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Client Details
Professional Liability Insurance Cover
Equipment / Property Cover
Declaration
Hidden Questions & Calcs
Underwriting Info

Client Details

To provide a quotation and then arrange insurance cover we need to collect some data from you. We pledge to hold this information responsibly – please click here to see our Privacy Notice.
Are you resident in the UK?
Our insurance is only available to residents of the UK, Channel Islands and the Isle of Man. If you are resident in any other part of the world then our insurance is not available to you.
Name of the insured:
Insured's date of birth:
Do you trade under a different name?
Please state your trading name as it should appear in your documents:
If you trade as a limited company, please state the full business name as per Companies House.
Please provide names and date of birth of all partners/directors:
First NameSurnameDate of Birth
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Address of the Insured:
Please enter your postcode and then select your address. If your address is not listed please use the 'Enter address manually' option
Primary phone number of the Insured:
Mobile number of the Insured:
Email of the Insured


Professional Liability Insurance Cover

When would you like the cover to start?

Details of the first regular trainer:

Name:
First Responders/Paramedics
Is Personal Accident Cover required?
Address:
Phone number:
Email:
Will the Insured named above be under the age of 75 years at the proposed inception date of the cover?

Details of the second regular trainer:

Name:
First Responders/Paramedics
Is Personal Accident Cover required?
Address:
Phone number:
Email:
Will the Insured named above be under the age of 75 years at the proposed inception date of the cover?

Details of the third regular trainer:

Name:
First Responders/Paramedics
Is Personal Accident Cover required?
Address:
Phone number:
Email:
Will the Insured named above be under the age of 75 years at the proposed inception date of the cover?

Details of the fourth regular trainer:

Name:
First Responders/Paramedics
Is Personal Accident Cover required?
Address:
Phone number:
Email:
Will the Insured named above be under the age of 75 years at the proposed inception date of the cover?

Details of the fifth regular trainer:

Name:
First Responders/Paramedics
Is Personal Accident Cover required?
Address:
Phone number:
Email:
Will the Insured named above be under the age of 75 years at the proposed inception date of the cover?

Details of the sixth regular trainer:

Name:
First Responders/Paramedics
Is Personal Accident Cover required?
Address:
Phone number:
Email:
Will the Insured named above be under the age of 75 years at the proposed inception date of the cover?
Personal Accident Cover
This cover is primarily designed to protect your income, this policy provides benefits for all the activities/occupations shown on your Professional Indemnity Certificate. In the event of disability following an accident it will provide benefit for Temporary Total Disablement commensurate with earnings.

Please note the cover is for Accident only and does not include sickness.

Claims made will be subject to terms and conditions and require supporting documentation.

Further details can be found in our Product Information Document (IPID), which will be included with your quotation.

Summary of Cover

This insurance covers only those items which have an amount entered by them. Items not insured have the words ‘Not Covered’ by them.

Section One - Personal Accident

Insured event Sums insured:

1. Death £10,000
2. Loss of sight in one or both eyes £10,000
3. Loss of a limb £10,000
4. Permanent total disability £10,000
5. Temporary total disability – weekly benefit (for up to 52 weeks from the date of the accident) The first 7 days of any claim are not covered 65% of the insured person's average weekly wage up to a maximum of £500 per week

Extra benefit - Medical expenses: As shown in the policy wording

Accident accumulation limit: Not Applicable

Section Two - Illness: Not Covered

Optional Covers

Contingent/Vicarious Liability
Our scheme insurance provides cover directly to the trainer/ assessor /practitioner named on the policy. However, many engage additional help using other people who arrange their own insurance.

Where this relationship exists, it may not be sufficient for the trainer alone to have Professional Liability insurance because the aggrieved customer/client/ student /patient intent upon pursuing a claim, may seek to do so against that party with whom the class or treatment was arranged, as well as the instructor/practitioner involved. By arranging contingency cover you can ensure that your vicarious liability is indemnified in case such a claim is made against you or your organisation.

