Frequently
Asked Questions

Claim processing times vary depending on the complexity of the case and the information provided. That is why it is in your best interests to submit complete documentation at the earliest opportunity.

Under your policy with Westminster, you're required to retain client records (such as session notes, contracts, and related correspondence) for at least 7 years. This retention period is a condition of cover.

GDPR guidelines state that you should only keep personal data for as long as it is necessary for the purpose for which it was collected. However, GDPR does allow data to be kept for longer where there's a legitimate business interest or a legal obligation—which includes requirements of your insurance provider. 

Under your policy with Westminster, you're required to retain client records (such as session notes, contracts, and related correspondence) for at least 7 years. This retention period is a condition of cover.

GDPR guidelines state that you should only keep personal data for as long as it is necessary for the purpose for which it was collected. However, GDPR does allow data to be kept for longer where there's a legitimate business interest or a legal obligation—which may include requirements of your insurance provider. 

Our policy wording does not exclude the use of CBD products. However, their use must comply with all applicable guidance, rules, and regulations set by the FSA.

Please also note that any additional exclusions relating to CBD products will be outlined in the practice definition, so it’s important to review them carefully. 

The whole process from start to finish is all online and takes a matter of minutes, with no scanning or uploading required the whole process is quick and easy

The cover is in place immeditaly and creating a quote only takes a couple of minutes

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.

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.

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.

Even though some company insurance is required by law, not all of it is! If you have employees, (or other workers that you are legally responsible for) you must get Employer's Liabity insurance. Other types like Professional Indemnity or Public Liability can save you from huge unexpected costs, and are strongly advisable but may not be legally required.

Lack of business insurance can jeopardize your reputation, impact your finances and in the worst case cause the loss of your business and/or personal assets. If you have employees, you could face fines of up to £2,500 per day for not having Employers' Liability Insurance. Without Public Liability insurance, you may be subject to costly claims if a client or member of the public is hurt or their property is harmed. If you provide professional services or advice, Professional Indemnity insurance protects you from negligience claims. Without it, you would have to be responsible to cover all your legal fees and damages.

Having the right insurance can safeguard your business from unforeseen challenges, even if it is not legally needed.

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!

Not to worry! Many individuals or small businesses who work remotely or from home rather than an office or other dedicated work space, use their home address as their business address. This is fine! Just make sure the address is one where you get any official correspondence, including with HMRC and customers.

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.

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 authorised and regulated by the Financial Conduct Authority. Registration number 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 FCA.

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 business 'income' otherwise known as turnover or revenue helps to give us an indication of the size of your business.

We provide insurance to businesses with no income, right up to a maximum of £1,250,000 pa. Remember, this is not profit (after taxes and expenses), but the total revenue of your business.

The revenue we discuss here is the income generated from the business practices to be covered by this insurance. That may NOT be the total business revenue if the business engages in some practices NOT covered by this insurance. 

The revenue level will have an impact on the premium.

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

It’s easy! Just click the “Get a Quote” button anywhere on our website. Answer a few simple questions to get your quote. You can then save it for later or buy your policy right away.

 When you purchase, choose monthly or yearly payments by Credit or Debit Card. Once your payment is approved, your policy is issued immediately and emailed to you.

 For more details, check out the “How it Works” section under Help and Support, or give us a call—we love to chat!

You don't 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.

During the quote application you provide information, and are asked to check certain details on our site to make sure the coverage is suitable for you. Before purchasing the policy we ask that you confirm some 'Statements of Fact' which include questions re qualifications, previous claims, etc. and you tick to confirm acceptance of our Agreement. This is an electronically saved declaration.

 The policy is issued on the basis that you have been honest in the information and answers you have given. This makes the process very quick and easy for you.

 In the event of a Claim the Insurers may request evidence to support the information you have provided. If it is found to be false, the Insurers may decline to respond to the Claim.

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, 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. 

Yes, we cover Limited Companies, from those with only 1 person to larger businesses with up to 20 people.

Yes, you can get insurance even if you have just started. In fact, this is exactly when you should get insurance.

Yes we do. We offer cover for Sole Traders, Self-Employed, Freelancers & Students.

Our policy does not cover a retail store itself—but it can cover products and services that are directly related to your professional practice.

For example, if you sell products as part of your covered business activities (such as skincare for a beauty therapist or equipment for a personal trainer), those sales may be included. However, if you are running a standalone retail business, you may need a separate retail insurance policy.

In the event of a claim, the insurer will check whether the product sale was an extension of your business practice or if it was a separate retail operation. If your store is primarily selling products rather than offering services, standard retail insurance may be more suitable.

There are 5 key dates relating to your policy and coverage.

