Insurance cover for members of BACP

Price and Key points document:

• Full practitioner cover starts from £57.35*
• Student cover starts from £23.70*

*Including Insurance Premium Tax and fees.  

A Key Points document is available which summaries the policy features, conditions, extensions, and exclusions. 

What’s included in the policy:

• £6m Professional Liability: This covers your legal liability for any breach of your professional duty due to a negligent act, error or omission committed or alleged to have been committed.  The limit of liability selected will apply to any one claim and will cover an unlimited number of claims per policy year.
• £6m Public Liability: This covers your legal liability for accidental injury to any third party and or their property through acts of negligence. The limit of liability selected will apply to any one claim and will cover an unlimited number of claims per policy year.
• £6m Products Liability: This covers your legal liability for accidental injury to any third party and / or their property through the use, sale and / or distribution of defective products.  The limit of liability is for all claims during the year (aggregate) and covers an unlimited number of claims up to the limit of liability. This cover includes sale or distribution of products to your own clients connected with the therapies / activities that we insure. A turnover restriction of £30,000 applies for sales to non-clients in any one year. We have a separate Health Products Policy should your additional sales exceed this limit.

Additional features:

The policy provides cover for temporary work abroad (excluding cover for work in the USA and Canada) 

Past and future claims

Future claims after your policy ends

Your policy will cover claims arising from incidents that happened/occurred during the period the policy was in place, regardless of when the claim is made against you.  Even if your policy has expired.

This differs from other policies on the market that are on a ‘claims made’ basis where the policy must be in force at the time the claim is made/reported, not when the incident occurred.  So, if a claim is made against you, after your policy has expired, a ‘claims made’ policy may not provide coverage to defend the claim, always check with your previous policy provider.

With a ‘claims occurring’ policy, cover will respond providing the policy was in place at the time of the incident, and so, there is no need to purchase ‘run off’ cover after the expiry of your policy.

Unlimited retroactive cover

The policy includes unlimited retroactive cover which means cover will respond to work performed before the inception date of your Balens policy. The retroactive extension will apply providing you had an insurance policy in place at the time of the incident, and that policy will not respond (for example a ‘claims made’ policy as described above).

**There's a requirement that any claims made under the retroactive extension must be notified to you during the period of insurance with Balens and the previous policy in force at the time of the incident will not respond. Full details of any previous policy must be provided in the event of a claim.

Terms and conditions, limitations and exclusions apply. Please see the policy document which is available on request.

How to Apply

Choose the option most suitable to you:

Apply online:

• Click the “Get a quote” button above.
• During the application, upload copies of your qualifications.
• After payment, receive your insurance documents via email.

Got a question? Contact Balens by:

• Phone: 01684 580771
• Email: info@balens.co.uk
• We’ll send you a declaration form to complete and return.
• Payment options include card payment, cheque (payable to Balens Ltd), or bank transfer