If you’re insured elsewhere, or considering another policy, you should ask the insurer some questions…

• NO NASTY EXCLUSIONS! Believe it or not, some insurance sold in the UK exclude claims like ‘any error of the insured in treatment or advice’ or ‘arising from the use of any product in treatment or aftercare’! Because the BABTAC policy is written by therapists, you’ll find no nasty exclusions in your policy!
• EXCESS? On some policies you have to pay the first part of any claim – £50, £100 or even £200 – and that could well wipe out any small savings you make on the premium. On our policy you are covered for every penny.
• CLAIMS MADE OR OCCURRING? Many policies are ‘Claims Made’ – you’re only covered if a claim is reported at the time you are still insured, but if a claim is made after the policy ended, you would not be! Ours is ‘Claims Occurring’, which covers you for claims up to six years later!
• NON INJURY CLAIMS? Some other policies may not cover claims made against you for financial loss, libel, slander or breach of confidentiality. Our policy does.
• PRODUCT LIABILITY? What if you sell products to clients not having a treatment? A lot of policies will not cover you. Ours will.
• STUDENTS? Many policies do not allow you to charge for case studies; we do!
• ABROAD? Our policy covers you to work abroad (except USA and Canada) so long as you remain a UK resident, which we think is unique in the industry.
• SALONS? Does your policy cover your risks as well as your employees? What if an employee’s insurance had lapsed without you knowing, or if their cover was not wide? Would your policy cover that? With us, it does.