‘Policy Start Date’ and ‘Policy End Date’. This is the policy term and usually these dates are 1 year apart. You are covered for valid claims made during the policy term, dependent on the ‘occurrence date’ and ‘retroactive date’.

‘Occurrence date’ is the date on which the incident happened, that later gives rise to a claim.

‘Claim date’ is the date you first know of a claim and the insurers are informed.

‘Retroactive date’ is the date after which the date of occurrence must be in order for it to be considered.

In a lot of cases yes, you can, (but check for any conditions stated in the definition of your business practice). You must also comply with the law and the following measures. If your service involves minors, please make sure to:

• Obtain consent from the legal guardian.
• If someone else (like a step-parent) is acting on behalf of the guardian, get written permission from the legal guardian.
• Keep all consent forms and authorisations on file.

If this policy is cancelled after the fourteen (14) day cooling off period or following notice of cancellation by us, provided you have not made a claim, you will be entitled to a refund of any premium paid, subject to a deduction of a £35 policy fee and for any time for which you have been covered. This will be calculated on a pro rata basis based on the number of days covered.

You can easily update you email, and any other account details through your accound dashboard. Simply login to your account and under 'Your Details' page, use the edit option to make changes to your contact details.

That's not a problem. Cancelling your policy is easy. Login to your Account page and choose the 'Your Policy' tab. Scroll to the bottom to find the 'Cancel Policy' option. Follow the instructions to complete the cancellation. Once completed any refund due will be paid, and the revised documentation sent to you. If you do not see the 'Cancel Policy' option it is likely that your policy is within the renewal period when changes cannot be made. In this event, please contact us and we will assist you.

Cancelling within 14 days (Cooling-Off Period)

If you cancel within 14 days of receiving your policy documents or from the policy start date (whichever is later), you’ll receive a full refund, minus a £15 admin fee, as long as you haven’t made a Claim. Your policy will be cancelled as if it never existed.

Cancelling after 14 days

If you paid the annual premium for the policy and it is cancelled after the fourteen (14) day cooling off period or following notice of cancellation by us, provided you have not made a Claim, you will be entitled to a refund of any premium paid, subject to a deduction of a £35 policy fee and for any time for which you have been covered. This will be calculated on a pro rata basis based on the number of days covered.

If you pay in monthly instalments, the dates of your policy coverage will be adjusted to the period you have paid for. In this case, no refund is issued for cancellations. If you have made a Claim, all instalments are payable.

Yes, you can. We have several types of additional cover products available like Employers Liability, Workplace Contents, Portable Business Equipment, Personal Accident Cover and Cyber Liability cover. 

To add any of these to your existing policy simply log in to your Account and go to the 'Your Policy' tab. Scroll down to add cover products and manage products you have already included.

Our business insurance policies are annual policies, designed to stay in place for the full year. While you have the option to pay in monthly instalments, this does not make it a monthly policy—it simply spreads the cost over time.

Cancelling within 14 days (Cooling-Off Period)

If you cancel within 14 days of receiving your policy documents or from the policy start date (whichever is later), you’ll receive a full refund, minus a £15 admin fee, as long as you haven’t made a claim. Your policy will be cancelled as if it never existed.

Cancelling after 14 days

If you cancel after the 14-day cooling-off period, and have paid for your policy in full, you’ll receive a pro-rata refund for the time you haven’t used, minus a £35 admin fee, as long as you haven’t made a claim.

If you pay in monthly instalments, the dates of your policy coverage will be adjusted to the period you have paid for. In this case, no refund is issued for cancellations.

No Refund If a Claim Has Been Made

If you have made a claim—even a partial one—no refund will be given.

If you need to cancel, please login to your account, and use the Cancel option at the bottom of the Policy section.

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.

Yes, you can. We have 4 different cover levels - £1 million, £2 million, £5 million and £10 million. You may choose any of these when renewing your Policy but please note that £10 million has certain restrictions.

To increase the cover level on your existing Policy simply login to your Account, go the the Policy tab, and select Edit to choose the cover level you want. £10 million cover is not available throuugh your Account so if you want this, please contact us.

Contraindications—symptoms or medical conditions that make certain treatments unsafe—must be carefully evaluated before each session. A thorough consultation should cover the client’s medical history, allergies, and medications, and they should sign a consent form confirming the information provided. If a contraindication is present, adapt the treatment accordingly or obtain a doctor’s approval if the client still wishes to proceed.

If the client is unable to obtain the doctor's approval in writing and has only verbal approval, they must sign to confirm that thay have consulted with their doctor and obtained verbal approval.

