Definitions

Certain words in this policy have special meanings. These meanings are given below and apply wherever the words appear in bold.

Business

The business shall include in addition to those activities specified in the schedule:

1. a)  operations of a health or well-being professional practice or organisation, or agency, healthcare services, personal development services, fitness, beauty and the operation of retreats incorporating but not limited to: treatment, therapies, advice, information, medico-legal work, witness, coaching, consultancy, cosmetic procedures and maintenance, teaching, demonstrations, workshops, lectures, supervision, consultancy and carers as per the business description noted and agreed by Balens.
2. b)  maintenance of property and premises
3. c)  first aid, fire and ambulance services
4. d)  private work carried out within the territorial limits by an employee of the insured for any director or senior executive of the insured
5. e)  participation in exhibitions, lectures workshops and demonstrations within theterritorial limits
6. f)  the provision and management of canteen, social, sports and welfare organisations for the benefit of employees of the insured.

Costs and Expenses

1. a)  Claimants’ costs and expenses which the insured become legally liable to payb)  costs incurred with the Insurer’s written consent in defending any claimfor damagesc)  costs incurred with the Insurer’s written consent for:
   • i)  representation at any coroner’s inquest or fatal injury inquiry
   • ii)  defending in any court of summary jurisdiction any proceeding to respect of any act or omission causing or relating to any event which may be the subject of indemnity under this policy.

     Data Processing System

     Any computer or data processing equipment or media or microchip or integrated circuit or any similar device or any computer software or computer firmware.

     Employee

     1. a)  any person under a contract of service or apprenticeship with the insured
     2. b)  any person who is hired to or borrowed by the insured
     3. c)  any person engaged in connection with a work experience or training scheme or students engaged in case study or pre-qualification work
     4. d)  any labour master or person supplied by him/her
     5. e)  any person engaged by labour only subcontractors
     6. f)  any self-employed person working on a labour only basis under the control or supervision of the insured
     7. g)  any voluntary helper while working for the insured in connection with the business.

     Injury

     Bodily injury, illness, mental injury, mental anguish, nervous shock or disease (including death).

     Insurer

     Zurich Insurance plc. Also referred to as we, us or our.

     Insured

     The insured stated in the schedule including but not limited to: health or well-being professional, teacher, student, clinic, school, agent, other health, fitness, beauty or well-being related business as described herein.

     Nuclear installation

     Any installation of such class or description as may be prescribed by regulations made by the relevant Secretary of State from time to time by statutory instrument being an installation designed or adapted for:

     1. a)  the production or use of atomic energy
     2. b)  the carrying out of any process which is preparatory or ancillary to the production or use of atomic energy and which involves or is capable of causing the emission of ionising radiation
     3. c)  the storage, processing or disposal of nuclear fuel or of bulk quantities of other radioactive matter being matter which has been produced or irradiated in the production or use of nuclear fuel.

     Nuclear reactor

     Any plant including any machinery, equipment or appliance whether affixed to land or not designed or adapted for the production of atomic energy by a fission process in which a controlled chain reaction can be maintained without an additional source of neutrons.

     Offshore

     Any offshore installation or support or accommodation vessel for any offshore installation or in transit to from or between any offshore installation or support or accommodation vessel for any offshore installation.

     Premises

     Any place where a Health Professional or a Health-Related Business undertakes activities in the course of the business.

     Products

     Any commodities or goods or any thing (including audio, video or written materials, packaging, containers and labels) sold, supplied, hired out, constructed, erected, installed, treated, repaired, serviced, processed, stored, handled, transported or disposed of by or on behalf of the insured or any structure constructed, erected or installed or contract work executed by or on behalf of the insured in the course of the business of the insured.

     Property

     Material property.

     Territorial Limits

     Section I and Section II

     1. a)  Anywhere within the limits of Great Britain, Northern Ireland, the Channel Islands or the Isle of Man
     2. b)  i) anywhere in the world in respect of work which is not treatment work; andii) anywhere in the world other than the United States of America or Canada and any territory under their jurisdiction in respect of treatment workcarried out during temporary visits by the insured and/or any employee normally resident in and travelling from Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.

     Section III

     Anywhere in the world in respect of products supplied in or from Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.

     Treatment work

     Provision of treatments, therapies or cosmetic procedures in connection with the business.

     Insuring clauses

     The insurer shall indemnify the insured against all sums that the insured shall become legally liable to pay as damages and costs and expenses of claimants arising from the following circumstances:

     Section I Professional Liability

     All claims arising out of the conduct of the business within the territorial limits and during the period of insurance for:

     1. a)  any breach of professional duty due to a negligent act, error or omission committed or alleged to have been committed by the insured or on the insured’s behalf
     2. b)  any act of libel or slander committed or uttered in good faith by the insured
     3. c)  unintentional infringement of any intellectual property right, design right,registered design, trademark or patent committed by the insured
     4. d)  unintentional breach of confidentiality or unintentional misuse of any information which could be deemed confidential in nature or has restrictions regarding its use by the insured.

     Irrespective of:

     1. i)  the number of patients or entities entitled to indemnity
     2. ii)  the number of claimants

     the limit of indemnity granted by this section and all extensions in respect of all claims shall not exceed the limit of indemnity specified in the schedule.

