and familiarisation with computer operating procedures and working with spreadsheets, word processors, simple graphics, presentations, databases and browsers.
The training of leadership. Leadership is the ability to facilitate action and guide change by individuals in groups or organisations. To lead is to direct, supervise, encourage, inspire, and co-ordinate.A good leader develops personal leadership skills and encourages and trains new leaders who will follow. Leadership Training may be known under different names such as but not limited to Leadership Coaching, Jungian Leadership Coaching, Executive Training, Managerial Training etc.
The training of individuals or groups (often managers, supervisors, team leaders), to develop or improve their understanding and implementation of various workplace and soft skills, to improve their own performance, and their management and training of others. Skills/subjects taught will be dependant on the expertise of the trainer but may include: - appraisal, - customer service, - communication, - disciplinary, - interview - presentation, - personal effectiveness, - performance, - self-management, - sales, - team leadership, - team working, - time management.
Training staff on how to do manual handling projects correctly. Teaching them how to lift correctly and how to identify when they need mechanical equipment to move an object safely.
Mentoring is a learning partnership where someone with more experience (mentor) offers guidance, assistance, support and advise to someone with less experience (mentee) in their process of learning, growth, unlocking potential, and achieving their goals.
To instruct someone on how to play a musical instrument, to help achieve a better skill and understanding of the instrument.
Organising, facilitating and leading networking meetings for professionals.
Acting as a teacher or individual tutor to train NLP but excluding any liability arising from the management and control of a Training Establishment, Clinic or College. NLP is the acronym for Neuro Linguisitic Programming, the goal-oriented approach to problem-solving and modelling success developed by Richard Bandler and John Grinder, characterised by a focus on structure and process rather than content.
This is aimed at parents, carers, or the general public to increase awareness and skills in paediatric first aid. Training may include but is not limited to instruction, demonstration, and supervised practice of key techniques such as CPR, choking management, recovery positions, minor injury care, and recognising common illnesses or emergencies.
Outdoor activities are leisure pursuits engaged in the outdoors, often in natural, ''simulated" surfaces or in-purpose built facilities. These activities may be land-based, water-based and wheel-based: (including but not limited to backpacking, camping, hiking, biking, cycling, climbing, bushcraft, campfires, overnight camp/retreat with adults, fishing, canoeing, kayaking, paddling, paintball, airsoft etc. Some activities may involve the use of tools such as knives, saws, fires etc.
Babies and Children may be present but are the sole responsibility of their parent / care giver at all times. The class leader may assist a parent to position their child comfortably in a number of traditional holds. Parenting classes take place either in a group or individual setting. Classes consist of sharing information about parenting topics, including but not limited to: attachment parenting techniques; research on infant development; babywearing techniques, use of baby carrying/carriers, communicating effectively with babies, toddlers and children; factoring evolutionary history into parenting expectations; ways to strengthen a bond with a baby, toddler or child; establishing a good relationships with your children; differences in traditional parenting cultures around the world; childhood sleep habits; potty training. Classes take the form of a mixture of group activities and traditional teaching methods. No medical advice is given or implied - the courses are informative in nature and the onus is placed on clients to make their own informed decisions.
As with manual handling this trains people how to help move people safely.
A practical and down to earth approach to personal safety the purpose of which is to reduce the amount of abusive and violent incidents in the local and national community through empowerment and education. The training is for services, agencies and organisations and the voluntary sector as well as individuals, families and small groups. Cover is available provided the practitioner is a qualified teacher and PBUK endorsed trainer. This training reflects Theme 1 in Protective Behaviours in that "We all have the right to feel safe all the time", therefore participants are never asked to say or do anything that would lead them to feeling unsafe and with this right comes the responsibility to observe other people"s right to feel safe.
A personal trainer will work with an individual to help them achieve their fitness goals.
Engaging in speaking live in front of an audience, or on video, for the purpose of motivation and inspiration.