In the absence of the doctor's approval, or in the event that the client wishes to continue with the treatment against recommendation, treatment should not be provided.  Even with a signed waiver form from the client confirming their consent, this may not be sufficient protection for you in the event of a claim.

Yes! Public Liability covers physical damage, while Professional Indemnity protects against negligence claims - that you did something you shouldn't have done, or that you didn't do something you should have done. Our policy includes both Public Liability and Professional Indemntity so you are fully covered.

Public Liability Insurance protects you if someone claims your business caused them injury or property damage. This applies to any member of the public, not just clients.

It covers incidents not directly related to your professional work but that still happen due to your business activities.

Example Scenario:

A visitor walks into your office, trips over an item left on the floor, and suffers a nasty head injury - easily done, isn't it? They could claim for medical costs and compensation which easily amount to thousands of pounts. Public Liability Insurance covers these types of claims, helping protect you from financial loss.

In short, it’s a safety net for unexpected accidents involving third parties.

We all make mistakes—or sometimes, clients think we have, even when we haven’t. Could your business handle the financial impact of a legal claim?

Example Scenario:

During a coaching session, you give advice that a client later claims was misleading or harmful. Perhaps they left their job and haven't been able to secure a new one - they blame you. They make a claim against your business for financial compensation to cover their loss of income and the mental distress it caused.

Of course, you may have done nothing wrong, but even so, you have to pay legal fees to defend your position - this and potential payouts can be crippling.

How Professional Indemnity Insurance Protects You

Also known as Malpractice Insurance, this cover protects you against valid Claims that arise from you practicing your professional service. It ensures you won’t have to pay out of pocket if a client makes a Claim over something you did—or didn’t do.

For any professional offering advice, expertise, or services, this insurance is a must-have safety net.

The Territorial Limits are the countries and territories where the policy will provide cover to the Policyholder. This is where the policy will accept the serving of formal legal action against the Policyholder. The insurers will respond to a valid claim from a country or territory within the Territorial Limits of the policy, and the courts of the country from which the claim arises shall have the jurisdiction to hear the dispute arising out of the contract.

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.

• A visitor trips at your office and breaks their arm. They claim £50,000 under Public Liability Insurance.
• A client claims your coaching didn’t deliver results and says it cost them their job. They claim £100,000 under Professional Indemnity Insurance.

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.

The Law and Jurisdiction of the policy is specified as ‘The Law of England and Wales’. Law and jurisdiction are two different matters. 'Law states what country's laws are to apply to the contract, and the 'Jurisdiction' is which country's courts are to have jurisdiction. Both are in relation to disputes arising out of the contract between the Insurer and the Policyholder.

Our policy is what is termed a ‘Claims made policy’. That means the insurers will consider a claim that they are advised of (and you must tell them at once!) during the policy year. The incident that caused the claim could have occurred in the recent past – and it could have been years before, provided the incident occurred AFTER the retroactive date. Our policy has no retroactive date and therefore our policy covers you during the policy term for an incident that could have occurred at any time in the past, provided that, at the inception of the policy you were not aware there was a possibility that the incident could lead to a claim.

No, you are not covered if you work outside the insured group.

Here’s why:

This insurance only covers the policyholder, which in this case, is the group. If a claim is made, it must be against the party responsible for the service provided.

If the group was responsible for the service, the insurance may cover the claim—including work done by individuals on behalf of the group.

However, if you personally provided a service outside of the group (even if you are a member), you are not covered. The claim would be made against you as an individual, not the group’s insurance policy.

In short: If the group is insured, the group is covered. If you work outside of it, you are not.

It depends on what you actually do at the pamper party.

If you are providing treatments, therapies, or services that are already covered under your policy, then yes, you’re covered—at no extra cost.

However, it’s important to check the specific descriptions of the services covered in your policy. If what you offer at the pamper party falls outside of those, you may need additional coverage.

Before hosting group sessions, review your policy details to ensure everything you do is included. If you're unsure, feel free to contact us for guidance.

Yes, your business can still be covered, even if employees or directors live abroad.

However, what truly matters is where the business operates and where any claim is made—not where individuals reside.

Our policy covers the policyholder (whether that’s an individual, company, or group) for claims made for services provided within the Territorial Limits, and will be subject to UK jurisdiction. This means:

• the claim must be filed in the UK
• the policyholder must have a UK-registered address
• the claim must be written in English
• the service from which the claim arises must have been provided in the Territotial Limits
• the business activity must be covered under the policy

So, while, for example a director living in Singapore (or any other country) does not affect the policy, it does not mean claims from anywhere in the world will be accepted. Only claims falling under UK jurisdiction will be considered.

Our policy is a Claims Made policy.