     In addition to the limit of indemnity the insurer will pay costs and expenses. Exclusions applicable to Section I

     The indemnity granted under Section I shall not apply to or include:

     1. Clinical Trials

     Liability arising out of any clinical trials requiring authorisation under the Medicines for Human Use (Clinical Trials) Regulations 2004 or clinical investigation requiring approval under the Medical Devices Regulations 2002.

     2. Criminal or Malicious ActsLiability arising out of any criminal, fraudulent act or omission or malicious act.
     3. Directors’ and Officers’ LiabilityLiability incurred by any person in his capacity as a Director or Officer of any company or other entity or as a Trustee of any Trust.
     4. Employment
        1. a)  liability arising out of death, bodily injury, mental injury, sickness, disease, mental anguish or shock of any employee
        2. b)  liability arising out of any obligation owed by the insured as an employer or potential employer to any business partner, director, member, employee or applicant for employment.
     5. Employers and Employment LiabilityLiability arising for breach of any duty owed by the insured as an employer to a person Employed or former person Employed or applicant for employment, provided that this exclusion shall not exclude any claim by a person Employed who has been treated by the insured as a patient or client when such claim is brought in that capacity and when such treatment is for matter unrelated to the person’s employment. For the purpose of clarification, the insured may waive payment of their normal charge or any of their charges.
     6. InsolvencyLiability arising out of the insured’s insolvency or bankruptcy. This exclusion will not apply to any claim or circumstance that would be covered under this policy but for the insured’s insolvency or bankruptcy.
     7. Maintaining InsuranceLiability arising out of the failure to arrange or maintain insurance.
     8. Prior Circumstances and ClaimsLiability arising from any circumstance, fact, matter of occurrence that:

     a) the insured knew or that in the insurer’s reasonable opinion the insured ought to have known prior to inception of this policy which might give rise to a claim against the insured

     2. b)  was notified by the insured under any other insurance policy prior to inception of this policy
     3. c)  was disclosed or in the insurer’s reasonable opinion ought to have been disclosed on the insured’s latest proposal to the insurer.

     9. Trading Losses

     Liability for any claims for any trading losses or trading liabilities.

     10. Warranties and Guarantees

     Liability for any claim which arises under any express indemnity, warranty (except warranty of authority) or guarantee or similar provision save in so far as such liability would have arisen to the same extent in the absence of such express indemnity, warranty, guarantee or similar provision.

     11. Training

     Liability in respect of a training establishment or course run by the insured and offered to the public as delivering a qualification of competency, unless cover is arranged to do so and stated as such in the policy schedule. This exclusion does not apply in respect of Healing or Reiki.

     Section II Public Liability

     1. a)  accidental death or accidental personal injury to any person other than an employee where such death or personal injury arises out of and in the course of the employment
     2. b)  accidental loss of or accidental damage to property
     3. c)  accidental nuisance or trespass, obstruction, loss of amenities or interferencewith any right of way, light, air or water
     4. d)  wrongful arrest, detention, malicious prosecution
     5. e)  libel or slander, arising from business activities of the insured as defined in the policy
     6. f)  breach of confidentiality or misuse of any information which could be deemed confidential in nature or has restriction concerning its’ use

     within the territorial limits during the period of insurance and happening in connection with the business of the insured.

     The liability of the insurer for all compensation payable by the insured to any claimant or number of claimants in respect of any one occurrence or all occurrences of a series arising out of one original cause shall not exceed the limit of indemnity.

     In additional to the limit of indemnity the insurer will pay costs and expenses. Exclusions applicable to Section II

     The indemnity granted under Section II shall not apply to or include:

     1. Property Held in Trust

     1. a)  liability in respect of loss of or damage to property belonging to the insured which is leased, let or lent to or which is the subject of a bailment to the insured but this shall not apply to customers’ or employees’ property. However this exclusion shall not apply in respect of premises leased, let, rented, hired or lent to the insured for legal liability.
     2. b)  loss or damage arising under agreement unless liability would have attached to the insured in the absence of such agreement
     3. c)  loss or damage to premises caused by fire or any other peril against which a tenancy or other agreement stipulates that insurance for the premises shall be effected by or on behalf of the insured under a specific policy for buildings.
     4. d)  for the costs of or remedying any defect or alleged defect in land or premises sold or disposed of by the insured or for any reduction in the value thereof.

     2. Training

     Liability in respect of a training establishment or course run by the insured and offered to the public as delivering a qualification of competency, unless cover is arranged to do so and stated as such in the policy schedule. This exclusion does not apply in respect of Healing or Reiki. Other modalities may be covered subject to the schedule being endorsed.

     Section III Products Liability

     1. a)  accidental injury to any person other than an employee where such injury arises out of and in the course of the employment
     2. b)  accidental loss of or accidental damage to property

     occurring during the currency of this policy within the territorial limits caused

     by products.

     The liability of the insurer for all compensation payable by the insured in respect of all such injury and such loss of or such damage to such property occurring during any one period of insurance shall not exceed the limit of indemnity.

