Westminster Has You Covered
We cover complementary medicine, spa services, hair and beauty, and more than 600 other business practices.
Whether you offer products or services, paid or free, it’s essential to safeguard your business against unforeseen challenges. Our Professional Indemnity, Public Liability, and Medical Malpractice insurance is specifically designed to cover a wide range of businesses, ensuring protection when things go awry – because even the best of us encounter mishaps!
Our comprehensive insurance can be tailored to YOUR needs, including optional extras like Cyber and Data coverage, Personal Accident protection, Office Content, Portable Business Equipment, and Employers Liability – all combined into one policy for your convenience.
With a super simple instant quote, swift protection in minutes, easy payment options, and unbeatable customer service, join thousands of happy customers who rely on us to secure their business with confidence.
We Cover Course Providers and Professional Associations
No matter the size or nature of your business, whether you are a solo practitioner working from home, a training school with hundreds of students, or a professional association with thousands of members, we have the perfect coverage solution for you.
Our policies are designed to cater to a wide range of businesses, providing comprehensive insurance that suits your specific needs. Whether you operate on a small scale or have a large organization, we can tailor our coverage to ensure that your business is protected from potential risks and liabilities.
Add An Unlimited Number Of Extra Modalities For Free
We operate on a tiered system for our services. We will charge for the highest risk level service included in the policy, while any additional services that fall under the same risk level or lower will be added to the policy at no extra cost.
For example, if you decide to take out a policy for acupuncture, which is considered a tier 2 service. With this policy, you can include ayurveda medicine (also tier 2) and deep tissue massage (tier 1) without incurring any additional fees.
Furthermore, you have the benefit of adding an unlimited number of extra modalities to your policy, and they will all be covered at no extra charge as long as they are within the same risk level or lower. This way, you have the flexibility to tailor your coverage to your specific needs, ensuring comprehensive protection for your practice without any limitations.
Policy Details
The coverage we offer is a combined Professional Liability, Public Indemnity and Medical Malpractice policy, to which you may add optional extras including Office Contents, Portable Business Equipment, Personal Accident, Employers Liability and Cyber. It is suitable for UK-based entities only.
The policy allows you to work from home, be mobile and/or provide your services from work-dedicated premises. The policy is suitable while you are studying as well, provided you only undertake work that is wholly appropriate to the stage of learning and where applicable will be fully supervised during the performance of such work.
The policy we offer does not exclude providing services online or virtually. So, if you are able to carry out the same work and provide the same service via video chat, online media or recorded messages then this is still covered by the policy. Adding worldwide coverage, excluding the USA/Canada, is free of charge. Provided you work remotely only in USA/Canada and the business turnover does not exceed 75% of your total business turnover, you can add it at no extra cost. If, however, the USA/Canada work is on location and the business turnover of the remote work exceeds 75%, you can again add it but the premium will increase.
We do not ask you to submit evidence of qualifications. You must check the requirements and will be asked to confirm compliance before purchase.
Quotes are obtained via the website. It’s very quick and easy, the quotes are presented to you immediately onscreen, and you can either save them for later or proceed directly to purchase the policy. There are monthly and annual payment options, and once payment is made the policy documents are instantly emailed to you. So, you can have protection in place in a matter of minutes.
The policy premium depends on several factors:
- Tier of services (we charge for 1 service of the highest risk level on the policy and the remaining ones which are either of the same risk or lower are added at no extra cost)
- Number of individuals on the policy (tier 1-4 second person is added at no extra cost; admin staff, regardless of the number can be added free of charge)
- Cover Level (we offer three cover levels which are 1, 2 & 5 million)
- Annual Business Turnover
- Whether or not there is USA/Canada work on location or the remote work is above 75% turnover
- Add-on Products (Cyber Liability, Employer Liability, Office Contents, Portable Business Equipment, Personal Accident)
Please look at the policy premiums for the different tiers. The prices are based on the following selection: 1 individual, up to 125.000 GBP annual turnover, 1 million cover level, no work overseas, and no optional extras. The given premiums are before any discounts.
The tier of each service is indicated on our What We Cover List with the letters T and numbers 1-5. The absence of these means the service is of the lowest tier (T1).
- Tier 1 services – annual premium 122.64 GBP
- Tier 2 services – annual premium 168.56 GBP
- Tier 3 services – annual premium 242.48 GBP
- Tier 4 services – annual premium 326.40 GBP
- Tier 5 services – annual premium 696.00 GBP
Note: We also offer a monthly payment option.