This combined with a Nil Retroactive Date means that your insurance will cover Claims that you first become aware of and report during your policy period, even if the incident happened long before, provided that when you purchased the insurance you had no reason to believe that there were any past events that might lead to a Claim. If you think there might be, you must disclose this during the quote application.

The key dates that matter are:

• the date on which the event took place, from which the Claim arises
• when you first become aware of the Claim
• when you report it to the insurer
• your policy’s Retroactive Date (the cause of the Claim must be after this date)

If your policy has no retroactive date (shown as 'Nil') you are protected for past work as long as you keep renewing the policy. However, if you stop working, you’ll need ‘run-off’ cover, which keeps you protected against future Caims related to past work.

A Claims Arising policy works differently. It only covers Claims that occurred during the active policy period, meaning the insurer who covered you at that time will handle the Claim—no matter how many years later it’s reported.

Important: If you ever switch from a Claims Made policy to a Claims Arising policy, you could end up losing past coverage if you’re not careful. Always check before making any changes to ensure you stay protected.

Yes. Cyber Liability is an optional add-on to your Westminster Combined Business Insurance policy of Professional Indemnity, Public Liability and Medical Malpractice policy, and it can sit alongside other add-ons such as Employers' Liability as part of your overall cover. Keeping everything on one policy makes it simpler to manage — and simpler to claim if a single incident affects more than one area. Get a quote from Westminster Insurance to see what combination works for your business.

With Westminster's Cyber Liability cover, you must notify us immediately as soon as you discover a cyber incident — by submitting the cliam via your online account. Prompt notification helps us support you and handle the claim effectively, and a delay could affect how your claim is dealt with. It's worth having an internal reporting procedure in place before anything happens, so your team knows to tell us straight away.

Yes — and these are conditions of the policy, so a claim may not be paid if they aren't met. Westminster asks you to: keep up-to-date anti-virus software and a firewall in place; encrypt and control access to your systems and devices (including mobile devices and USB media that hold personal data); secure your wireless network; log and monitor user activity; back up your data at least monthly; and promptly cancel any login that may have been compromised. Check the policy wording for the full list of requirements.

When you apply for Cyber and Data cover you are asked to confirm that:

e. You encrypt all mobile computing devices (for example laptops, tablets, mobile telephones, PDAs) and portable data storage media (for example USB sticks, flash drive, magnetic tapes) which store, process or have access to personal data.

Encryption in this context would be, sufficient password protection and up to date antivirus software on all devices mentioned.

Getting add on cover such as, Cyber Liability is quick and easy, whether you're getting a new policy or adding cover to an existing one.

1. Need a New Policy?

 - Get an instant quote by clicking ‘Get a Quote’.

 - Answer a few quick questions—it only takes a few minutes.

 - Include Cyber Liability Cover

 - Save your quote for later or proceed to purchase.

 - Pay securely by credit or debit card and receive your policy documents immediately via email.

2. Adding to an Existing Policy?

 - Log in to your account and go to 'Your Policy' section.

 - Next to Cyber Liability, click add.

 - See the cost before confirming.

 - Choose your cover level, pay, and receive your updated policy documents instantly.

The cost for Cyber liability cover is as little as £40 per year or £3.33 per month plus tax. When you think that's about the same as a cup of coffee each month to keep your business safe from malicious attack, then it's worth every penny.

You are also able to choose the cover level to suit your needs:

£15,000 -- £40 + tax

£25,000 -- £75 + tax

£50,000 -- £120 + tax

£100,000 -- £200 + tax

Westminster's Cyber Liability cover is focused on your own computer systems and your own legal liability — for example, a hacker damaging your systems, a data breach, or a virus you unintentionally pass on. It isn't designed to cover losses caused by a third-party supplier, cloud provider or outsourced IT service, and outages caused by an internet service provider or utility provider are specifically excluded. If supplier-related risk is a concern, it's best to check the cover directly with Westminster and to ask your suppliers about their own cover.

There's no direct compensation for long-term reputational loss (and lost income or business is excluded). However, following a covered claim and with our prior agreement, the policy can help with the costs of protecting your reputation — public relations support, advertising and publicity, customer communications, and credit monitoring for affected individuals. If reputation support matters to you, get a quote from Westminster to see what's included.

This depends on whether or not you have overseas coverage on your policy. You can check this looking at the Territorial Limits on your Schedule. If you have then the insurers will respond to a claim that arises within the Territorial Limits.

Cyber Liability cover is an add on coverage. Once you have added an additional area of cover, such as Cyber Liability to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.