     In additional to the limit of indemnity the insurer will pay costs and expenses. Exclusions applicable to Section III

     The indemnity granted by Section III shall not apply to or include:

     1. Exports to USA or CanadaIn respect of injury or loss of or damage to property caused by or in connection with any products supplied which to the knowledge of the insured are directly or indirectly exported to the United States of America or Canada
     2. Products to Non Patients or ClientsIn respect of any products supplied by the insured to a person or entity who is not a patient or client where no advice or treatment has taken place and where the annual turnover in respect of such products supplied is above £30,000 unless otherwise stated in the schedule
     3. Prohibited SubstancesAny claim or investigation arising from the unlawful sale, supply, use or application of any prohibited substance

     4. 5. Excluded products

        Any claim or investigation arising from;

        1. i)  Retin-A or a concentration of Glycolic and other Alpha-Hydroxy acids in excess of 50% by volume unbuffered/esterified
        2. ii)  Henna products containing Paraphenylene Diamine (PPD)
        3. iii)  Concentrations of TCA (trichloroacetic acid 7% combined with salicylic acid 2%) in excess of these respective percentages

        6. Training

        Liability in respect of a training establishment or course run by the insured and offered to the public as delivering a qualification of competency, unless cover is arranged to do so and stated as such in the policy schedule. This exclusion does not apply in respect of Healing or Reiki.

        General exclusions

        The indemnity granted under this policy shall not apply to or include:

        1. Hepatitis

        Any claim or liability arising from the infection and /or transfer of Hepatitis or any condition directly or indirectly caused by or associated with Human T- Cell Lymphotropic Virus type II (HTLC III) or Lymphadenopathy Associated Virus (LAV) or the mutants, derivatives or variations thereof, or in any way related to Human Immunodeficiency Virus or Acquired Immune Deficiency Syndrome or Creutzfeldt-Jacob Disease (CJD) or any syndrome or condition of a similar kind, however it maybe named

        2. Liquidated or Punitive Damages or FinesAny amount in respect of:
           1. a)  liquidated damages, penalties or fines which attach solely because of a contract or agreement
           2. b)  punitive or exemplary damages
        3. Loss of Dataa)  loss, destruction or damageb)  consequential loss, additional expenditure or extra expensesc)   legal liability

           d)  other fees, costs, disbursements, awards or other expenses of whatsoever nature whole or in part from;

        1. i)  the way in which any data processing system responds to or deals with or fails to respond to or fails to deal with any true calendar date
        2. ii)  any data processing system responding to or dealing in any way with:
           1. 1  any data denoting a calendar date or dates as if such data did notdenote a calendar date or dates
           2. 2  any data not denoting a calendar date or dates as if such data denoted a calendar date or dates

        whether such data processing system is the property of the insured or not and whether operating before during or after the Year 2000

        directly or indirectly caused by or contributed to by or consisting of or arising in

        4. Nuclear

        death, injury, disablement or loss or damage to any property or any loss or expense resulting or arising therefrom or any consequential loss or any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from:

        1. a)  ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel
        2. b)  the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, nuclear reactor or other nuclear assembly or nuclear component thereof
        3. c)  any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
        4. d)  the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter but this exclusion d) will not apply to radioactive isotopes other than nuclear fuel when such isotopes are being prepared, carried, stored or used for commercial, agricultural, medical, scientific or other peaceful purposes

        5. Overseas CompaniesAny associated or subsidiary company of the insured or branch office or representative of the insured with Power of Attorney domiciled elsewhere than in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man
        6. Sexual HarassmentAny claim or investigation arising from conviction of actual or attempted sexual relations, sexual contact or intimacy, sexual harassment or sexual exploitation whether under the guise of treatment or not, or in the course of treatment or not. This exclusion does not apply to defence costs or reasonable legal expenses following the successful defence of any such claim or investigation.

        7. War

        Any consequence, whether direct or indirect, of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

        8. Age

        Any claim or investigation arising from the therapeutic treatment or advice given to persons under 16 years of age unless the parent or guardian has provided consent however this exclusion shall not apply in respect of treatment given if the person has been assessed as having Gillick competency to consent to the treatment they received.

        9. Students’ Work

        In respect of any Treatment or Advice given by any person who is not qualified in the Procedure being undertaken except:

        1. a)  under the direct supervision of a qualified person or
        2. b)  with the specific agreement of the insurer or
        3. c)  for students’ case study work, or for other work prior to qualification being obtained, if deemed ready or competent to do so by their school or tutor

        providing that:

        1. i)  students do not practice outside the scope of what they have been taught, and that regular supervision and/or on-going case consultation and review for such case studies is in place
        2. ii)  students are to declare to any recipient in advance that they are not qualified.
        3. iii)  students may charge a fee if appropriate, provided this is allowed by the tutor or school in question and that it is a modest amount and evidently lower than an experienced and qualified professional would normally charge.

        10. Tour Operators Liability

        Any claim or liability arising from or in connection with

        a) the sale or provision of travel or accommodation, holidays, package tours, excursions, retreats or business trips

        or

        b) from The Package Travel, Package Holidays and Package Tours Regulations Act 1992 or any similar legislation or Statutory Instrument for the time being in force within the European Union.

        11. Exposure to Ultraviolet Radiation

        Any claim or liability arising out of or in connection with the exposure to Ultraviolet Radiation

        For the purposes of this exclusion Ultraviolet Radiation shall mean the ultraviolet region (wavelength 10 nanometres to 400 nanometres) on the electromagnetic spectrum.

        Extensions

        The insurance under this policy is subject to the following extensions provided always that:

        1. these extensions are subject to the terms, limitations and conditions of the policy in so far as they can apply
        2. the total liability of the insurer to pay compensation shall not exceed the limit of indemnity.

