HERE TO HELP YOU MAKE THE RIGHT CHOICE
Find answers to the insurance questions we’re asked most often.
GENERAL QUESTIONS
What insurance types do we provide?
We provide tailored coverage for various risks, including treatment liability, accidents, property damage, employee injuries, and business interruption.
Is VAT charged on business insurance?
No, business insurance is not subject to VAT, but an Insurance Premium Tax (IPT) applies, included in all our quotes.
How much professional indemnity insurance is necessary?
The amount depends on your business’s risk, client demands, regulatory requirements, potential claim costs, project size, and industry norms. Typically, £1 million to £5 million is advisable, subject to regular review.
Is employers' liability insurance compulsory?
Yes, in the UK, if you have employees, it’s a legal requirement to protect against work-related injuries or illnesses, with significant fines for non-compliance.
What does 'excess' mean in insurance terms?
Excess is the amount you pay towards a claim before the insurer’s coverage begins.
YOUR DATA
How can I remove my data from your database?
Contact us via phone or email with your business name to request data removal.
How do I unsubscribe from marketing emails?
Click the ‘unsubscribe’ link in any marketing email or contact us directly via email.
MALPRACTICE INSURANCE
What is the distinction between Public Liability and Medical Malpractice insurance?
Public Liability covers third-party injury or property damage claims, while Medical Malpractice addresses claims arising from professional treatment errors.
What are the repercussions of not having Employers' Liability insurance?
Fines up to £2,500 per day, potential prosecution, vulnerability to employee claims, and enforcement actions can result.
What is 'run-off' coverage in insurance?
Run-off coverage protects against claims made for past treatments or services after you’ve ceased practicing, typically maintained for at least six years.
What is a 'retroactive date' in insurance policies?
It’s the date from which an incident is covered by the policy, excluding any incidents that occurred prior to this date.
What does 'Claims Made' policy mean?
It covers claims reported during the active policy period, regardless of when the incident occurred.
Why is Medical Malpractice Insurance important?
It safeguards healthcare professionals against claims of negligence or errors in patient care, covering legal costs and compensation.
Is Malpractice Insurance necessary?
Yes, if you’re in a profession where errors could harm others, such as healthcare, to protect against legal claims and financial losses.
What is 'Claims Occurring' coverage?
It covers incidents during the policy period, no matter when the claim is reported.
Does Public Liability cover employees?
No, it covers third-party claims, not employee injuries; Employers’ Liability is needed for that.
Is Public Liability legally required?
It’s not usually mandated by law but is essential for financial protection against third-party claims.
What is the difference between Public and Employers Liability?
Public Liability covers third-party claims; Employers’ Liability covers employee-related claims.
Must employees be informed about Employers Liability Insurance?
Yes, it’s legally required to inform employees about Employers’ Liability coverage, often by displaying the insurance certificate.
What does commercial combined insurance cover?
It offers comprehensive protection including property, liability and business interruption.
TAILORED INSURANCE FOR AESTHETICS
Ready to embark on the journey towards comprehensive insurance coverage?
Let’s connect and explore how we can tailor a solution to meet your specific needs and aspirations in the aesthetics industry