Occupational illnesses can take years to surface. Because your cover is provided on a claims-made basis, what matters is having a valid policy in force at the time the claim is made — with a retroactive date early enough to cover the original period of employment. That's why keeping continuous cover is so important: if you let the policy lapse, a claim brought by a former employee later on may not be covered unless run-off cover is in place.

Yes. With Westminster, Employer's Liability is an optional add-on that sits on your Professional Indemnity, Public Liability and Medical Malpractice policy — so your employers' and public liability cover live together on a single policy, which is simpler to manage and to claim against. Combining cover this way is also often more cost-effective. Get a quote from Westminster to see what works for your business.

In certain circumstances, yes. If you're a sole trader working on your own with no staff (and no volunteers or interns), or a business whose only employees are close family members, you're not required to hold it. For everyone else with employees, interns and volunteers employers' liability insurance in the UK is a legal requirement, with a minimum of £5 million of cover.

The law no longer sets a fixed retention period (the old 40-year rule was removed in 2008), but it's strongly recommended that you keep your employers' liability certificates and related records for as long as possible — 40 years remains a sensible benchmark. That's because occupational disease claims can surface decades after the relevant employment, and good records let you evidence the cover you held at the time.

Employers Liability insurance provides compensation to employees in the event that they have a valid claim of bodily injury, sickness, disability or disease caused by the work they carried out as part of their employment with you. It will also cover the legal costs involved in the claim.

As a sole trader working solely on your own then you do not need Employers Liability Insurance.

However, if you have employees or anyone who would be regarded as an ‘employee’ for the purposes of this insurance then you would be subject to the same regulations.

The Employer Liability insurance provides £5 million cover which we has been selected as the most appropriate to meet the needs of our customers. 

The cost per employee is: £65 + tax

Getting add on cover such as, Employer's Liability is quick and easy, whether you're getting a new policy or adding cover to an existing one.

1. On a New Policy?

 - Get an instant quote by clicking ‘Get a Quote’.

 - Answer a few quick questions—it only takes a few minutes.

 - Include the Employer's Liability Cover

 - Save your quote for later or proceed to purchase.

 - Pay securely by credit or debit card and receive your policy documents immediately via email.

2. Adding to an Existing Policy?

 - Log in to your account and go to 'Your Policy' section.

 - Next to Employers Liability, click add.

 - See the cost before confirming.

 - Choose your cover level, pay, and receive your updated policy documents instantly.

Yes, in most cases. If an employee is injured while carrying out work-related tasks from home, the injury is still considered work-related, and your policy should respond as it would for an officebased claim — provided they're working within the policy's territorial limits. Westminster's Employer's Liability cover is UK-based and doesn't include overseas working.

In accordance with the Employer's Liability (Compulsory Insurance) Act 1969, Section 2, if you have 'employees' then it is a legal requirement to have a minimum of £5 million of employer's liability insurance. Failure to have this insurance in place can result in a fine of £2,500 for every day you are not insured.

We offer Employers Liability insurance for up to 20 employees.

Employer's Liability cover is an add on coverage. Once you have added an additional area of cover, such as Employers Liability to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.

To decide on the right level of cover, weigh up your business size, the value of your contents, and your security setup. It's worth insuring for the full replacement value, as a claim can be reduced proportionately if your sum insured is lower than the actual value. If you're unsure, get in touch with the Westminster Insurance team and we'll help you get a quote tailored to your needs.

Yes — businesses of any size or stage, including startups, can add Workplace Contents cover to their Westminster business insurance policy. With five cover levels available (up to £100,000), you can find an option that suits your current needs and budget.

There are four different cover limits available for Workplace Contents cover so you can choose the most appropriate to suit your needs.

The costs are:

£5,000 -- £20 + tax

£10,000 -- £40 + tax

£20,000 -- £80 + tax

£50,000 -- £160 + tax

£100,000 -- £300 + tax

Getting add on cover such as, Workplace Contents is quick and easy, whether you're getting a new policy or adding cover to an existing one.

1. Need a New Policy?

 - Get an instant quote by clicking ‘Get a Quote’.

 - Answer a few quick questions—it only takes a few minutes.

 - Include Workplace Contents Cover.

 - Save your quote for later or proceed to purchase.

 - Pay securely by credit or debit card and receive your policy documents immediately via email.

2. Adding to an Existing Policy?

 - Log in to your account and go to 'Your Policy' section.

 - Next to Workplace Contents, click add.

 - See the cost before confirming.

 - Choose your cover level, pay, and receive your updated policy documents instantly.

Yes — Workplace Contents can be insured across more than one location, such as your office, salon, additional business premises, or items in transit, as long as they're within the territorial limits of your policy. Bear in mind that cover for contents stored away from your workplace is time-limited (up to 180 days) and doesn't include laptops, mobile phones or portable equipment — those are better protected by our Portable Equipment cover.