        1. Patient ConfidentialityThis policy extends to indemnify the insured in respect of legal costs incurred where the insured has refused to release on ethical or therapeutic grounds confidential patient information, where required to do so in the form of a report or witness attendance by a court, disciplinary hearing or tribunal case.Provided always that:
           1. a)  the liability of the insurer shall not exceed £20,000, any one occurrence during the period of insurance
           2. b)  this limit will form part of and not be in addition to the limit of indemnity stated in the schedule.
        2. Good Samaritan Acts & First AidThis policy extends to indemnify the insured and any director, partner or employee of the insured in respect of any first aid or emergency medical assistance rendered where they are present during an emergency situation.
        3. Loss of ReputationThe insurer will indemnify the insured for costs incurred with the insurers consent in respect of the appointment of public relations professionals as a result of a complaint, lawsuit or other action by a third party.Provided always that
           1. a)  the liability of the insurer shall not exceed £35,000 any one occurrence during the period of insurance
           2. b)  this limit will form part of and not be in addition to the limit of indemnity stated in the schedule.

        4. Retrospective Extension

        The indemnity provided by;

        1. a)  Section I – Professional Liability
        2. b)  Section II – Public Liability
        3. c)  Section III – Products Liability

        extends subject otherwise to the terms, exclusions, general exclusions, limitations and conditions of this policy to indemnify the insured in respect of all sums which they shall become legally liable to pay as compensation as defined in the Insuring Clause of Section I and Section II and Section III that:

        1. i)  happened prior to the commencement of the Period of Insurance and is first notified in writing to the insured during the Period of Insurance and any time thereafter or:
        2. ii)  an indemnity is not provided by a previous insurance policy.

        4a. Retrospective Extension replacing 4 above in respect of new joiners to the scheme post 1.4.2011
        The indemnity provided by;

        1. a)  Section I – Professional Liability
        2. b)  Section II – Public Liability
        3. c)  Section III – Products Liability

        extends subject otherwise to the terms, exclusions, general exclusions, limitations and conditions of this policy to indemnify the insured in respect of all sums which they shall become legally liable to pay as compensation as defined in the Insuring Clause of Section I and Section II and Section III, that:

        1. i)  happened prior to commencement of the Period of Insurance and is first notified in writing to the insured during the Period of Insurance and
        2. ii)  an indemnity is not provided by a previous insurance policy solely by reason of the event likely to give rise to a claim being intimated to them outside the period specified for the notification of claims.

        It is condition precedent to any liability of the insurer to make any payment under this extension that in the event of a claim notification, details of previous policy cover must be provided.

        5. Teaching

        This policy is extended to indemnify the insured for legal liability incurred in respect of teaching, provided as an individual tutor, where the insured is not personally responsible for the delivery of a certificate of competence, or a qualification, and is not running a training establishment for the delivery of such, unless otherwise stated in the policy schedule. The delivery of qualifications and certificates of competence for Healing or Reiki are however automatically included.

        6. Upgrade ClauseAny increase in the limits of indemnity during the period of insurance as endorsed on the schedule following consideration of premium will thereafter apply retrospectively for Section 1 – Professional Liability, Section II – Public Liability and Section III – Products Liability of this policy.This extension will not apply to any claim or incident that was likely to give rise to a claim that was known to the insured before the increase in limit of indemnity was stated on the schedule.
        7. Pre Disciplinary Hearing and Complaints CostsThis policy is extended to pay costs and expenses with the insurer’s written consent in preparing a response to allegations of unprofessional conduct or behaviour likely to give rise to a disciplinary hearing with a professional body or regulator.Provided always that:
           1. a)  the liability of the insurer shall not exceed £1,500 any one occurrence during the period of insurance
           2. b)  this limit will form part of and not be in addition to the limit of indemnity stated in the schedule.
        8. Loss of DocumentsThis policy is extended to indemnify the insured in respect of any expense incurred by the insured with the insurer’s written consent in replacing or restoring documents whether owned by, or the responsibility of the insured in the conduct of the insured’s business which are discovered lost or damaged and notified to the insured during the policy/certificate period.

        Provided always that:

        1. a)  the liability of the insurer shall not exceed £50,000 any one occurrence during the period of insurance
        2. b)  this limit will form part of and not be in addition to the limit of indemnity stated in the schedule.

        9. Car Park Liability

        The insurer will indemnify the insured in respect of vehicles which are the responsibility of persons other than the insured that are held in trust by or in the custody or control of the insured, the insurer will, subject to the terms exclusions, conditions and endorsements of this policy indemnify the insured against legal liability in respect of loss of or damage to such vehicles.

        Provided always that:

        a)

        b) c)

        such vehicles are not:

        1. i)  being stored by the insured for a fee or other consideration
        2. ii)  held in trust by or in the custody or control of the insured for the purposes of work being carried out on them

        the liability of the insurer shall not exceed £20,000 any one occurrence during the period of insurance

        this limit will form part of and not be in addition to the limit of indemnity stated in the schedule.

        10. Consumer Protection Act 1987

        The insurer will indemnify the insured or at the request of the insured any director or employee of the insured against legal costs and expenses incurred in the defence of any criminal proceedings brought for a breach of Part 11 of the Consumer Protection Act 1987 or any regulations made there under committed or alleged to have been committed during the period of insurance including legal costs and expenses incurred with the consent of the insurer in an appeal against conviction arising from such proceedings.

