Professional Indemnity Plus

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Towergate’s policy for Osgo members provides a variety of cover in one product, so there’s no need for you to purchase a portfolio of different policies to ensure you are protected against various possibilities. Our professional liability policy provides cover for:

  • Professional Indemnity
  • Public Liability
  • Product Liability
  • Libel and Slander
  • Legal Expenses

We understand that things don’t always go to plan, no matter how diligent we are and it’s also important to remember that you don’t have to have done anything wrong, all it takes is for someone to allege that you have and you may need to defend yourself.

If you ever find yourself in this situation, without an extended Professional Liability policy in place you could be faced with paying substantial damages and having to fund expensive legal fees yourself. Our insurance protects you against the expense and worry associated with any legal action potential taken against you.

One Policy, an Assortment of Cover

Professional Indemnity Cover

Your cover will include all aspects of typical podiatry in which you are competent. Typical podiatry work for which you would be insured if competent includes but is not exhaustive to:

  • Routine Skin and Nail Treatments
  • Nail Surgery
  • Local Anaesthetic Administration
  • Injection Therapy
  • Acupuncture (of lower limb)
  • Manual Therapy
  • Cosmetic Treatments
  • Administration and Supply of POMs

MAIN EXCLUSIONS*

The policy will not cover the use of any equipment in a manner for which it was not designed
The policy will not cover injury to employees (can be covered under a separate Employers’ Liability policy if required)
The policy will not cover the Insured if they cause someone to contract HIV or AIDS, or if they claim they can cure or alleviate the symptoms of HIV or AIDS
*Other exclusions apply

SPECIALIST LEGAL DEFENCE

Our specialist legal cover protects you and your business against potential costs arising from:

  • Tax protection if you are faced with a tax investigation
  • Contact and debt recovery
  • Employment disputes and compensation awards
  • Compliance and regualtion

Each policy covers sole trader practitioners and sole trader limited company’s up to the limit below. This policy is not an aggregate policy which limits cover to the entire group.

Professional Indemnity Cover up to turnover £150,000 £2mil cover £5mil cover
£101.79 £129.37

These prices are subject to Insurance Premium Tax at 12% and a £25 customer service fee.

These rates are based on sole traders and sole trader limited company’s turnover not exceeding £150,000.

For turnover exceeding £150,000 rates will be subject to underwriting criteria.