Yes, the policy can cover loss or damage to your belongings while in transit. However, items damaged due to poor packaging or incorrect addressing, or not taking the right measures to ensure security are not covered.

Yes, any fixed, plain or wired glass or mirror at the office is covered by our Workplace Contents policy

The policy wording for Workplace contents includes the following definition:

“The contents of your office used in connection with your business which belong to you or for which you are legally responsible.”

Your business practices are specified on your Policy Schedule. If there are contents in your office which are for personal use only or used in connection with a business practice that is not specified on your policy, these would not be included within the coverage.

The Workplace Contents policy provides cover for when contents are 'in transit' provided that you have complied with the security requirements as specified on the policy, which includes the secure locking of the transport vehicle. Please refer to the policy wording for full details.

Your policy provides cover for the replacement of locks, lock mechanisms and keys necessary to maintain the security of your office following theft of the keys. This is subject to the policy excess.

You can easily change your cover level yourself by logging into your account, or contact our team if you are unsure. Keep in mind you can't make any changes during the renewal period, which starts six weeks before your policy's expiry date.

Workplace contents cover is an add on coverage. Once you have added an additional area of cover, such as Workplace Contents to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.

A serious accident can turn your finances upside down overnight — and easing that worry is exactly what this cover is for. Rather than replacing your income month by month, it pays a single lump sum — the cover level you choose, from £25,000 to £100,000 — if an accident leads to your death or to a permanent disablement (the loss of sight, hearing, limb or speech that leaves you permanently unable to work for more than 12 months). If a claim is accepted and paid, the money is entirely yours to use however you need: steadying the household finances, retraining for a new path, or simply buying yourself some breathing space while you find your feet again.

Personal accident insurance is especially if your income depends on your ability to practise your trade. For self-employed professionals, a serious accident that prevents you from working long-term can have a lasting financial impact. Personal accident cover can provide financial support for exactly that scenario.

The cost for Personal Accident cover is as little as £35 per year or £2.92 per month plus tax, which is a minimal amount for the compensation offered.

You are also able to choose the cover level to suit your needs:

£25,000 —- £35 + tax

£50,000 —- £69 + tax

£100,000 —- £138 + tax

Getting add on cover such as, Personal Accident is quick and easy, whether you're getting a new policy or adding cover to an existing one.

1. On a New Policy?

- Get an instant quote by clicking ‘Get a Quote’.

- Answer a few quick questions—it only takes a few minutes.

- Include Personal Accident Cover

- Save your quote for later or proceed to purchase.

- Pay securely by credit or debit card and receive your policy documents immediately via email.

2. Adding to an Existing Policy?

- Log in to your account and go to 'Your Policy' section.

- Next to Personal Accident, click add.

- See the cost before confirming.

- Choose your cover level, pay, and receive your updated policy documents instantly.

It depends on the activity. Cover excludes injuries from professional sport of any kind, and from a specific list of higher-risk activities named in the policy: abseiling, boxing, caving, hunting, ice hockey, judo, martial arts, polo, potholing, sub-aqua diving, water skiing, winter sports and wrestling; mountaineering or rock-climbing that would normally need ropes or guides; and racing of any kind other than on foot or swimming (where no obstacle courses are involved). Aerial activities are also excluded, other than travelling as a passenger on a commercial airline. Everyday activities outside this list aren't excluded on these grounds — but always read the full policy wording for the complete list before relying on cover.

Personal accident cover is not a medical insurance policy and does not reimburse hospital stays, surgeries, or treatment costs. It pays a lump sum in the event of permanent disablement or death caused by an accidental injury. If a valid claim is accepted, that payment can be used however you choose — including to help manage costs during recovery or retraining.

Not unless they are also part of your business. Personal Accident Insurance from Westminster can include up to three people connected to the business, such as directors, partners, managers or employees. You choose one cover level that applies to everyone included, and the price is calculated per person.

Coverage is not available for individuals under 16 or over 65 years old.

Personal Accident protection does not cover disease and illness. It covers severe accidents causing long term disability or death.

It must be a specific accident that occurred during the term of cover.

It cannot be an accident that pre-dates the policy period.

Yes this policy will cover any eligible accident that is serious enough to stop you working in your field of business for at least a year.

Yes, you can.

The pricing and cover limits that we offer are per person and you can have up to 3 people, provided that they are people who are covered by your main Professional Indemnity, Public Liability and Medical Malpractice policy.

No, unfortunately you can't.