        Provided always that:

        1. a)  the criminal proceedings relate to an offence committed in the courseof the business
        2. b)  this extension shall apply only to proceedings brought in Great Britain,Northern Ireland, the Isle of Man or the Channel Islands
        3. c)  the insurer shall not be liable under this extension:
           1. i)  where the insured, director or employee is insured by any other policy of insurance
           2. ii)  where the criminal proceedings are in respect of any deliberate or intentional criminal act or omission of the insured, director or employee
           3. iii)  in respect of legal costs and expenses which the insured, director or employee may be ordered to pay by a court of criminal jurisdiction in respect of the deliberate or intentional criminal act or omission of the insured, director or employee
           4. iv)  in respect of fines or penalties
           5. v)  for the cost of any investigation or inquiry other than a solicitor’s investigation restricted to criminal proceedings as above defined
           6. vi)  unless the insurer has the sole conduct and control of all claims
           7. vii)  the insured, director or employee shall give to the insurer immediate notice of any summons or other process served upon the insured, director or employee and of any event that may give rise to proceedings against the insured, director or employee.

        11. Corporate Manslaughter and Corporate Homicide Act 2007

        This policy extends to indemnify the insured in respect of legal costs and expenses incurred with the insurer’s prior written consent in connection with the defence of any criminal proceedings (including any appeal against conviction arising from any such proceedings) brought in respect of a charge and or investigations connected with a charge of corporate manslaughter or corporate homicide under the Corporate Manslaughter and Corporate Homicide Act 2007 or any equivalent legislation in the Isle of Man or the Channel Islands committed or alleged to have been committed during the period of insurance in the course of the business.

        Provided always that:

        1. a)  the insurer’s liability under this extension shall not exceed £5,000,000 in any one period of insurance. This limit will form part of and not be in addition to the limit of indemnity stated in the schedule
        2. b)  this extension shall only apply to proceedings brought in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands
        3. c)  the insurer must consent in writing to the appointment of any solicitor or counsel who are to act for and on behalf of the insured.

        12. Court Attendance Costs

        In the event of any of the under mentioned persons attending court as a witness at the request of the insurer in connection with a claim in respect of which the insured is entitled to indemnity under this policy, the insurer will provide compensation to the insured at the following rates per day for each day on which attendance is required:

        1. a)  any director or partner of the insured £500
        2. b)  any employee £250.

        13. Cross Liability

        Where this policy is issued in the joint names of more than one party it will indemnify each party in the same manner as if a separate policy had been issued to each of them.

        14. Defective Premises Act 1972

        The insurer will indemnify the insured against liability at law incurred by the insured under Section 3 of the Defective Premises Act 1972 or Section 5 of the Defective Premises (Northern Ireland) Order 1975 in connection with premises which have been disposed of by the insured.

        Provided always that the insurer shall not be liable under this extension:

        1. a)  for the cost of remedying any defect or alleged defect in the said premises
        2. b)  in respect of liability more specifically insured under any other insurance.

        15. Heath and Safety at Work etc. Act 1974

        The insurer will indemnify the insured or at the request of the insured any director or employee of the insured against legal costs and expenses incurred in the defence of any criminal proceedings brought for a breach of the Health and Safety at Work etc. Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978 or any regulations made there under committed or alleged to have been committed during the Period of Insurance including:

        1. a)  costs of prosecution awarded against the insured or any director or employee of the insured
        2. b)  legal costs and expenses incurred with the consent of the insurer in an appeal against conviction arising from such proceedings.

        Provided always that the insurer shall not be liable under this extension for:

        1. i)  the payment of fines and penalties of any kind
        2. ii)  the cost of appeal against improvements or prohibition notices.

        16. Indemnity to Other Persons including Personal Representatives

        In the event of any claim in respect of which the insured named would be entitled to receive indemnity under this policy being brought or made against:

        1. a)  any director, business partner, agent or member
        2. b)  any employee or volunteer
        3. c)  any contractor, principal, public or local authority for whom the insured are or have been carrying out work but only to the extent required by the contract for the work
        4. d)  any employee acting as a member of the insured’s first aid or medical arrangements but excluding conventional medical practitioners in respect of liability for damages and legal costs resulting from treatment given
        5. e)  any officer or member of the insured’s catering, social, sports or welfare organisations
        6. f)  any personal representative of the insured in the event of the insured’s death

        the insurer will indemnify such person if the insured so request against such claim and/or any costs, charges and expenses in respect thereof.

        Provided always that:

        1. i)  such person is not entitled to indemnity under any other insurance; and
        2. ii)  such person will as though they were the insured observe, fulfil and be subject to the terms and conditions of this policy; and
        3. iii)  the insurer shall not be liable under this extension unless the insured have the sole conduct and control of all claims.

        17. Pollution

        This policy excludes all liability in respect for Pollution or Contamination other than caused by a sudden, identifiable, unintended and unexpected incident which takes place in its entirety at a specific time and place during the period of insurance.

        All Pollution or Contamination which arises out of one incident shall be deemed to have occurred at the time such incident takes place.

        For the purpose of this exclusion Pollution or Contamination shall be deemed to mean:

        1. a)  all Pollution or Contamination of buildings or other structures or of water or land or the atmosphere; and
        2. b)  all loss or damage or injury directly or indirectly caused by such Pollution or Contamination.

