Balens are pleased to be working alongside Think Tree Hub to provide a bespoke insurance scheme for its members. Balens are a well-established, fourth generation family business who specialise in providing insurance cover for Fitness, Health & Wellbeing, Beauty Therapy and other Health Professionals and organisations.
We are experts in the development of insurance wordings for Health & Wellbeing Professionals. These wordings are, in our opinion, one of the widest available on market and include important features that other available, cheaper insurance packages may not include.
Balens have always regarded claims support, quality cover and personal service as our main strengths.
Balens insurance policy for members of Think Tree Hub:
Balens have devised a policy specifically for individuals who are members of Think Tree Hub.
The policy will cover Professional, Public & Products Liability:
· The policy provides a limit of liability of £6,000,000. This limit is per section and applies to any one claim, for an unlimited number of claims in the policy year for professional liability and public liability. This limit is in the aggregate for claims relating to products liability. Legal Defence costs are covered in addition to the limit of liability and are unlimited.
· The policy is on a claims occurring basis with a difference. The policy will cover claims that occurred during the policy period irrespective of when the claim is made, meaning that you are protected for claims that may arise later down the line providing the work was carried out during the period of insurance. We include an upgrade of cover feature on the 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 occurring policy with features normally only found on a claims made policy, but with none of the disadvantages, particularly around the issue of discontinuing cover and possibly being uninsured later on if a claim is discovered. This is a major improvement on what is often available through other insurers. Further information about this is available on our website Balens
· The policy will cover you to practice in the UK, cover is also included for temporary trips abroad (please note exclusions apply).
The policy also includes a Legal Protection policy:
· Cover for legal defence costs against criminal allegations.
· Pre-disciplinary and Disciplinary Hearings cover.
· Jury service and court attendance cover.
· Tax protection cover relating to a tax enquiry, an employer compliance dispute and/or VAT dispute.
· Unlimited access to legal and tax helplines.
· Counselling service.
· The policy provides a limit of liability of £100,000 per claim.
Balens policies can cover a number of different activities subject to you holding a qualification. Please note if your qualification was obtained solely online or via distance learning please contact Balens for further guidance.
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