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One of the major benefits that IFPA Members enjoy the most comprehensive Insurance and Legal package available to Aromatherapists. It is important to compare the actual content of any insurance and legal protection package, not just the price.
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IFPA is an Appointed Representative of Balens Ltd., which is authorised and regulated by the Financial Services Authority.
Balens Ltd., 2 Nimrod House, Sandy's Road, Worc WR14 1JJ
Renew or change your insurance and legal cover through the IFPA to receive these benefits only available to IFPA Members as provided through H & L Balen & Company .
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1ST APRIL, 2004 TO 31ST MARCH, 2005 - IN A NUTSHELL YOU WILL GET :
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39 reasons for Aromatherapists to be members of the IFPA.
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Premiums start at £42.00 and include full Professional Indemnity, Medical Malpractice, Liability & Legal Expenses wording. No Excess.
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£2,000,000 cover per claim, subject to a maximum £2,000,000 in any one year plus Legal Package.
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Public Liability extends to Trade Fairs, Exhibitions, Craft Fairs etc.
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Unlimited Retroactive Cover for previous work - makes changing; Insurer easier.
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Optional cover for Personal Accident with lump sum benefits - £9.45.
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Wide definition of cover is clear, and includes conduct of occupation as well as business - not restricted to treatment only, as so many policies on the market are.
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Covers full professional indemnity, Malpractice & Public Liability.
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Covers Breach of Confidentiality & Libel (including articles for magazines & books), Slander (including TV and Radio work).
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Voluntary Work & Samaritan Acts.
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Products Liability to Patients, plus Non — patients up to £5,000 annual turnover.
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Legal costs in addition to the limit of liability.
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Free run-off cover in event of death or permanent retirement from work. Based on current cover, not at the time of leaving the policy.
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For temporary cessation of practice, free one-year temporary run-off.
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Sympathetic and expert help in event of an incident occurring.
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Advice for students or practitioners given irrespective of whether event concerned is insured or not.
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Cover available for Eire at low rates. Temporary visits abroad excluding USA/Canada up to 30 days per year at No additional cost.
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Cover not available for Foreign Domiciles. We are working on a solution for this at present.
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Animal Treatments can be included (max £10,000 value any one animal) and premium load 20%.
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Multi-therapy cover normally at no additional premium as per Comprehensive list.
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Teaching included and supervision at no extra charge.
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Loss of documents cover £5,000.
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Supportive and proactive advisory service from intermediaries who mainly specialise in the insurance needs of healthcare professionals. Our long and comprehensive experience is at your disposal. You can contact us individually for advice when required.
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Wide definition of Insured will include Assistants, Employees, and others.
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" One-Stop " Insurance Advice centre for your Insurance and Financial Services needs.
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Confidential and Independent Financial Advice for those of you requiring it.
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Affinity Personal Pension with low charges feature.
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Additional facilities for individuals needing to arrange a more customised cover Low Cost
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Income Protection for Accident and Illness cover, including Permanent Health Scheme to retirement age with extra value features such as no waiting period for claims and money back investment fund.
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Wide range of Legal Expenses covers including defence for allegations of impropriety from outset.
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Representation & accountancy costs for an Inland Revenue investigation small or large up to £25,000.
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Business Assistance Emergency Helpline.
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Taxation Advicelines.
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Jury and Witness Daily compensation Cover.
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Counselling Service for therapists and your families in times of stress, problems with relationships etc.
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Employee, Sexual, Political, Religious, Disability Discrimination Acts, Wrongful Arrest etc. cover.
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Statutory Licence Protection & Disciplinary Hearings Defence Expenses.
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Wide range of Low Cost Personal Accident Benefits available.
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Comprehensive Low cost Surgery Covers.
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Quality Scheme from Specialist Brokers with a high Public Profile & well known in the Complementary Medicine Movement.
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