Summary of Cover – Members of the International Federation of Aromatherapists What is the Summary of Cover? This document provides key information about Hiscox medical malpractice insurance. It does not contain the full terms and conditions of the insurance cover and does not constitute your insurance contract. If you have any additional questions, please refer to the policy wording, your insurance adviser or contact our customer service team. Product Name
: Medical Malpractice – Complementary Medicine and Beauty
Type of Insurance : Liability package Underwritten by Significant Features and Benefits The Hiscox complementary medicine and beauty policy is designed for individual therapists, small beauty / complimentary clinics and training schools. Professional bodies / associations representing their members should be referred to us for a tailor made quotation. Key Benefits
• The product is designed to cover malpractice, public and products liability and
includes financial loss cover as well as extensions for libel and slander, breach of confidentiality and loss of documents
• Cover will indemnify the therapist for both the legal costs of defending an action and
• Our malpractice cover is wide in its definition. We cover bodily injury, mental injury,
illness, disease or death arising from business activities, or as a result of a good Samaritan act
• We will work on your behalf to minimise the cost of a covered liability and any
potentially damaging consequences (eg damaged relationships and/or time consuming litigation), through our proactive mitigation measures.
Other Important Features • Cover is underwritten on a claims made basis • The limit of indemnity is any one claim in addition to defence costs and all costs and
expenses recoverable from you by a claimant
• Run-off cover is usually available if you cease to trade due to retirement, death or
Acceptable Therapies
Adveyic Medicine Aestheticinne Ayurveda Allergies Alexander Barrie Pelvic Correction Alexander Amatsu Medicine ANMA and Setai Angelspeake Anataneea Technique Aqua Detox Treatments Aroma Soma Aromasport Treatments Astrological Therapy Australian Bushflower Essences Bach Flower Balinese Massage Bates Method Beauty Therapy Bio Detox Bio Danza Bio Dynamic Massage Bio Dynamic Therapy Bio Magnetic Therapy Bio Therapeutic Therapy Body Balance Body Control Pilates Body Contour Wrapping Body Massage Bowen Technique Chavutti Thirumal Colour Analysis Colour Therapy Counselling Cranial Sacral Therapy Crystal Healing Dance Movement Therapy Eastern Head Massage Endometriosis Energy Field Therapy Energy Medicine Esoteric Healing Face & Daoyin TAO Massage Facial Therapy Feldenkrais Therapy Fenzian Treatment Finders Inch Wrap Foot Detox Treatment Gargling GS Massage – Effleurage, Petrissage Healing – Shamanic Herbal Compress Massage Herbal Medicine Holistic Psycho therapy Holistic & Swedish Massage Hopi Ear Candle Hot & Cold Stone Massage Hydrotherm Massage Hyperton X Image Consultant Hydrotherm Treatments Hydro Massage Indian Head Massage Iridology Japanese Face Massage Jin Shin Jyutsu Kats Eye Blend Kinesiology Korean Head Massage The Lebed Method Life Coaching / NLP Lomi Lomi Massage Lotte Berk Exercise Lymph Drainage Massage Mahanshi Meditation Meridian Therapies Metamorphic Technique Mother & Baby Yoga Mud Wrap & Inch Loss Wrap Muscular Energy Technique Myotherapy Myo Reflex Therapy Naturopathy Neuro Linguistic Technique Neuro Muscular Technique Neuroskeletal Re-Alignment Therapy No Hands Massage Nutrition Oils to Animals On Site Massage La Stone Therapy La Stone Massage Oriental Body Work Orthobionomy Pain Management Personality Profiling Polarity Therapy Reflexology Therapy Reflexology Relaxation Teaching Remedial Back Therapy Remedial Sports Massage The Rosen Method Rozevburg Technique Seated Massage Seated Thai Massage Soft Tissue Manipulation Sound Therapy Spinal Touch Treatment Spiritual Healing Spinal Reflexology Stress Management Sugaring Sun Aqua Yoga Swedish Massage Thought Field Therapy The Felden Krias Method Thai Massage Thai Yoga Massage Therapeutic Massage Thermo Auricular Thought Therapy Touch Pro Massage Tibetan Acupressure Message Trigger Point Therapy Tui Na Massage Ultrasound Vega Allergies Vertical Reflex Therapy Vibrational Meditation Vortex Healing Xero Balancing Vibromuscular Harmonisation PLEASE REFER TO TOWERGATE PROFESSIONAL RISKS FOR ANY THERAPIES NOT LISTED ABOVE
