As an osteopath, you strive to treat and prevent your clients’ musculoskeletal conditions. But does your business have the right insurance to help prevent financial and reputational costs in the event of a claim being made against you?
Balens Professional Liability and Malpractice Insurance Policy has been developed to protect you from claims of loss or damage to other people’s property, plus injury, harm or financial loss alleged to have been caused to your clients or any other parties.
Whether you’re a solo osteopath, an associate in a multi‑disciplinary clinic, or running your own practice, this policy includes cover tailored to osteopathy. Students and graduates can be included where eligible, with options that adapt as your caseload and techniques change.
Benefits of the Balens Health Professionals Combined Liabilities Insurance Policy for Osteopaths:
The Balens Professional Liability and Malpractice insurance policy has been designed for Health and Well-Being professionals / therapists / practitioners that provide advice, treatment, activities and / or therapies to members of the public. The policy has the following areas of cover:
And Legal Expenses and Taxation Policy that includes:
All insurance policies are subject to Terms and Conditions.
Optional Extensions to cover:
Please contact us to get a personalised quote for your practice:
Affinity Schemes
If you are a member of any Association or Training School who hold a customised insurance scheme with Balens, you will be eligible for discounted rates. If you are not, you will be able to join our Individual Bridge Block scheme for Health and Well-Being Professionals.
Other policies services which may be useful:
Balens have a range of additional policies that you may wish to consider as part of your insurance portfolio.
- Household Insurance – Please contact us to find out more about how we can assist you with protecting your buildings, contents and / or personal possessions. Also see our Article – Home Insurance for more information.
- Personal Accident and Sickness Insurance Policies or Income Protection Insurance – This type of insurance cover may be of particular importance for those that are self-employed and have no alternative income in the event of illness or accident. Balens offer and arrange an insurance policy designed to pay out either a lump sum or a weekly benefit (if selected) in the event of an accident, bodily injury to you and /or illness depending upon the type of insurance policy chosen. Please also see our Article – Personal Accident and Sickness Cover.
- Business Protection insurance – for when your contents or stock exceed the limits of the All Risks section of insurance cover in the above Policy. Also includes Employers Liability Insurance, which is a legal requirement when employing staff / volunteers.
- Clinic / Salon Insurance Policy – As your business grows you may need to cover the business and business name for the work, treatments and / or advice of more than one person. Balens offer and arrange two options of insurance cover designed to cater for this need, Contingent insurance Cover and a Full Clinic insurance Policy. The ‘Clinic’ insurance policy can cover work performed by other qualified professionals, whether employed or self-employed that work under your corporate name. Please also see our Article – Do you run a Multi Profession Clinic?
- Training Schools Insurance – If you hold a Professional teaching qualification and are a qualified Health, Wellbeing, Fitness or Beauty Practitioner who wants to train and certify others, Balens offer and arrange a Teaching School Insurance for an unlimited number of students.
If you are looking to offer training which issues certificates of attendance only, this is automatically included in the Professional Indemnity Insurance Policy offered and arranged by Balens, this has no limits on the number of students for no additional premium. If you are issuing certificates of competence, a Training School extension to your insurance policy can be added to your Professional Liability insurance policy for an additional premium (limits apply). Please also see our Article – Do You Treat & Teach or Do You Need A Training School Policy? - Health Products Insurance Package – Balens offer and arrange a policy for Health, Wellbeing, Fitness and Beauty Professionals that may be involved in the manufacture, sale and / or distribution of related products.
- Cyber / Crime Insurance – Your business may be at risk if you use any form of internet-based technology within your business or for the storage of data. Cyber / Crime insurance is designed to protect businesses and individual users from these risks, including such elements as theft of funds, loss of data, online fraud, transmission of a virus.
As well as full cover for your Osteopathic work, our policy will automatically cover you for many other therapies, provided you have the suitable qualifications, including:
- Aromatherapy
- Baby Massage
- Bowen
- Clinical Hypnotherapy
- Cognitive Therapy
- Counselling
- Cranio Sacral Therapy
- Healing
- Herbal Medicine
- Homoeopathy
- Hot Stones Massage
- Hypnotherapy
- Indian Head Massage
- Life Coaching
- Massage (including Deep Tissue)
- Meditation & Mind Instruction
- Naturopathy
- Pilates (including Gyrotonics)
- Psychology
- Psychotherapy (including Jungian Analysts)
- Reflexology
- Reiki
- Shiatsu
- Sports Massage
- Tai Chi (Non-Combat)
- Yoga
Contact Us
Our team is here to help you choose the right insurance for your business needs, provide guidance on claim prevention and support you in the event of any claims and/or incident that may lead to a claim.
Meet the Team Contact Us