This cover is only available for those people who are included on your Professional Indemnity, Public Liability and Medical Malpractice policy.

Personal Accident cover is an add on coverage. Once you have added an additional area of cover, such as Personal Accident to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.

Portable Equipment is an optional add-on to a Westminster business insurance policy, and adding it is fully online and takes just a few minutes. Once payment is processed, your cover is active immediately, and your documents are emailed to you straight away.

Yes. If you buy new equipment and need to increase your cover (up to the £10,000 maximum), you can update your policy by logging in to your Westminster account or contacting the team directly. Note that changes cannot be made during the renewal period, which starts six weeks before your policy expiry date.

Getting add on cover such as, Portable Equipment is quick and easy, whether you're getting a new policy or adding cover to an existing one.

1. On a New Policy?

- Get an instant quote by clicking ‘Get a Quote’.

- Answer a few quick questions—it only takes a few minutes.

- Include Portable Equipment Cover

- Save your quote for later or proceed to purchase.

- Pay securely by credit or debit card and receive your policy documents immediately via email.

2. Adding to an Existing Policy?

- Log in to your account and go to 'Your Policy' section.

- Next to Portable Equipment, click add.

- See the cost before confirming.

- Choose your cover level, pay, and receive your updated policy documents instantly.

The cover limit available for Portable Business Equipment insurance has been chosen as the most appropriate to meet the needs of our customers.

The costs is:

£2,000  -   £40 + tax

£5,000 -   £80 + tax

£10,000  -  £125 + tax

Portable equipment insurance covers the practical, movable items you use to earn money — everyday tools, portable machinery, laptops, tablets, mobile phones and other professional kit you carry or move between locations. As long as it's portable business equipment, it can usually be covered. (Fixed items that stay put at your premises, such as desks and fixtures, fall under Workplace Contents instead.) With Westminster, you can choose from three cover levels — up to £10,000 — to find the one that best suits your needs.

The primary advantage of portable equipment is that you can carry it with you and transport it from place to place — so cover can apply across different locations, at the places you work and while your kit is in transit or temporarily stored. The main condition is that you safeguard it sensibly and meet the security requirements in your policy — for example, keeping unattended equipment in a securely locked room or building, and out of sight in a locked vehicle. It's always worth checking the exact conditions in your policy wording.

Portable equipment insurance does not cover breakdowns. The policy focuses on accidental damage, loss, or theft. 

In most cases. If you take your kit to the client's property, a job site, where you are carrying out your work, cover can apply (provided you meet the security and safeguarding conditions set out in your policy). Your equipment is also covered while it's in transit between locations. Should you have a specific scenario in mind, it is always best to check the conditions directly with Westminster.

The short answer would be no. Renting your equipment to clients is not included in the portable business equipment cover.

The Portable Business Equipment is designed to cover the tools you use in your line of work, such as laptops, mobile phones, camera, video equipment, tools and more but it does not cover the renting out of tools or equipment to your customers.

If you are renting your equipment, you need to make sure the recipients arrange their own cover.

Portable Equipment cover is an add on coverage. Once you have added an additional area of cover, such as Portable Equipment cover to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.

You must always follow the guidance from your governing body and act within the guidelines of your profession. Do your due dilligence and make sure the person you re prescribing to is insured to provide that service.

When prescribing Botulin Toxin A and dermal fillers it must involve an in-person, face-to-face consultation before the first treatment. For returning clients, this should be repeated every 3 years thereafter, or after 8 prescriptions (whichever comes first), with online visually connected prescriptions acceptable in the interim period.

You must always follow the guidance from your governing body and act within the guidelines of your profession.  Do your due diligence and make sure the person you are prescribing to is insured to provide that service.

No. We only provide PI cover within a combined policy that also includes other essential business insurance types: public liability and medical malpractice. This makes it ideal professional indemnity insurance for small businesses, self-employed professionals and sole traders. It reduces gaps in protection and makes it simpler for you to manage all three covers under a single policy and renewal date. It also allows you to add extras depending on your needs. You get comprehensive protection without juggling multiple insurers.

It is designed to cover claims of negligence, mistakes, wrong advice or omissions in your professional work. Professional indemnity insurance, sometimes known as Professional liability insurance, can pay legal defence costs and compensation within the policy limit if a claim is accepted. Other types of loss, such as some injuries or property damage, may fall under the public liability or medical malpractice parts of the same combined policy. The policy wording sets out full details.

Yes. You can buy professional indemnity cover through Westminster Insurance and get protected the same day. Start by obtaining a quote. Fill in our registration form with details about your business and services, review the combined quote, and pay the indicated amount. Policy documents, such as your insurance certificate and schedule arrive by email within minutes and are accessible via your accoint, and cover begins immediately.