Significant or unusual exclusions / limitations
• The therapist will normally have to pay an initial amount for each claim made against
them under the policy. The quotation and schedule of insurance will show the specific excesses applicable to the policy
• Any type of work undertaken which has not been declared to and accepted by us will
• Any claims, circumstances or shortcomings in the therapists work which they knew
about or ought reasonably to have known about prior to inception of the policy are excluded
• Any claims or circumstances where the therapist was under the influence of
• It is a claim condition of the policy that records of each treatment are kept and
Duration of Contract
Policies will be issued on an annual basis – please refer to your schedule. Cancellation Rights
If the cover does not meet your needs, you have 14 days from receipt of your policy documentation to cancel. We will return any premium you have paid in full provided no claims have been made on the policy during that time. Otherwise, you can cancel this policy at any time giving 30 day’s notice and you will only be charged for the premiums due up to the date of cancellation. Claims Service
If you need to make a claim you should contact Towergate Professional Risks directly on 0113 391 9555. You will need to provide your policy number and full details of the claim or circumstance, including the date and the amount and circumstances of the loss. It is when you make a claim that you really find out how good your insurer is and we are confident you will not find a better service in the UK. Hiscox and Towergate Professional Risks pride themselves on their fast, fair and sensible claims service, offering access to expert legal teams where necessary. This is a summary only of the cover, together with the main exclusions, and is provided so that you have sufficient details to enable you to make an informed choice. Please refer to the policy wording for full details, or contact us if there is anything specific you would like to discuss Questions and Complaints
If you have any queries, please contact Towergate Professional Risks using the details below: Post
: Towergate House, 5 Airport West, Lancaster Way, Yeadon, Leeds LS19 7ZA
Complaints Procedure We aim to provide you with a first class service. If we have not delivered the service that you expect or you are concerned with the service provided, we would like the opportunity to put things right. Our complaints process Initially, contact us to raise your concern with Towergate Professional Risks Tel:
Email: professionalrisks@towergate.co.uk If your complaint is against Hiscox Insurance Company Limited, please contact them directly using the details below: Post: Hiscox Customer Services
Email: customerservices@hiscox.com We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact us at the above address. In the event that you remain dissatisfied, you may be eligible to refer your case to the Financial Ombudsman Service. You will receive full details of how to do this at the appropriate stage of the complaint process. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS. (www.fscs.org.uk)
SECTION 1: IDENTIFICATION OF THE SUBSTANCE/MIXTURE AND OF THE COMPANY/UNDERTAKING1.2. Relevant identified uses of the substance or mixture and uses advised againstHARDENER FOR TWO COMPONENT Primer. and Crack and hole filler1.3. Details of the supplier of the safety data sheetCOO-VARLockwood StreetHullHU2 0HN+44 (0) 1482 328053(T)+44 (0) 1482 219266(F)info@coo-var.co.ukTechnical Department
OVER-THE-COUNTER (OTC) QUICK REIMBURSEMENT GUIDE WHAT IS AN OVER-THE-COUNTER ITEM? Over-the-counter (OTC) medicines and products are reimbursable under a Flexible Spending Account (FSA), Limited Expense Care Flexible Spending Account (LEX FSA) (dental and vision expenses only), and Health Reimbursement Account (HRA) when the OTC product is used for medical purposes. Below is a descr
Summary of Cover – Members of the International Federation of