Encouraging the personal development of the individuals making up the audience. Speaking topics based around the business practices covered by this policy.
Reflex Integration (also known as Masgutova Neurosensorimotor Reflex Integration, Rhythmic Movement Training, Reflex Integration Through Play, Institute for Neuro-Physiological Psychology) 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 RIT 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.
Respite care and tuition for children and young people with special educational needs (S.E.N.). Supporting children from birth to 25 years of age, to access leisure activities in the community, providing personal care, development of emotional literacy, functional life skills, administration of medications (strictly in accordance with prescription only), providing the family with respite from their care duties, support after surgery, etc. Specialising in child-centred care which involves developing strong trusting relationships with children and young people, forming healthy attachments which facilitate the children's capacity to learn and improve their mental health.
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.
Reporting on achievement and standards of teaching, behaviour and leadership and management on behalf of Ofsted.
The teaching of Sign Language (any means of communication through bodily movements, especially of the hands and arms, used when spoken communication is impossible or not desirable). This may be offered to individuals or groups and includes working with all age groups, babies, children, adults, families etc.
Teaching individuals or groups, singing skills and vocal projection. To also include pitch tone and range. This can be to increase singing skill or to help release any blocked emotions.
Working with an individual or group to aid the development of strategies and techniques for effective communication and interaction with others. This can include verbal and non-verbal communication such as speech, gesture, facial expression, and body language. Supports children and adults who lack social skills, including those with Special Educational Needs.
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
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.
Providing sessions in sports and activities to individuals and groups 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.
Storytelling is the social and cultural activity of sharing stories, sometimes with improvisation, theatrics or embellishment. Every culture has its own stories or narratives, which are shared as a means of entertainment, education, cultural preservation, instilling moral values or it may be used for therapeutic purposes.
A support broker helps an individual in receipt of a budget from the local authority to make a plan of how to best use their budget in accordance with the outcomes agreed with the local authority social work services. That plan is reviewed and when it is fully agreed by social services, the broker helps the individual to put the agreed arrangements and services in place. Working in the Social Care Sector, assisting clients in putting support arrangements in place. Not involved with, or responsible for, anyones finances.
Working as a teacher or tutor involved with fundamental acting techniques, specialized voice training and the development of physical movement skills required for a drama setting usually for TV, film and theatre.
Team building activities involves a group of participants working together to solve a practical problem or carry out a physical movement/achievement through specific use and order of the participants and equipment available. Encourages group thinking and trust of one another. Please note the following exercises are specifically excluded from cover: Wood Breaking, Concrete Block Breaking, Glasswalking, Firewalking, Needle through the Hand, Bar Bending.
Responsibilities include planning activities and travel itineraries, entrance to attractions/events, and familiarizing customers with the locality by vehicle or foot, ensuring that the group remains safe at all times.
To teach people one of the theoretical areas of the financial markets; to assist traders & investors to improve their trading & investing psychology; to provide coaching and neuro-linguistic programming for traders & investors to improve their trading & investing psychology This will cover all aspects of trading & investing psychology, including individual trader / investor psychology, group & market psychology, attitudes towards money, attitudes towards risk, daily processes, improving personal performance in trading / investing, etc. This can be applied to all asset classes including FX, stocks, indices, commodities & bonds. Can also cover alternative investments, land, property, other investments. The training could be for those who want to trade & invest in the financial markets, for those who require the skills for a job in the financial services industry, or for general interest purposes
Training the trainer of disciplines, therapies or business practices that are covered under this policy. This is not a stand-alone practice and must be accompanied by the business practices one teaches.
- To teach people in any / all areas of accounting and finance - The training could be for anyone who wants to learn, regardless of whether they have prior knowledge in these areas or not. Training can be for any level from complete beginners upwards.
- To teach people in any / all areas & functionality of Microsoft Office software. - The training could be for anyone who wants to learn, regardless of whether they have prior knowledge in these areas or not. Training can be for any level from complete beginners upwards.
