Why do I need insurance?
Despite your best intentions and commitment to professionalism accidents can happen and understandably the third party involved may pursue a claim against you. On the rare occasion when this occurs, having an effective, tailor-made insurance policy in place will provide you with complete peace of mind.
What type of policy do I need?
Whilst you are an enrolled student studying for a VTCT qualification and are practising the practical elements, either on-site or away from your centre (subject to prior agreement with your tutor), you need to consider arranging a Public Liability and Treatment Liability Insurance Policy.
This policy will provide cover for any claim made against you during this activity however accidental that negligence might be. In addition, as a result of you practising your skills, you may accidentally cause bodily injury to the person on whom you are practising.
How much can I be insured for?
The amount of cover provided is usually expressed as an "Indemnity Limit" and will be advised to you on application to insurance companies. You should check that the amount quoted includes legal costs and expenses.
Who am I insured to practise on?
As a student, a policy would normally be provided to enable you to practise on fellow students, family members, relatives and close friends. You would be expected not to be advertising for people to practise on nor to accept any payment for services,even "in-kind". Once you become qualified, you would need to contact your insurance company for advice on extending your policy.
Where am I covered?
A typical student policy would cover you at your home, another person's home or premises and whilst at your training centre.
Are there any exclusions?
All insurance policies will have some exclusions as an insurance company is not able to offer cover against all types of risk. Typical exclusions will be:-
1. Policy Excess - In the event of damage to your own business equipment (if insured) and/or another person's property you will not be insured for any claim below a certain value.
2. Geographical Limit - You will usually only be insured if you are resident and practising in the United Kingdom. This excludes the Republic of Ireland.
3. Therapy/Treatment - You will only be insured for those therapies and treatments that you have disclosed on your proposal and that have been accepted by the insurance company.