Holistic Insurances are able to facilitate cover at the following premiums:

Basic premium - €121.00 - non invasive therapies

To include acupuncture – additional premium €100.00 (total €221.00)

To include traditional Chinese herbal medicine – additional premium €155.00 (total €276.00)

This will provide cover with a limit of indemnity of €5,000,000 for malpractice, professional indemnity, public and products liability insurance. Please note that there is no inner limit for libel and slander, and the practitioner will have cover up to the full limit of indemnity.

The policy is written on a "Losses occurring" basis, so as long as cover was in force when the incident happened, then subject to the policy wording, terms and conditions the claim will be dealt with by the insurers. The policy will also include a full retroactive cover. 

We can include additional therapies within this premium, and we will forward a list of our approved therapies. An additional premium will be due for any therapies/treatments noted with a ‘+’ on our approved therapies list – these are basically more invasive therapies such as acupuncture. 

All figures include the Government insurance levy at 2%.

Policy terms and conditions

There is no excess on our standard policy other than under the damage to rented premises section, where an excess of €145.00 will apply.

We can provide cover for practitioners who are permanently resident in Great Britain and the Ireland – however the policy will permit them to work anywhere in the world with the exception of the USA and Canada. 

The following cover endorsements will apply:

Medicines and Healthcare Products Regulatory Agency Endorsement

The Insurer will not indemnify the Insured against liability directly or indirectly in connection with any herb or ingredient prohibited by the Medicines and Healthcare Products Regulatory Agency and/or The Irish Medicine Board and/or is a herbal ingredient that has not been used in accordance with the Restricted Use conditions applied by the Medicines and Healthcare Products Regulatory Agency.

It is warranted that all herbal products and/or ingredients are purchased from approved suppliers of the Register of Chinese Herbal Medicine and/or Chinese Medicine Association of Suppliers, 

Endangered Species Exclusion Clause 

The Insurer shall not be liable for any claim arising from or relating to any product or medication which comprises of or contains any substance derived from an animal, flora or fauna which is categorised as being within the rates of “vulnerable” to “critically endangered” by the International Union for the Conservation of Nature (I.U.C.N) 

Use of Heat Lamps 

The Insurer shall not be liable for any claim arising from the use of a heat lamp unless specifically noted of the Schedule of Insurance and then the following shall apply:

This schedule of insurance excludes the use of any heat lamp to the face and/or front and or sides of the neck. It also excludes the use of any heat lamp on any area of the body where cream/s and /or oils are present.

it is warranted that a distance of at least 35cm is maintained between the lamp and the skin surface. It is also warranted that the patient is checked at least every 5 minutes during the heat application.

All other terms, conditions, exclusions and limitations in this policy remain unaltered. 

The Underwriter

The policy would be underwritten by Novae Insurance Company Ltd (www.novae.com). 

Novae Insurance Company Ltd is a Stock Exchange listed company with a share capital of £ 100,000,000 and has been rated A- by A M Best the recognized world expert on insurance company security. A- is the highest level that is awarded to any new insurer.

Novae is the renamed and rebranded SVB Group, the restructuring took place in June 2006 and is fully authorised by the Financial Services Authority. In addition to the insurance company Novae operates through Lloyd’s of London.

Novae specialise in professional indemnity, malpractice, general liability and directors and officers insurance, writing primarily in the UK. With their specialist underwriting teams they offer a first class service, those insuring through Novae Insurance can be assured that their business is understood by the underwriters.

Our support

The Insurance provider would provide full administrative support for the insurance scheme. Normally all documentation is issued within 24 hours from when we receive it in our office.

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Active Health nor James O'Sullivan get any kind of commission or reward for introducing this insurance deal.

I negotiated this deal for my students and wish to pass it on to all therapists without prejudice.

I wish every success in your practice

Signed: James O'Sullivan