Financial analysis understanding profit & loss accounts, balance sheets, cash flow statements, and all other financial & accounting data Economic data All management accounting /information data, such as performance measurement for trading / investing, trade stats & tracking, business measurement, etc Political events Any other environmental, current & world issues
To teach people one of the theoretical areas of the financial markets. Technical analysis relates to studying charts & related data to understand the price of financial instruments. This can be applied to all asset classes including FX, stocks, indices, commodities & bonds. Can also cover alternative investments, land, property, other investments. The training could be for those who want to trade & invest in the financial markets, for those who require the skills for a job in the financial services industry, or for general interest purposes
Acting as a tutor for any of the business practices we cover, subject to that business practice being taught also listed as covered, and including the issue of associated qualification strictly subject to the insured having the required and appropriate education, qualification and authority to issue formal qualification.
Providing accommodation, language tuition to foreigners, local area and customs information/guidance, sightseeing walks and leisure activities.
Voice Tutor, Training and Teaching - Acting as a teacher or tutor involved with specialised voice training for public speaking and group presentations, recording, TV, radio, film and theatre.
For individuals to increase their personal effectiveness through their written communication by writing clearly, concisely and accurately
Combined Business Insurance provides crucial protection. This core bundle is at the centre of every policy, offering comprehensive protection by combining Professional Indemnity, Medical Malpractice, and Public Liability insurance in one policy. So you can grow your business with confidence, while you are protected for the following:
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Designed to tackle the problems associated with your computer systems, websites and emails.
Protection for your office essentials, from computers and furniture to documents and signage.
Employee Liability insurance is a legal requirement if you have employees.
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
Educators and trainers face unique risks that can impact their practice. You may encounter claims that your instruction led to poor academic or professional outcomes, or accidents during hands-on training sessions that result in injuries. The loss of sensitive student information due to a data breach could lead to legal consequences, and false accusations of misconduct from students or parents could result in legal battles and reputational damage. Additionally, disagreements over service terms or payment could lead to litigation.
Having the correct level of experience or qualifications necessary to offer a service is...
A participant gets injured during a physical activity in a training session. The participant demands compensation for medical treatment and lost income.
A student claims they did not receive the promised level of education or training, resulting in their failure to achieve expected outcomes. The student sues for a refund or damages.
A teacher or trainer is accused of negligence. The institution faces legal action and demands for compensation from the affected individual.
Damage occurs to the training venue or equipment during a session, and the venue owner seeks compensation for repairs or replacements.
Personal information of students or trainees is compromised due to inadequate cybersecurity measures, leading to potential legal action and claims for compensation.
By Accreditation bodies, Training Schools and our Clients
Helping thousands of customers along the way
Manage and Update your policy easily as you grow
Big enough to lead. Small enough to care
Giving comfort and removing the hassle and stress.
No salesmen, no gimmicks! We just make insurance easy.
Get your quote and insurance document - within minutes.
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
Trainer & Consultant
Good value with wide range of cover and efficient processes.
Team responded quickly, sorted company details and pricing query.
Yes, but it depends on what you're purchasing:
New Policy: When buying a new policy, you can choose monthly payments to spread out the cost. Keep in mind that it's still an annual policy, so you need to keep up with the monthly payments.
Renewing a Policy: If your current policy is due for renewal soon and you're currently paying yearly but would like to pay monthly, or vice versa, that can easily be changed online by following the link in your renewal email.
Adding Extra Cover: If you add extra cover (like portable equipment) to an existing policy mid-term, the full amount for the add-on is due at the time of purchase.
The cost of business insurance varies based on several factors, including your annual income, the level of cover you choose, the number of people included in the policy, the services you provide, and whether you need overseas coverage or any of the add-on products.
The best way to find out how much it will cost for your business is to get an instant quote—it only takes a few minutes.
