This policy is to cover you, and you alone, as a practicing individual, irrespective of whether your business is set up as sole trader, partnership or limited company. If you employ or use other Health and Wellbeing Professionals, or take payments, bookings or advertise for them you will need a different type of policy – please contact Balens for guidance.

Your Premium

As an ethical, regulated business we wish to be clear and transparent about the breakdown of the cost of your insurance policy
arranged through us. The tables below aim to achieve this. If you are joining the scheme after the first quarter the rates will
reduce as shown.

To select your premium please choose:
1. The type of acupuncture/activities you require
2. The limit of indemnity you require (£4M or £6M)
3. The date you require your policy to start.

The types of Policy are -

ACUPUNCTURE PREMIUM
Also includes cover for Cupping & Moxibustion, Phlebotomy, Electro Acupuncture, Gua Sha, Tui Na (excluding spinal
manipulations) and Standard Beauty Therapy (Level 3 modules) subject to suitable qualifications held

TRADITIONAL CHINESE MEDICINE PREMIUM
Also includes cover for Tui Na (including spinal manipulations), Plum Blossom, NMR, PNF, FSN Acupuncture and Traditional
Chinese Herbal Medicine subject to suitable qualifications held

STUDENT PREMIUM
Provides cover for case studies and other work performed prior to gaining your qualification. The conditions of cover are as
follows: Ongoing case consultation with your tutor, clients must be told that you are not qualified, you cannot practice outside the
scope of what you have been taught and any charges/expenses made must be less than a qualified therapist.

AURICULAR ACUPUNCTURE PREMIUM
For Auricular, Battlefield, Nada and other Ear related Acupuncture.

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Additional Cover

Blood Letting Insurance

To include cover for Blood Letting on your policy you must be qualified in Acupuncture and hold an additional qualification in the blood letting technique. There will be an additional premium of £56.00 (Professional Liability premium £50.00, Insurance Premium Tax £6.00).

The following endorsement will apply to cover:

1. Claims are subject to the Insured following best current practices and the recommended rules and guidelines as taught by their college or Association in the treatment of patients.
2. Pre and post treatment information must be given to patients as laid down by the professional body or college and recorded in the patient notes.
3. The following hygiene procedures must be adhered to in order for a claim to be admitted:
   • Use of blades: Disposable needles must be used.
   • Disinfectants: An appropriate dilution of currently the best recommended disinfectant must be used after any suspected contamination.
   • Practice preparation: Overall cleanliness of the practice must be maintained on a daily basis. The couch must be clean, disinfected and freshly covered for each patient. An accident book should be kept to record any unusual incidents.
   • Operator preparation: Must follow hygiene procedures as taught and laid down by the college or Association e.g. Hydrex, Mediscrub, Videne should be used in all appropriate phases of the treatment.
   • Waste disposal: Clinical waste should be disposed of according to the College or Association guidelines using the professional services of an approved disposal company including the disposal of all human fluid, equipment and sharps used.

To include cover for Derma Pen/Stamp/Roller you must be qualified in Acupuncture and hold a qualification in the technique. This can be covered under the premium for Acupuncture.

The following endorsement will apply to cover:

• A new unit is used for each new client and is allocated to that client only by a numbering system. Such units are to have been irradiated before delivery to the salon by the supplier or maker.
• After each use such items are to be sanitized according to the makers specifications and instructions.
• Client to be given adequate pre and post treatment information as to potential side effects and aftercare instructions.
• Maker's consultation and consent forms signed by the client and Makers own leaflets to be used and be kept for a minimum period of 7 years. Manufacturer's guidance and recommendations to be followed. Maximum Needle Lengths: 1mm Roller or 1.5mm Stamp for facials treatment or 3mm for Body Treatments.

To include cover for Medik8 Skin Peels therapists must have completed a BAF approved course in Medik8 Skin Peels, this course includes theory and live practical training in the technique. If the therapist is not Beauty Therapy qualified (Level 3) they must also have completed a BAF approved introductory skin and beauty course prior to training.

There will be an additional premium of £44.80 (Professional Liability premium £40.00, Insurance Premium Tax £4.80).

To provide cover for the use of cosmeceuticals in treatments and retail sale to clients for home use therapists must have completed a BAF approved product knowledge course in Medik8 Skin products and If the therapist is not Beauty Therapy qualified (Level 3) they must also have completed a BAF approved introductory skin and beauty course prior to training. The techniques include the use of vitamin C, B5 and Hyaluronic acid as well the full range of Medik8 skin care products.

The policy will cover you as an individual practitioner responsible for teaching and training in the activities covered by the policy, providing you are not responsible for the delivery of a certificate of competence or a qualification.

If you are working as an individual practitioner who is running training and is personally responsible for the delivery of a certificate of competence or a qualification, we can extend this policy to cover you to train and certificate up to 40 students per year with an annual turnover of up to £20,000. To include this option on your policy, there will be an additional premium load of 50%. Please contact Balens for guidance.

If you run a separate training establishment with additional teachers/trainers who are responsible for delivering training under the school or college you, or if you are an individual teacher who exceeds the above limits, you may require a separate training school policy – please contact Balens for further guidance.