        Conditions

        1. Arbitration

        If the insurer admits liability for a claim but there is a dispute as to the amount to be paid the dispute will be referred to an arbitrator. The arbitrator will be appointed jointly by the insured and the insurer in accordance with the law at the time. The insured may not take any legal action against the insurer over the dispute before the arbitrator has reached a decision.

        2. Cancellation

        The insurer may cancel this policy by sending 30 days notice by recorded delivery to the insured at their last known address and in such event the insured shall become entitled to a return of a proportionate part of the premium corresponding to the unexpired portion of the period of insurance.

        3. Change in CircumstancesThe insured must notify the insurer as soon as possible during the period of insurance if there is any change in circumstances or to the material facts previously disclosed by the insured to the insurer or stated as material facts by the insurer to the insured which increases the risk of accident, injury, loss, damage or liability.Upon notification of any such change the insurer will be entitled to vary the premium and terms for the rest of the period of insurance. If the changes make the risk unacceptable to the insurer then the insurer is under no obligation to agree to make them and may no longer be able to provide the insured with cover.If the insured does not notify the insurer of any such change the insurer may exercise one or more of the options described in clauses c) i), ii) and iii) of condition 7 – Fair Presentation of the Risk but only with effect from the date of the change in circumstances or material facts.

            

           4. Claims Procedure

           The insured shall not except at their own cost, take any steps to compromise

           or settle any claim or admit liability without specific instructions in writing from the insurer, nor give any information or assistance to any person claiming against them, but the insurer’s shall for so long as they shall so desire that the absolute conduct and control of all proceedings (including arbitration’s) in respect of any claims for which the insurer may be liable under this policy and may use the name of the insured to enforce for the benefit of the insurer any order made for costs or otherwise or to make or defend any claim for indemnity or damages against any third party or for any other purpose connected with this policy.

           5. Contractual Right of Renewal (Tacit)If the insured pays the premium to the insurer using the insurer’s Direct Debit instalment scheme, the insurer will have the right (which the insurer may choose not to exercise) to renew the policy each year and continue to collect premiums using this method. The insurer may vary the terms of the policy (including the premium) at renewal. If the insured decides that he does not want the insurer to renew the policy, provided the insured tells the insurer (or Balens Ltd) before the next renewal date, the insurer will not renew it.
           6. Discharge of LiabilityThe insurer may at any time pay to the insured in connection with any claim or series of claims the amount of the limit of indemnity (after deduction of sums already paid as compensation in respect of such claim or claims or other relevant claims) or any lesser amount for which such claim or claims can be settled and upon such payment being made, the insurer relinquish the conduct and control of and be under no further liability in connection with such claim or claims other than the payment of costs and expenses incurred prior to the time of such payment.
           7. Fair Presentation of the Riska)  At inception and renewal of this policy and also whenever changes are made to it at the insured’s request the insured must:i)  disclose to the insurer all material facts in a clear and accessible manner; andii)  not misrepresent any material facts.

              b)  If the insured does not comply with clause a) of this condition the insurer may:

              i)  avoid this policy which means that the insurer will treat it as if it had never existed and refuse all claims where any non-disclosure or misrepresentation by the insured is proven by the insurer to be deliberate or reckless in which case the insurer will not return the premium paid by the insured; and

              ii)  recover from the insured any amount the insurer has already paid for any claims including costs or expenses the insurer has incurred.

           c) If the insured does not comply with clause a) of this condition and the non- disclosure or misrepresentation is not deliberate or reckless this policy may be affected in one or more of the following ways depending on what the insurer would have done if the insurer had known about the facts which the insured failed to disclose or misrepresented:

           1. i)  if the insurer would not have provided the insured with any cover the insurer will have the option to:1)  avoid the policy which means that the insurer will treat it as if it had never existed and repay the premium paid; and2)  recover from the insured any amount the insurer has already paid for any claims including costs or expenses the insurer has incurred
           2. ii)  if the insurer would have applied different terms to the cover the insurer will have the option to treat this policy as if those different terms apply. The insurer may recover any payments made by the insurer on claims which have already been paid to the extent that such claims would not have been payable had such additional terms been applied
           3. iii)  if the insurer would have charged the insured a higher premium for providing the cover the insurer will charge the insured the additional premium which the insured must pay in full.

           d) Where this policy provides cover for any person other than the insured and that person would if they had taken out such cover in their own name have done so for purposes wholly or mainly unconnected with their trade, business or profession the insurer will not invoke the remedies which might otherwise have been available to the insurer under this condition if the failure to make a fair presentation of the risk concerns only facts or information which relate to a particular insured person other than the insured.

           Provided always that if the person concerned or the insured acting on their behalf makes a careless misrepresentation of fact the insurer may invoke the remedies available to the insurer under this condition as against that particular person as if a separate insurance contract had been issued to them leaving the remainder of the policy unaffected.

           8. Fraudulent Claims

           If the insured or anyone acting on the insured’s behalf:

           a)  makes a fraudulent or exaggerated claim under this policy; or

           b)  uses fraudulent means or devices including the submission of false or forged documents in support of a claim whether or not the claim is itself genuine; or

           c)  makes a false statement in support of a claim whether or not the claim is itself genuine; or

           d)  submits a claim under this policy for loss or damage which the insured or anyone acting on the insured’s behalf or in connivance with the insured deliberately caused; or

           e)  realises after submitting what the insured reasonably believed was a genuine claim under this policy and then fails to tell the insurer that the insured has not suffered any loss or damage; or

           f)  suppresses information which the insured knows would otherwise enable the insurer to refuse to pay a claim under this policy

           the insurer will be entitled to refuse to pay the whole of the claim and recover any sums that the insurer has already paid in respect of the claim.

