for
Hypnotherapists
Introduction
Cover has been specifically designed to cover all of your work as a Hypnotherapist or Psychotherapist including, where appropriate, your work as an Educator, Trainer or Supervisor.
The policy provides, as standard, up to £10 million for claims against you for causing death, bodily or personal injury and property damage (other than those arising from Malpractice). You have a choice of three limits of indemnity for other civil claims (including those arising from Malpractice). There is an option to extend the policy to provide cover for Employer's Liability.
What does it cost
The cost of the insurance depends on your choice of Civil Liability Limit; the options are:
£1.5 million at £61.00
£3 million at £71.00
£5 million at £101.00
The chosen limit applies to each and every claim and the cost is the total annual cost including tax. Unlike some providers of Professional Liability Insurance, we do not charge an admin fee.
The Primary Cover
The policy is a full Civil Liability insurance and its primary purpose is to defend any civil claims that might be made or threatened against you and/or to indemnify you for settlement costs should any such claim succeed. To obtain similar cover, you might otherwise need to arrange Public & Product Liability insurance and Professional Indemnity and/or Malpractice Insurance [extended to include defamation] and even then there may be gaps between the policies which are not present using the civil liability approach.
In addition, the policy provides all the features listed overleaf some of which will not be found outside the specialist insurance market.
Additional Features
Complaints & Disciplinary Hearings - The policy will respond to help you if complaint is made about you to a professional body or regulator in connection with your business or professional activities. The insurers will provide funding for the services of a professional conduct consultant who will help formulate a response to the complaint. If necessary, the insurers will also provide funding for advice and representation at and leading up to a disciplinary hearing resulting from the complaint including, with their agreement, any appeal.
Confidential Notes and Records - If you are required to be a witness in a court case, you may be called upon to provide information or records which you consider to be subject to the principles of client confidentiality. Oxygen can give you guidance on how to respond to requests from solicitors and others for such information and, in the event of a court order, the Insurers will pay up to £10,000 for advice and advocacy to present arguments to the court around the reasons for the maintenance of client confidentiality, or to allow you to prepare a report for the court as an alternative to full disclosure of confidential notes or records.
Avoiding a Potential Claim against You - If a client is dissatisfied with your work and refuses to pay what they owe, the insurers will, in certain circumstances, pay the amount owed to you by that client rather than have you press them for payment and risk a counterclaim for more than the amount owed.
The Policy also provides funding (up to £30,000) for the services of a Public Relations consultant if it is believed that use of those services could avoid or mitigate a potential claim against you.
Legal Costs and Expenses - Under the Primary Cover provided by the policy all costs and expenses incurred in defending or negotiating settlement of a claim are paid by the insurers in addition to the limit of indemnity with the exception of claims arising in the USA or Canada where the costs are included within the limit of indemnity.
Other Cover Provided
Cover is also provided for:
- Losses from the Dishonesty of your Employees (up to £30,000),
- Directors and Officers liability arising from any charitable or voluntary position (up to £60,000),
- Loss of Documents, including your own business records, (up to £60,000),
- Statutory and, in some circumstances Criminal, Prosecution defence costs (for example, where a potential civil claim begins with a complaint to the police),
- Overseas Personal Liability and compensation while working temporarily anywhere else in the world,
- Court or Disciplinary Hearing - up to £500 per day, when your attendance is required by the Insurers at a Court or Disciplinary Hearing.
- In the event of your death, retirement or your taking a career break, the policy will be extended to allow notification for up to three years of claims arising from prior work.
Please ask to see the policy wording for full details of the cover and exclusions.
Claims Support - Just as important as the policy cover is the knowledge that, should you have a claim or complaint made against you will be supported throughout the process by Steve Johnson who has more than 22 years experience of helping & supporting Hypnotherapists & Psychotherapists, backed up by a team of claims professionals at Oxygen.
Oxygen
City Exchange
Albion Street
Leeds LS1 5ES
T +44 (0)113 394 2200
F +44 (0)113 394 2201
enquiries@oxygeninsurance.com
http://www.oxygeninsurance.com