Get a Quote Now
If you need to file a claim, simply log into your account and go to the Claims page to submit the details.
If you're not sure if you need to make a claim or want to talk about a situation that might lead to one, give us a call at 01305 839939 (Monday to Friday, 9 AM - 5 PM excluding bank holidays) or send an email to claims@westminster.global with a brief description of what happened. We're here to help you through the process!
Business insurance (Professional Indemnity, Public Liability and Medical Malpractice) provides your business (and you personally if you are a sole trader) with an essential safety net, offering vital protection against the stress and financial impact of respondin to a Claim. Without insurance, if you are faced with a Claim, you will need to fight this battle on your own or appoint solicitors to help you. The first option is unadvisable, time consuming and stressful. The second option is costly.
Remember, that should the very worst happen and there is a large compensation payment to make, the business has to find the funds to pay it - do you think it likely that it will have large amounts of spare funds?. If the business isn't incorporated, then it is your personal assets that will be used to make the payment.
Insurance provides a very cost effective option, peace of mind and security for your business.
Choosing the right insurance for your business depends on what kind of work you do, the risks involved, and any legal or contractual requirements.
To make it easier, try our Insurance Checker under Resources---just answer a few quick questions, we'll guide you through the right coverage.
Absolutely!
We have coverage tailored to fit you, so you only pay for exactly what you need. You can customise your policy based on the size of your business, what services you provide and what cover level you want. With hundreds of business practices to choose from, you can add as many as you like to one policy (provided you meet the requirements).
The best part is - if things change, your policy can change with you. All of our policies are adjustable so if you need to add cover for a new service you are offering, or you get a new employee, or simply want a higher cover level you can simply login to your Account and adjust your policy.
We understand that businesses change and grow, so that's why your protection can grow with you.
If you are offering any service, whether you are receiving payment or, and whether it is to the public or friends and family, it is advisable to have business insurance. Whether you are a Limited Company, a freelancer/sole trader, partnership or group, the same risks apply. By offering a service you are exposed to the risk of having a Claim made against you.
The cover is in place immeditaly and creating a quote only takes a couple of minutes
Absolutely! You can include as many practices as you need on a single policy, and you will only pay for the highest cost one. Here's how it works:
All in One Policy: List any number of practices without worrying about extra charges. Regardless if they are practices from different sectors.
Risk Levels Matter: Instead of charging for each practice, we charge based on the highest risk level of the practices you've chosen. Our tiers range from 1 (lowest risk) to 5 (highest risk).
One Cost, One Tier: So, if you include practices with different risk tiers, you'll only be charged according to the highest-risk practice on your policy. For example, if you have five Tier 1 practices and two Tier 5 practices, your rate is based on one Tier 5 practice.
Yes we do. We offer cover for Sole Traders, Self-Employed, Freelancers & Students.
Yes, absolutely! You can easily add additional business practices to your policy at any time through your online account—no need to call or email.
If the new practice falls within the same or a lower tier, there’s no extra charge. However, if it falls into a higher tier, there may be an additional cost, which will be clearly shown before you confirm the update.
Simply log in to your account, go to the Policy section, choose Edit business practices and choose what you want to add.
Important Note: If your update requires an additional payment, it must be paid in full at the time of the change—it cannot be spread across monthly instalments. Your updated coverage will still follow the original policy expiry date.
Our policy is 'Claims made' and covers Professional Indemnity, Public Liability, and Medical Malpractice Insurance under one simple policy. But what does that mean when it comes to claims?
Here’s an example:
You run a sports and health coaching business and have £1,000,000 in cover.
That’s £150,000 in claims—plus legal fees and reputation management costs
Since your policy covers all three types of insurance, and you report the claims promptly, we cover the costs up to your chosen limit.
In short: If a claim arises during your policy term and meets the policy criteria, we’ve got you covered—legal costs included.
There are 631 definitions here. Please use the search functions below to find what you are looking for. If you require help please call.
Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.
