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Contact Details

Phone: 01684 580771

E-mail: block@balens.co.uk

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A warm welcome from David Balen, Joe Balen, Josh Balen and all the staff here at Balens!

Balens are extremely pleased to be working alongside FNTP in offering their members discounted rates on insurance products with extremely comprehensive cover. If you are a member of FNTP, you will be eligible to take advantage of the FNTP Block Insurance Scheme.

Balens were founded in 1950 and are an ethical 4th Generation Family Brokerage with 40 staff and 60,000 plus clients. Nearly all of our business is dedicated to Health and Well-being Professionals and businesses including many not for Profit Organisations and Charities. We have been looking after Nutritional Therapists for over 21 years and have designed a Hybrid policy that we believe is one of the most comprehensive on the market including important features that some other policies may not include.

We believe that Insurance is based upon good quality relationships, good communication, trust and information that is clear, fair and not misleading. Our ethos, philosophy and founding principles are uncoloured by financial motives or political agendas and we try to be impartial at all times. Client support and service are the cornerstones of who we are and what we do.

How much does the policy cost?

This policy is for residents of Ireland. If you are in another country, please contact us to see if we can help. There is another scheme for residents of the UK, please see FNTP website for the form.
 
The indemnity limit is €6,000,000 per claim with an unlimited number of claims in the year and unlimited defence costs are covered in addition and there is no excess.

Member premium is €110.00 for a year and includes the legal and taxation package along with many other therapies/activities subject to suitable qualifications held.

Student premium for case study work is €30.00

We do not charge for routine changes, adding standard therapies/activities through the year or replacement schedules!
 


How do I take out this policy?

There are 4 options:-

Option 1

Click on the download button "FNTP form" (UK only) at the top right of this page and then print, complete and return the brief form to Balens making cheques payable to Balens Ltd or to pay by card, please write details on a separate sheet. If you do not want to post card details, send your form to us and request that we call you to take these details over the phone. Please note that we will not need to see copies of qualifications for any therapies that you are registered with FNTP for but if you want cover for other therapies/activities then please send a copy of your qualification.

Option 2

Click the get quote button above on the right and you will be able to sign up on line SECURELY using your ccredit card. Your certificate of insurance and policy documents will then be e-mailed to you by return after completion.

Option 3

Call:-01684 580771 and request a copy of the FNTP Insurance scheme form for you to complete an return if you are unable to print a copy from this site.

Option 4

Call us on 01684 580771 and we can sign you up over the phone by asking you some brief questions and taking payment.

Please note that it is a condition of the insurance policy that you remain a member of FNTP at all times in order to receive the discounted rates.

What is included in the policy?

The insurer for the Professional Liability policy is Zurich PLC. The Cover is €6,000,000 per section, any one claim, with an unlimited number of claims in the year, plus unlimited defence costs are covered in addition, no excess.

  • Cover includes Medical Malpractice, Professional Indemnity, Public / Products Liability
  • Includes Libel and Slander cover.
  • Full Professional Liability retroactive cover for previously insured work performed.
  • Loss of Reputation expenses to help repair damage to your business in event of  a claim against you.
  • Breach of Intellectual Property.
  • Client Confidentiality Protection cover.
  • Temporary Trips abroad are covered without a time limit (ex USA and Canada).
  • Loss of Documents cover included €75,000
  • First Aid cover as well as Good Samaritan Acts
  • Run off cover on stopping the policy for any reason is included whether your scheme stays with this insurer or not at no charge whatsoever! There are no restrictions or conditions. This is a Major improvement on what is often available through other insurers who use Claims Made policies where you would need to request Run-off cover if stopping the policy to make sure you have cover in place if a claim was made down the line after stopping the policy. Some companies only offer 3 years which is not long enough! Others can charge for this.
  • We include an upgrade of cover feature on Zurich Policy that protects you against the effects of inflation and rising court awards - this cover is a pioneering hybrid offering the advantages of a claims occurrence policy with features normally only found on a claims made policy, but with none of the disadvantages,
  • our definition of a "Health Professional " or  "Health Business" and the various types of situation covered is extremely wide. We can cover over 3,000 different therapies/activities under the one policy.
  • Flexible underwriting to accommodate changes in your practice, fast turnaround of documents and queries and no additional charges for routine changes to cover or duplicate certificates.
  • We also include our Legal and Taxation Policy through DAS that offers up to €150,000 cover for Defence of your legal rights involving Criminal Proceedings as well as Data Protection and other legislation cover, wrongful arrest, actions against you for unlawful discrimination etc. Negotiation and representation (including accountants fees) in event of Revenue Commissioners partial or full enquiry(Some accountants have been known to charge over £90 for this alone!), Business Assistance Helpline for emergencies involving your premises,  Disciplinary Hearings Defence and Legal Expenses if you lose your Statutory Licence to practise, Wide range of free 24 hour Advice lines, including Legal/Tax Advice, Counselling and business support services and Jury or Witness Service Compensation.

 

The policy is on a Claims Occurring Basis, but with a unique upgrade feature. Our policy is a uniquely designed "hybrid" policy incorporating the advantages of a Claims Made and Claims Occurring wording without their disadvantages.

With the Balen policy, if you do not renew the policy, cancel midway or cease practicing, unlimited run-off cover is included free of charge meaning that if a claim was made against you after you stopped the policy, for work you did in the policy period, you would be covered through Balens.

This is a Major improvement on what is often available through some other insurers offering a Claims Made policy. If you are considering taking out this type of policy, you must find out beforehand what the procedures are if you ever stop the policy as there may be no cover in place if a claim was made against you years down the line for work done in the insured period. Some policies will include Run-off cover automatically and some will require you to request it. If it is included, it will vary between providers on how much cover they will give, some providers only offer 2 or 3 years. The statute of limitation states that someone could bring a claim against you 3-6 years from date of discovery of a problem, the statute regarding children is 3 years from date of majority, and Courts may overturn this statute and there is no limitation period regarding mentally disabled patients.