The cost is based upon your working turnover and assumes that all regular instructors/practitioners have their own individual insurance in place. However, the contingency cost is a fraction of the standard individual rate payable for all regular trainers/practitioners, as might be expected.
Occasional Trainers
An occasional trainer is someone who will only work for a maximum of 14 days per policy period.
In addition to the persons named above do you require cover for additional practitioners to provide first aid at events?
Employers Liability
This type of insurance is a statutory requirement for anybody employing staff irrespective of whether wages/salaries are paid. All employers have an absolute duty of care to their workers, which explains why this class of insurance is mandatory in the UK.
Please enter the value of your wage roll:
Are you ERN exempt?
ERN and ELTO
ELTO – All Insurers on our panel have become members of the Employers Liability Tracing Office (ELTO). This is a new requirement from the Financial Conduct Authority (FCA) which requires Insurers to submit details of all new and renewed Employers Liability Insurance policies.


The decision to form the ELTO was undertaken as a commitment from the Insurance Industry to people who suffer illness or injury in the workplace and need help identifying their Employers Liability Insurers.


Before you arrange Employers Liability cover we will need your Employer Reference Number (ERN). This is the unique number for employees’ income tax and national insurance contributions which every company operating a PAYE scheme will have.



ERN – Your Company will have an Employers Reference Number (ERN). This is the Employer PAYE reference and should include additional references for any separate subsidiary companies that you administer.
For your assistance the ERN reference can be found on the following documents, P45 , P60, P11/D and most payslips, in the following formats:-


 NNN/Aznnnnn – for references allocated after 2001


 NNN/Annnnn – for references allocated prior to 2001.


 The only exception where you may not have an ERN is if payments to all employees fall below the PAYE threshold.
Do you wish to add Legal Expenses Cover?
This insurance includes:

24/7 Legal Help line

Criminal Prosecutions – including allegations of sexual misconduct/abuse (providing you plead not guilty throughout the case)

Taxation – indemnifying accountancy costs in the event of an HMRC investigation

Property Disputes – concerning the occupancy of premises

A stress counselling helpline

Further details can be found in our Legal Expenses – Policy Summary, which will be included with your quotation.

Sections of Cover:

A. Commercial Contract Disputes - Not Insured
B. Criminal Prosecution - Insured
C. Tax Protection - Insured
D. Property Disputes - Insured
E. Data Protection - Insured
F. Personal Injury - Insured
G. Fitness To Practise Representation - Not insured

Limits of Insurer’s Liability:

1. £100,000 Any One Claim
2. £250,000 all Claims notified during the Period of Insurance

Territorial Limits: The United Kingdom of Great Britain & Northern Ireland, the Channel Islands and the Isle of Man.

Excess: £ NIL Any One Claim

Increased Excess:Section C - Not Applicable, All other Sections of Cover - £1,000 Any One Claim

Minimum Sum in Dispute: Section A - £250

Do you wish to extend your Legal Expenses cover to include Section A: Commercial Contract Disputes?

Equipment / Property Cover

Equipment Cover Details
The cover provided is for ‘All Risks’ based on the sum insured nominated and subject to an unspecified item single article limit of £500.00. Any single item worth more must be individually specified.

Main Policy Exclusions: –

  • the first £200 of each Claim.
  • loss or damage by theft or any attempt thereat not involving entry to or exit from the Premises by forcible and violent means.
  • any property otherwise insured.
  • loss or damage arising from wear and tear or from any process of cleaning, dyeing, restoring, adjusting or repairing.
  • loss or damage arising from or attributable to the action of light or atmosphere, moths parasites, vermin, corrosion, dampness, marring, scratching, bruising or deterioration.
  • loss or damage (other than by fire) to any machine or apparatus arising from mechanical or electrical breakdown or derangement or arising from adjustment, maintenance or repair.
  • erasure or distortion of information on computer systems or their records.
  • loss by official confiscation or detention.
  • loss of or damage to money, documents, securities, motor vehicles, caravans, boats, cycles, household goods, sports equipment or contact or corneal lenses.
  • loss or damage by theft from an unattended motor vehicle unless it is securely locked at all points of access and is fitted with an anti-theft alarm and such alarm is in full and effective operation.
  • loss or damage by theft from a saloon car unless all stock and equipment is kept in a locked boot.
  • loss or damage by theft from an estate car, van or hatchback unless all stock is concealed from view.
  • stock and equipment is removed from any unattended motor vehicle outside Business hours and kept in the Insured’s locked Premises or locked private dwelling house, unless the unattended vehicle is kept in a locked garage.
  • loss of or damage to any item exceeding £500 unless specified in the proposal.
    • Do you require equipment / property cover?
    Equipment Cover Sum Insured:
    £
    Do you wish to cover any items with a value in excess of £500?
    Please list any items that exceed £500:
    DescriptionValue
    Add row

