Some alternative therapy companies buy Public Liability Insurance and think it provides them with the cover they need. However, when you read the small print, there is often a treatment exclusion or similar, which excludes cover for injury occurring as part of the treatment.
Typically, most Public Liability insurance policies for alternative therapists will have a treatment exclusion, unless specialist cover has been granted by the insurer.
Some insurers refer to the cover as medical malpractice cover, or treatment liability, or something similar.
Sometimes you can get this cover if you belong to any trade associations or bodies that relate to your work. It’s important to check your insurance carefully however, as these policies are often purchased by the organisation in bulk, and are ”one size fits all”, which is not always suitable.
If you’re not sure whether you have the right cover for your business, contact us for a no obligation review of your business insurance.
Evans Insurance Brokers – Independent Insurance Brokers Essex