Insurance cover from 1st April 2012
Summary of limits applicable for Registered members insurance
| Interest: | 1) Medical Malpractice/Public/Products Liability Insurance/Libel and Slander
2) Personal Accident Insurance (24 hours) |
| Limit of Indemnity: | 1) Medical Malpractice/Public/Products Liability Insurance/Libel and Slander: a. Any one Event (limit: £5,000,000) b. All events happening during any period of Insurance in respect of products supplied and Libel or Slander (limit: £5,000,000) 2)PersonalAccident: Death/Disablement/Loss of two or more limbs or both eyes or one of each/Loss of one limb or eye (limit: £25,000) Permanent Loss of Speech (limit: £25,000) Permanent Total Loss of Hearing: i. in both ears (limit: £25,000) ii in one ear (limit: £6,250) Permanent Total Disablement from the Insured Person’s usual occupation as a Complementary Medical Practitioner (limit: £25,000) 3) Loss of or Damage to Remedies: 4) Professional Legal Protection: Insurers Limit of Liability |
| 24 hour Helplines | The legal helpline is provided Abbey Legal Line: 0845 375 4309. Please quote your membership number when calling. The Stress Counselling number is 0845 074 2799. Claims Line: 0870 600 1480. Please advise that you are a member of The Society of Homeopaths and quote your membership number when calling. |
Summary of limits applicable for Students Clinical members insurance
| Interest: | 1a) Medical Malpractice/Public/Products Liability Insurance/Libel and Slander 1b) Telephone Helplines |
| Limit of Indemnity: | 2) Medical Malpractice/Public/Products Liability Insurance/Libel and Slander: a. Any one Event (limit: £1,000,000) b. All Events happening during any Period of Insurance in respect of products supplied and Libel or Slander (limit: £1,000,000) c. All incidents considered to have occurred during any Period of Insurance in respect of pollution or contamination of buildings or other structures or of water or land or of the atmosphere (limit: £1,000,000) |
| 24 Hour Telephone Helplines | The legal helpline is provided Abbey Legal Line: 0845 375 4309. Please quote your membership number when calling. The Stress Counselling number is 0845 074 2799. Claims Line: 0870 600 1480. Please advise that you are a member of The Society of Homeopaths and quote your membership number when calling. |
To download April 2012 Insurance Policy document:
RSA policy click here
Abbey Legal policy click here
2012 Cover summary details
The Lockton Insurance Scheme provides members with a broad package of cover underwritten by Royal & SunAlliance Insurance plc, including:
• Medical Malpractice
• Public Liability
• Products Liability
• Personal Accident Insurance
• Loss of Remedies Insurance
This package is designed to meet the needs of Homeopaths registered with The Society of Homeopaths to protect them in the event of
• claims made by patients resulting from Homeopaths actual or alleged negligent professional conduct whilst acting as a Homeopath; and
• claims for bodily injury or damage to third party property that arise in the course of providing their professional services, or in the course of supplying products in connection with those professional services in the UK (unless other international territories have additionally been agreed).
While the core of this cover is standard, our flexible approach and specialist knowledge of these markets and your needs allows us to negotiate with underwriters on your behalf to secure additional cover options, such as worldwide extensions or cover for loss of remedies.
Worldwide extensions
We are reasonably flexible in assisting with extensions for other parts of the world especially where you are responding to emergencies such as the tsunami disaster in 2004 or working with charities in Africa, India and such. We can also accommodate practitioners working with British Subjects at overseas British Forces bases. Other extensions are considered on their own merits but USA and Canada is usually difficult to accommodate.
Personal Accident
We include some basic personal accident insurance which caters for catastrophes which may prevent you from continuing to practice or involves a serious injury. It is fairly basic cover for major problems so it is not one for you to rely on for short term illness or incapacity.
Loss of Remedies
Loss of or damage to your Homeopathic Remedies is covered with a limit of £2000. We know this is insufficient for some of you but it suits many who have a small practice and do not need a more robust clinic policy. If you have a larger practice and wish to increase this limit (up to £5000 available) please contact Lockton directly.
Teaching
Registered practitioners are also covered for teaching at schools and colleges providing they do not have ownership of the teaching establishment.
Research
Research initiatives are fully supported if they meet the protocols and requirements set by the profession, the NHS, and indeed The Society.
Professional Legal Protection
This additional policy is underwritten by Brit Insurance Ltd and is administered by Abbey Legal Protection a trading division of Abbey Protection Group Ltd.
The cover provided is in addition and supplementary to legal defence costs applying to Medical Liability, Public Liability and Products Liability claims which are provided for in the Royal & SunAlliance Policy above where the cover for such expenses is unlimited.
This supplementary cover provides for legal costs and expenses incurred in defending you against criminal charges brought by the Police, or the Health & Safety Executive or Local Authority Health and Safety Enforcement Officer. The policy will also defend you following an event that leads to you being prosecuted in a court of criminal jurisdiction. It will also defend you against a number of civil actions, including under Section 13 of the Data Protection Act 1998 including compensation awards made under this Section of the Act. In addition, it will provide representation in specified circumstances including disciplinary hearings called by The Society of Homeopaths.
Furthermore, the policy affords cover against tax problems. It will represent you in a full or aspect enquiry into your tax affairs by HMRC.
The policy will also represent you in a dispute over compliance with PAYE or Social Security Regulations as well as represent you in appeals following an assessment in respect of VAT due by HMRC.
The limit of indemnity is £100,000 and £1,000,000 in the aggregate. Please note that an excess of £1,000 applies in respect of HMRC aspect enquiries. In respect of all other sections and aspects of cover, the excess is nil, other than where you use your own appointed representative where the excess increases to £1,000 any one claim.
Members of the scheme can also benefit from access to a 24 hour, 7 day a week telephone helpline on any UK legal issue affecting you as a Homeopath. A 24 hour counselling helpline is also available.
If you have any questions concerning your professional insurance or insurance in general terms we are here to help so please do not hesitate to contact us.
Tom Hester
Tel: 020 7933 2206
To email Tom Hester click here
Asgar Hassanali
Tel: 0207 933 2516
To email Asgar Hassanali click here
Lockton Companies LLP The St. Botolph Building, 138 Houndsditch, London EC3A 7AG
Please note that The Society of Homeopaths Members Insurance Policy is administered by Lockton Affinity, a division of Lockton Companies LLP, an independent insurance intermediary and Lloyd’s broker. Registered Office is located at The St. Botolph Building, 138 Houndsditch, London, EC3A 7AG. Registered company number 1200673.
