Health Product Providers

Balens have our own Health Product Providers Scheme at low cost and with some unique features:

£2M Public and Product Liability - specifically designed for what you do
£10m Employers Liability - for your Employees or Volunteers
£5,000 Contents
£5,000 Stock
£1,000 Goods-in-Transit
£100,000 12 month Business Interruption
£100,000 DAS Commercial Legal Defence Package

(Basic Minimum Package above- all of the above sums insured can be increased as required)

This policy will cover you for injury to persons or damage to their property, which is not as a result of treatment and extended to include product related advice and claims arising from product design, defective bottling and labelling.

Even if you are not manufacturing, the mere supply or involvement with a faulty product could render you legally liable. Under EEC Directives, the last person in the supply chain is initially held liable.

Exporting to other countries is covered (other than the USA or Canada), providing the claim is brought against you in the UK or Eire. There is no restriction on where the goods have been exported from.

Our comprehensive Products Liability covers the sale, supply, service, demonstration and alteration of goods or medicines in the event of an insured event causing injury or damage to others. We would point out that this extension is designed for businesses set up solely to market/supply/ sell products - we have specially designed policies for therapists supplying products as part of their practice, so please enquire separately for this.

In addition, the main perils covering your contents (or buildings) included are...

Fire, Storm, Flood, Accidental Damage or Loss, Theft following a break- in, Malicious Damage, Glass, Money and other relevant covers.
Equipment to be covered outside the premises and cover abroad may be arranged upon request.

Cover is further enhanced by our DAS Commercial Legal Defence Package, including Discrimination Defence, Employers Tribunals and Awards, 24 hour free Legal Helpline Tax and counselling Helplines.

A further unique feature is the Business Legal Service online, enabling you to search out standard legal documents and be brought up to the minute on changes to the Law which may affect you and your business

If you work from or see clients from home, don't forget to advise your home insurers, as many have restrictions. We have a very competitive and comprehensive solution for Household Insurance - please call us for a quote!