    Declaration

    Declaration
    I am aware of no claims, suits or any circumstances with could reasonably lead to a claim being made, or action initiated against me.

    I confirm that no company has declined my proposal, cancelled or refused to renew a policy or required special terms or conditions.

    I do not have any convictions that are not spent under the Rehabilitation of Offenders Act.

    I have never been declared Bankrupt or insolvent or been disqualified from being a company director.

    I have never been subject to a disciplinary hearing or suspended from any Professional Organisation.

    I confirm I am fully qualified for all the activities required and my qualifications are kept up to date where applicable.

    I confirm I have a UK National Insurance Number

    I confirm I am resident in and my business operates from the United Kingdom of Great Britain and Northern Ireland, the Channel Islands or the Isle of Man and I confirm that I do not undertake any work in the following sectors; Aircraft/Space, Asbestos, Chemical, Power Industry, Offshore (Rigs. Platforms, Marine etc.) Pharmaceutical, Nuclear, Railways, Oil &/or Gas, Amusement Park/Fairgrounds

    I confirm that the answers given are true and that I have not withheld any material fact. I can also confirm that I have read and understood the Terms of Business Agreement.
    Declaration
    The Company’s Proprietors, Directors or Partners confirm they are aware of no claims, suits or any circumstances with could reasonably lead to a claim being made, or action initiated against them.

    The Company’s Proprietors, Directors or Partners confirm no company has declined their proposal, cancelled or refused to renew their policy or required special terms or conditions.

    The Company’s Proprietors, Directors or Partners confirm they do not have any convictions that are not spent under the Rehabilitation of Offenders Act.

    The Company’s Proprietors, Directors or Partners confirm they have never been declared Bankrupt or insolvent or been disqualified from being a company director.

    The Company’s Proprietors, Directors or Partners have never been subject to a disciplinary hearing or suspended from any Professional Organisation.

    The Company’s Proprietors, Directors or Partners confirm all trainers, assessors, consultants and practitioners engaged are properly and adequately qualified for the work they undertake on their behalf and their qualifications are kept up to date where applicable.

    The Company’s Proprietors, Directors or Partners confirm that anyone taking out Personal Accident cover has a UK National Insurance Number.

    The Company’s Proprietors, Directors or Partners confirm the business operates from the United Kingdom of Great Britain and Northern Ireland, the Channel Islands or the Isle of Man and they confirm that they do not undertake any work in the following sectors; Aircraft/Space, Asbestos, Chemical, Power Industry, Offshore (Rigs. Platforms, Marine etc.) Pharmaceutical, Nuclear, Railways, Oil &/or Gas, Amusement Park/Fairgrounds.

    The Company’s Proprietors, Directors or Partners confirm that the answers given are true and that we have not withheld any material fact. We can also confirm that I have read and understood the Terms of Business Agreement.
    Please select your answer:
    Please provide details why you disagree:

    Hidden Questions & Calcs

    Reason for cancellation
    Cover Type Premium
    £
    First Resp. & Paramedic Load
    £
    Indemnity Limit Increase
    £
    Locum Trainers Premium
    £
    Event Premium
    £
    Contingent Liability Premium
    £
    Employers Liability Premium
    £
    Personal Accident Premium
    £
    LE Premium
    £
    Cover Type Description
    Policy Fee Charge
    Number of regular trainers covered:
    PA Required
    Including First Response / Paramedic.
    Policy Charge PL
    £
    Policy Charge LE
    £
    Postcode Letters
    Date the insurer was paid the premium

    Underwriting Info

    Case important info
    Case History - Imported
    LE Contract Number
    Professional Liabilility Contract Number
    Additional Activities