THE I.P.T.I. THERAPISTS GROUP INSURANCE POLICY
A SUMMARY OF TERMS AND BENEFITS
The underwriters: The policy is underwritten by Novae Underwriting Limited underwriting for certain underwriters at Lloyd's, and is arranged through DSC Insurance Services.
The policy: Provides insurance protection for members of I.P.T.I. whilst performing therapies and treatments of which they are qualified practitioners.
Cover provided: Third party risks (ie. claims by clients and others against the therapist) including claims for loss and/or injury including legal costs in respect of:-
|Section 1||Treatments risks
Accidental injury and loss (Public liability)
Optional additional cover and policy extensions.
All risks equipment & products protection. This section protects therapists' personal business equipment and products against loss or damage.
Policy extensions: An individual member's cover may be extended to include:-
1) Insurance for part-time teaching of their professional skills.
2) Insurance for practical work compiling case studies whilst taking a course leading to further practitioner qualifications.
The workplace : The policy is effective wherever the therapist chooses to work. this can include their own home, the client's home, salon, clinic, leisure centre, public hall etc. Treatments performed during demonstrations or lectures are also included.
Therapies covered : The policy provides protection at a single premium rate for the widest range of therapies and treatments of any current policy (click here to view treatments covered). In addition a range of specialist therapies and treatments can also be insured on payment of a supplement premium.
Claims made wording: The policy is written on a "Claims Made" basis. A claims made policy covers claims reported during the policy term, provided the event that lead to the claim occurred after the retroactive date of the policy issued. If, for whatever reason, you do not continue to purchase cover, this means there is no cover in force for previous work undertaken. Therefore you will require 'Run Off' cover if you wish to be covered for previous work performed.
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