Professional indemnity and public liability insurance that's comprehensive & affordable
For a therapist your foremost concern is the wellbeing of your clients. You keep up to date with the latest techniques and attend courses and have the industry standard qualifications. However you are always at the risk that a client can make a claim against your business in these increasingly litigious times. For example a client can claim that your treatment has injured them, or made them ill and unable to work. You need insurance so you don’t have to worry about the legal or compensation costs.
Whether you work on your own or employ staff and whether you work from home, or at clients’ homes, we can provide quick affordable cover for you and your business.
Cosmetician & Hairdresser
The job of a cosmetologist is to make your clients’ look and feel their best, whether it’s a new hair colour or a facial treatment. You need to make sure you are protected, part of which is covered by you obtaining the training, qualifications and licences to enable you to practice. The second part is to take insurance protection to cover you for events such as
If a treatment you give causes harm, you could be liable for the medical treatment
If you have an accident at a clients’ house such as product spills on flooring If a client slips on water near a washing station
Teaching or education professionals are at significant risk of negligence claims as you may be held responsible if results aren’t good enough. We can offer you the protection and ability to fight a potentially time consuming and disruptive legal claim by a school, local authority, private client or student.
We understand that accidents do occur and our public liability cover can protect you, for example if a visiting student slips and injures themselves or if school or a client’s equipment is damaged.
As a nurse you will have worked hard to reach your position and your primary focus will be on providing patient care. You may believe your employer-provided coverage offers you protection, however that will foremost be focused on your employer. However all it will take is a malpractice suit to jeopardize both your career and financial future, for example if a patient has an adverse effect to treatment and sues the entire team involved in their care.
We can offer you cover to give you that sense of security should you be subject to a malpractice case.
Personal Trainer & Instructor
As a personal trainer or fitness instructor, you need to protect yourself and your business against risks to give you peace of mind. Examples of these risks you face are;
- A client or employee being injured during an exercise workout, by tripping over gym equipment or a muscle pull or strain which you are blamed for
- A client being dissatisfied with the result of an exercise program and claims that your exercise program was inadequate for them
- Damage to or theft of expensive training equipment
The health plan that gives you a simple way to deal with your everyday healthcare expenses, designed for you and your family.
When it comes to looking after your health, and that of your family, it is surprising how quickly every day costs can begin to add up such as prescriptions, dental check-ups and eye tests. Our Cash Back Plan is designed to complement your existing health cover by giving you cash back up to your annual benefit limits on a range of medical expenses. We offer three different levels of cover and you can select the one which suits your needs.
KlaptonOnline is an internet platform enabling you to purchase a range of professional indemnity and public liability insurance products easily, efficiently and in a friendly manner. We are committed to providing niche product solutions to our customer base.
We are a division of Klapton Insurance Company Limited and we provide this facility for you, the customer, to manage your insurance needs online in the comfort of your own home.
We strongly believe that offering the best services and products available will build a relationship between us and you as the customer for many years to come. Through our website, you will be provided with the facility to manage your account online, but our experienced members of staff are here to support you whenever you need to contact us. Our contact details are on our Contact Us page.