Summary of ASIS insurance offer
Insurance is available to Professional Members who are resident in the UK, Ireland and most of Europe.
It is operative World Wide (excl. the USA & Canada) and is particularly wide in scope.
This insurance provides cover for you as an individual. The Third Party Liability cover does extend to include occasional assistants or helpers but Employer’s Liability is not included.
Insurance for Ltd & LLP businesses can be arranged on request.
Once membership is approved, we will forward your application to the insurance company, who will contact you directly with a quotation for your insurance cover. The insurance premium is paid directly to them.
It is available in three bands depending on the nature of your practice:
Band 1: £98 per annum*
Modalities covered include sex coaching; massage; reiki; bioenegetics; counselling and basic holistic/alternative therapies.
Band 2: £180 per annum*
Modalities covered include Certified Sexological Bodywork (CSB); Tantra Massage as well as all categories covered under Band 1 as long as practitioners are accepted as qualified for Professional Membership with this band by ASIS.
Band 3: £320 per annum*
Psychosexual Somatics® Therapy (PSST), sexual surrogacy, as well as all categories covered under Bands 1 and 2 as long as practitioners are accepted as qualified for Professional Membership with this band by ASIS.
*IMPORTANT. These are guideline prices. Each application is considered on its own merits and the insurers will provide a bespoke quotation once they have all of your details, requirements & relevant certificates.
Details of insurance cover
- Public Liability Insurance: £5m
- Product Liability Insurance: £5m
- Medical Malpractice: Indemnity £5m
- Professional Indemnity: £5m
- Business possessions £5,000
- Legal Expenses
Your insurance includes:
- Public & Product Liability including Malpractice & Professional Indemnity
- Working from home, at a client’s home, or at any owned, rented or hired premises anywhere in the world excluding the USA & Canada
- Damage to rented/hired third party premises
- Accidental loss or damage to your business stock and equipment up to £5,000
- Libel & Slander
- Breach of Confidentiality, negligence or breach of duty of care
- Accidental bodily injury or illness
- Website and e-mail infringement
- Accidental injury
- Accidental damage to property
- Product Liability for goods sold or supplied (Limits apply)
- Cover available to most EU Nationals (EU jurisdiction applies)
- Indemnity to principals
- Retro active date 2006
- 12 months run off cover to allow for periods when you might not be working Excess £250.00
- All premium to be paid in Pound Sterling (GBP) (PayPal, credit card, Bacs)
- The policy is written on a 12 month non cancellable basis
- Employer’s Liability cover is not included
Available levels of indemnity
We believe that teachers and students alike should be adequately protected so we provide all of our policy holders with an indemnity of £5M which is the amount required by most councils, the NHS and other similar authorities and institutions. A higher limit of £10M is available upon request.
The policy wording is exceptionally wide and will be adequate for most individuals. If your business has developed beyond “you” it may be beneficial to consider your requirements on a Business Combined basis to include Employer’s Liability, Premises risks, Contents, business interruption, etc.
You can explore these options directly with the insurance company nce your ASIS membership has been processed.
Unlike most policies, your policy is operative World Wide (excluding USA/Canada) so feel free to practice your therapy(s) around the world in the knowledge that you are fully insured.
Currently, the policy is available to residents of most EU countries. Local jurisdiction applies.
Eligible membership countries
We can accept membership applications from individuals resident in the following countries:
Austria, Belgium, Channel Island, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Iceland, Ireland, Isle of Man, Latvia, Liechtenstein, Luxembourg, Malta, Netherlands, Norway, Portugal, Spain, Sweden, United Kingdom.
Who needs insurance anyway?
Third Party Liability insurance is not compulsory in the UK. However, some organisations do insist that you carry Public Liability Insurance, Product Liability Insurance and Medical Malpractice Insurance.
You are advised to consider insurance under these headings to protect yourself against claims from Third Parties for alleged personal injury or property damage.
Employer’s Liability Insurance is compulsory in the UK (and most other countries)
This insurance provides cover for you as an individual. The Third Party Liability cover does extend to include occasional assistants or helpers but Employer’s Liability is not included. As soon as you “employ” anyone to help, you must consider Employer’s Liability Insurance.
Take care: volunteer assistants and “labour only subcontractors” can be (and usually are) considered “employees” when there is an injury whilst working whether paid or unpaid.
The Insurance outlined above is suitable for “Sole Traders”: that is to say, individuals working on their own account.
It is also suitable for groups of individuals working together providing each of the individuals carry their own adequate Third Party Liability Insurance.
If, as a sole trader, you employ others to work with you, you will also need Employer’s Liability Insurance. We recommend that you consider a small “combined” policy if you regularly employ and organise helpers and assistants.
If you own (or plan to own) premises, we recommend you consider our Holistics Surgery Policy. Written on a Commercial Combined basis, this contract can include buildings, contents, business interruption and liabilities.
If you work from home, it is imperative that you advise your home insurers of this. Many home insurance policies exclude “working from home”. Read the policy conditions carefully. Once you are accepted for insurance you will qualify for a 10% discount on home insurance.
Practitioner working at home: Combined Medical Malpractice, Public and Product Liability, Homework Policy, and Stock and Equipment cover is recommended.
Student: Combined Medical Malpractice, Public and Product Liability Insurance for case studies on and off campus.
How to apply
Once you have submitted the completed membership application form along with any relevant certificates and paid your membership fees, ASIS will process your references.
Assuming Professional Membership is approved, ASIS will forward your application to our insurers, who will contact you directly with a quotation for your insurance cover. The insurance premium is paid directly to them.
Your insurance application will not be processed until you have paid your membership fees.
If ASIS feels unable to recommend you for insurance, they will return your membership fee minus a £10 admin charge.
Underwritten at Lloyd's of London.