Comprehensive Liability Cover for United Kingdom Residents

For members in the UK, we provide specialist coverage for your operations that includes medical malpractice, professional indemnity and public liability, all in one monthly policy subscription.

Why Choose the HCA Group Liability Plan?

These plans were created specifically for Holistic Nutritionists, Health Coaches and Wellness Professionals to address the needs of their operations.

Coverage Details for UK Members

Limit
Premium
Premium with IPT
£500
£263.00
£294.56
£1M
£350.00
£392.00
£2M
£455.00
£509.60
£3M
£508.00
£568.96
£4M
£560.00
£627.20
£5M
£578.00
£647.36
We offer specialist comprehensive cover for health coaches, holistic nutrition counsellors and yoga and pilates instructors. 
The policy is provided in partnership with Superscript to insure your business against Medical Malpractice, Professional Indemnity and Public Liability, all in one convenient policy. 

Monthly cover starts at £6.07 per month, including 12% Insurance Premium Tax.
Important details about the coverage 
  • Unlimited retroactive date - we’ll cover against any claim made during the time you hold a policy regardless of when the claim relates to.
  • Professional liability is covered on a claims-made and reported basis - you’ll need to make a claim or make us aware of a potential claim during the period of your policy. 
  • The monetary limit of cover provided: 
    • Professional Indemnity up to £1,000,000 on each occurrence
    • Public Liability up to £1,000,000 on each occurrence
    • Medical Malpractice up to £1,000,000 on each occurrence
  • Cover is for work undertaken by members based within the United Kingdom (even if the work is for an international client)
  • Cover includes a low deductible of £500 per claim, should you need to make one
  • Our comprehensive cover includes libel/slander, breach of confidentiality and inquest costs

Terms: 
  • The policy is paid for via monthly subscription and will automatically renew annually. You have the flexibility to pay monthly and can easily manage your policy to update your cover or cancel it at any time as your circumstances change through our online platform. 
  • ​Please note that the HCA has the authority to suspend members who do not provide proof of their liability insurance coverage when asked to do so.​ Any members who falsely claim they carry liability insurance in their registry profile while practicing will have their membership immediately suspended. ​
Why should I purchase liability insurance?
Claims of medical negligence against healthcare professionals can be very serious and have the power to not only damage your business and its finances but your professional reputation, too. A claim could result in disciplinary proceedings, medical malpractice inquiries and hefty legal and compensation costs.

Specialist healthcare insurance is designed to provide you with the right protection to defend yourself and cover the costs involved if a claim was made against you. It includes three specific covers under one policy: medical malpractice, professional indemnity and public liability.
Is the cover mandatory?
Yes. As well as protecting your business you must be able to provide proof of your liability insurance coverage to maintain membership.
How much does cover cost?
Our flexible monthly cover starts at £6.07 per month, including 12% Insurance Premium Tax.
HOw long does cover last?
The policy period is one year, paid for by a monthly subscription, and will automatically renew annually. ​
What if I want to cancel or change my policy?
You have the flexibility to pay monthly and can easily manage your policy to update your cover or cancel it at any time as your circumstances change through our online platform.
Do I have to be a member of CAIN to apply for this coverage?
Yes, you must be a CAIN professional member in good standing in order to qualify and maintain this coverage.  ​