The price of PI insurance depends on the specifics of your business. It takes into account what you do, your turnover, your chosen cover limit and your combined policy's overall risk profile. Complete our online quote process for an accurate figure — and remember, the cost includes all sections of our core business insurance, not just professional indemnity.

A professional indemnity insurance cover (also known as PII) is a type of protection that applies to situations when a client claims your professional advice, design, treatment or service caused them financial loss or harm. Specifically, it’s designed to help you investigate such claims, pay for legal services, and provide compensation up to a set limit. With Westminster Insurance, you get PII included as part of a combined package that also covers public liability and medical malpractice. This way, you only need one contract for comprehensive cover.

Business indemnity insurance is likely necessary if you provide such services as coaching, consulting, training, therapy or aesthetic treatments, where clients rely on your skill, judgement, service or advice. Some regulators, professional bodies and client contracts specifically demand proof of PII cover. We include it in the combined policy that provides three types of essential business protection: professional indemnity, public liability and medical malpractice.

Westminster Insurance does not offer malpractice insurance separately, on it's own. It’s only available as part of a package that also includes professional indemnity and public liability. This helps reduce gaps in cover across different claim types and makes managing your insurance simpler.

Extra coverage, no extra cost.

Absolutely. To arrange medical malpractice cover online, answer a short set of questions on our form, get a combined quote, and complete your payment. Once your payment is processed, you will receive your policy documents within minutes. With our bundle, medical malpractice, professional indemnity, and public liability protection all start together under one policy.

The medical malpractice insurance cost depends on your specialism, the risk levels of the procedures you perform, your turnover, the number of practitioners requiring cover, your claims history, and your chosen level of cover. With Westminster Insurance, medical malpractice is included with our combined package, so it’s not priced separately. Get a quote online, tailored to your circumstances, in minutes.

Malpractice insurance can cover legal defence fees, expert support expenses, and compensation within the policy limit. It does not apply to claims linked to deliberate acts, services outside your declared scope of practice, or financial losses without physical or psychological harm. However, Westminster Insurance provides this latter cover as part of a combined business insurance package that applies to a wider range of claims.

It’s a type of insurance that helps protect healthcare and treatment professionals when a patient alleges harm due to service or treatment. It can assist with legal fees, the cost of expert support, and compensation within the policy's limits. We provide malpractice insurance as part of a combined package that also includes professional indemnity and public liability cover, so you get more extensive protection under a single policy.

Malpractice insurance is usually an important part of protecting your practice when you provide any treatment where a bodily injury, mental injury, illness, disease or death could occur. Even when recognised standards are followed, patients may still make claims, and malpractice cover can help you respond to them and resolve the situation. It’s also common for regulators, professional organisations, hospitals, or partner clinics to ask for proof of malpractice cover.

We offer medical malpractice insurance in the UK as part of our combined policy, which also includes professional indemnity and public liability.

PLI can support your business when members of the public claim they were injured or their belongings were damaged due to your work. It assists with legal expenses and compensation within policy limits. This does not apply to claims associated with injuries to your own employees (Covered by Employer's Liability Insurance), damage to your own property, or deliberate actions.

With Westminster Insurance, certain claims might be managed under the professional indemnity or medical malpractice category within the same combined policy or covered by optional policy add-ons.

Absolutely. Just fill in the form on our website to receive an online insurance quote, accept the policy, and complete your payment and you will receive your policy documents instantly. With Westminster Insurance, you receive public liability, professional indemnity, and medical malpractice cover all in one policy. There's no need to manage separate contracts with different start dates and premiums.

Westminster Insurance does not offer public liability insurance cover separately, on its own. Public Liability insurance is provided only as part of our combined business insurance, which also includes professional indemnity and medical malpractice cover. This bundle helps eliminate gaps between different types of insurance and means you can manage a single set of documents with one renewal date.

There is no fixed public liability insurance cost. It depends on such factors as your business type, services, turnover, any previous claims, and the amount of cover chosen in our combined policy. To get a quote, fill in the form on our website. The price will include public liability, professional indemnity, and medical malpractice cover.

Public Liability Insurance (PLI) is a type of insurance that applies when someone outside your business claims that your professional activities caused them injury or property damage. It can provide compensation payments and cover a range of related expenses, up to the limit set in your policy. We offer public liability insurance in the UK together with professional indemnity and medical malpractice cover under one policy.

PLI is helpful if your business involves face-to-face contact with clients. Additionally, owners of commercial premises, event organisers, or clients often require proof of this cover. When you choose to purchase a combined policy from us, public liability cover is included automatically.