           The insurer may also notify the insured that the insurer will be treating this policy as having terminated with effect from the date of any of the acts or omissions set out in clauses a) to f) of this condition.

           If the insurer terminates this policy under this condition the insured will have no cover under this policy from the date of termination and not be entitled to any refund of premium.

           If any fraud is perpetrated by or on behalf of an insured person and not on behalf of the insured this condition should be read as if it applies only to that insured person’s claim and references to this policy should be read as if they were references to the cover effected for that person alone and not to the policy as a whole.

           9. Instruments

           The insured shall ensure that;
           hypodermic needles shall be used once only; or
           a) any other instrument having need to contact or penetrate tissue shall be either:

           1. i)  used once only
           2. ii)  sterilised to the current professionally recognised standard if (iii) below has been updated
           3. iii)  sterilised using one of the following disinfection process options:

           Instrument boiler Sub-Atmospheric steam Washer disinfector

           100 ̊C 5-10 minutes 73 ̊C 10 minutes 65 ̊C 5-10 minutes 70-71 ̊C 3 minutes 80 ̊C 1 minute 90 ̊C 1 second

           b) any surface which has received spillage of human or animal or body fluid or has been contacted by human or animal tissue shall be disinfected by the use of one of the following or otherwise effectively sterilised to the current recognised professional standard:

           1. i)  Formaldehyde
           2. ii)  2% Glutaraldehyde
           3. iii)  70% Alcohol
           4. iv)  Chlorine releasing agents
           5. v)  Clear soluble phenols.

           The disinfectant chosen must be effective, compatible with the items processed and if an irritant substance is used, all traces of the disinfectant must be removed before the instrument is re-used.

           c) The insured shall ensure that all clinical waste is disposed of into a Sharps container immediately after use and further disposed of by an appropriately qualified waste contractor or other approved method according to the currently recognised professional standard.

           10. Notice of ClaimsThe insured shall on the happening of any loss, damage, injury or
               accident, give immediate notice thereof in writing to Balens Ltd, Bridge House, Portland Road, Malvern, WR14 2TA. Direct Dial – 01684 580793.
               Main office: 01684 893006. Fax: 01684 891361. Claims out of hours: 07918941497 and shall at his/her own expense as promptly as possible deliver to Balens a claim with such detailed particulars and proofs (including copies of his or her own qualification certificates) as may reasonably be required.
           11. Observance of Policy TermsThe due observance of the terms, provisions, conditions and endorsements of this policy by the insured in so far as they relate to anything to be done are complied with by the insured shall be a condition precedent to any liability of the insurer to make any payment under this policy.
           12. Other InsurancesIf at any time any claim arises under this policy there be any other insurance covering the same liability the insurer shall not be liable to pay or contribute more than its rateable proportion of any such claim and costs and expenses in connection therewith.
           13. Payment by InstalmentsReference to the payment of premium includes payment by monthly instalments. If the insured pays by this method the policy remains an annual contract and the date of the payment and the amount of the instalments are governed by the terms of the credit agreement. If an instalment is not received by the due date then subject to the Consumer Credit Act 1974 (if applicable) the credit agreement and the policy will be cancelled immediately.
           14. Record Keepinga)  The insured shall adequately record each and every treatment given to each and every client.b)  The record is to include full details of the consultation process, the treatment, the result of the treatment and any aftercare instructions given where appropriate.

                    c) The record shall be kept for at least 7 years following the last occasion on       which treatment was given. In the case of treatment to minors,it is advisable that records should be kept for at least 7 years after they reach the age of majority (18).

           d)  In the case of trial or demonstration sessions undertaken at shows, seminars, talks, conferences, courses and exhibitions etc. instead of a) b) or c) above, the name and brief details of the person, date of session and condition being treated should be recorded.

           e)  In the case of sessions or classes undertaken in the form of yoga, pilates, fitness, exercise, meditation or mediumship instead of a), b), c) or d) above, the name and brief details of the person, date of session and any other relevant observations should be recorded.

           f)  The record should include evidence of patch testing where applicable.

           15. Reversion of Cover

           In the event that Balens Limited cease at the request of the insured to be its nominated brokers then the insurer shall have a right to cancel this policy by giving 14 days notice in writing by special delivery mail to the insured’s last known address and to offer the insured a standard Zurich Insurance plc Public and Products Liability policy wording as replacement cover a specimen of which is available upon request.

           16. Treatment by Beauty Therapists, Cosmetologists and Hairdressers

           The following condition will only apply in respect of beauty therapists, cosmetologists and hairdressers.

           The insured shall:

           1. a)  When working at a third party premises place a protective and impermeable sheet over the floor and furniture whilst working when using a procedure which could cause staining or other damage to such items.
           2. b)  For all treatment where the client is required to perform aftercare, written instructions describing that care shall be given to each and every client on each and every occasion that such treatment is given.
           3. c)  For hair, eyelash and eyebrow, tinting or perming, the insured shall take a skin test at least 24 hours before applying a hair, eyelash or eyebrow tint or

           perming to any person for the first time in accordance with maker’s instructions and the guidelines taught by the qualifying college or as subsequently recommended as current best professional practice. Evidence that the test has been done must be retained in the client record.

           d) Always carry out a tint test;

           1. i)  before the provision of the first treatment
           2. ii)  after a change in their medical history
           3. iii)  when the insured has changed any preparations used in tinting treatments or changed the manufacturer of their tinting preparations
           4. iv)  at a 12 month interval since the last treatment.

           Cover shall not apply to any incident which may arise from treatment given following an allergic reaction to a skin test.

           5. e)  Follow the recommended professional association or original training college guidelines for the treatments described hereunder;
              1. i)  Telangiectasia/Dilated Capillaries
              2. ii)  Spider Neavus
           6. f)  Obtain medical referral before providing treatment for;

           i) Hair removal from Moles or treating moles in any way

           g) Unless otherwise agreed to hold a Level 2 or above beauty therapist qualification or be a qualified doctor or nurse to use a Laser or other Light Therapy machine for the following treatments:

           1. i)  Hair removal
           2. ii)  Skin Rejuvenation, Red Veins or Acne
           3. iii)  Cellulite or Lipo treatment
           4. iv)  Laser Tattoo Removal.

           All practitioners must also hold manufacturers training and only use the equipment that is designed for this purpose and which is regularly serviced and maintained

           8. h)  Use specifically designed equipment and jewellery for ear piercing. The piercing instrument and jewellery inserted into the ear lobe must be sterile and comply with the Dangerous Substances and Preparation, (Nickel) (Safety) Regulations 2000.unless specifically agreed by the insurer cover excludes Piercees under the age of 16 years unless the parent is present and has given written consent to the procedure. Excludes Piercing undertaken elsewhere than in an area suitable for client treatment, in conditions that comply with national standards and local bylaws, at the insured’s premises
           9. i)  Check and record that any persons are not allergic to acrylics or plastics before applying false nails or nail extensions.
           10. j)  Ensure that case studies or other pre qualification work undertaken by students are approved, supervised, reviewed and directed by the college or tutor concerned.
           11. k)  In respect of Enlighten, IPL laser and other similar light based invasive therapies not undertake treatment of clients
               1. i)  With light induced epilepsy light sensitivity, porphyria, diabetes, skin tumours, skin cancer who have previously received laser treatment in the area to which light would be applied.
               2. ii)  Who may be pregnant.
               3. iii)  Taking photosensitive medication.
               4. iv)  Who are under the age of 16

           17. Qualifications

           The insured should be suitably qualified to perform the treatment/activities noted on the schedule of insurance and provide a formal qualification in
           the event of a claim, if not previously supplied. For new or own developed therapies/activities, or where a formal qualification may not exist, the insured must provide evidence of competency and or experience, which is approved by Balens, prior to inception of cover.

           Our complaints procedure

           Our commitment to customer service

           We value the opportunity to look into any concerns you may have with the service we have provided and we are committed to handling all complaints fairly, consistently and promptly.

           Who to contact in the first instance

           Many concerns can be resolved straight away therefore in the first instance please get in touch with your usual contact at Zurich or your broker or insurance intermediary as they will generally be able to provide you with an immediate response to your satisfaction.

           Contact details will be provided on correspondence that we or our representatives have sent you.

           If we cannot resolve your complaint straight away we will aim to resolve your concerns as soon as possible and we will keep you informed of progress while our enquiries are continuing.

           The majority of complaints we receive are resolved within four weeks of receipt.

           The Financial Ombudsman Service (ombudsman)

           If we are unable to resolve your complaint to your satisfaction within eight weeks or if you remain dissatisfied following receipt of our final response letter you may be able to ask the ombudsman to formally review your case. You must contact the ombudsman within six months of our final response.

           The ombudsman contact details are as follows:

           Financial Ombudsman Service Exchange Tower
           London
           E14 9SR

           You can telephone for free on:
           08000 234 567 for people phoning from a “fixed line” (for example a landline

           at home)

           0300 123 9 123 for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02

           or e-mail: complaint.info@financial-ombudsman.org.uk

           This is a free and impartial service and you are entitled to contact the ombudsman at any stage of your complaint.

           The ombudsman can help with most complaints if you are:

           • a consumer
           • a business employing fewer than 10 persons that has an annual turnover or balance sheet that does not exceed €2 million
           • a charity with an annual turnover of less than £1 million
           • a trustee of a trust with a net asset value of less than £1 million.

           If you are unsure whether the ombudsman will consider your complaint or for more information please contact the ombudsman directly, or visit http://www.financial-ombudsman.org.uk

           The Financial Services Compensation Scheme (FSCS)

           We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if we are unable to meet our obligations to you. Further information is available on www.fscs.org.uk or by contacting the FSCS directly on 0800 678 1100.

           Zurich Insurance plc

           A public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland.
           UK Branch registered in England and Wales Registration No. BR7985.
           UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

           Zurich Insurance plc is authorised by Central Bank of Ireland and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our authorisation by the Financial Conduct Authority are available on request. These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.

           Communications may be monitored or recorded to improve our service and for security and regulatory purposes.

           © Copyright – Zurich Insurance plc 2016. All rights reserved. Reproduction, adaptation, or translation without prior written permission is prohibited except as allowed under copyright laws.

           ZCYL126LC.05 (7103790