Insurance Cover

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Cover from 1st April 2016

Our relationship with James Hallam Ltd, our insurance Brokers, is based on many years of working together and it allows us to have a flexible approach and to negotiate additional cover options, such as extensions or cover for loss of remedies, working for special projects, practice outside of the UK, and practise of additional therapies.

Worldwide extensions
Our insurers RSA are helpful 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. They 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. NB: The extensions only apply to the Liability Section of the Policy covering Medical Malpractice, Public and Products liability. The Abbey Legal Professional Legal Protection Cover, Loss of Remedies and the Personal Accident Section is for UK practice only.

Personal Accident
The policy includes 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 the Society to make arrangements.

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
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.

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 – tel 0845 375 4308. A 24 hour counselling helpline is also available call 0845 074 2799.

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. Also if you need to speak to James Hallam directly you may call the Pro Med Team on 01923 298422 or email promed@jameshallam.co.uk or alternatively contact Allison Boon on 07714 137002 or Charly Winder 07739 615920.

Please note that The Society of Homeopaths Members Insurance Policy is administered by James Hallam Pro Med.  James Hallam Pro Med is a trading name of James Hallam limited, Meridien House, 71 Clarendon Road, watford, WD17 1DS (James Hallam Lmited is a Subsidiary of Seventeen Group Limited).  James Hallam Limited are authorised and regulated by the Financial Conduct Authority.

To download the:
information about how your membership and insurance cover work: click here 
application form for additional therapy cover (SOH LR1): click here
application form for exemption from insurance cover (SOH HR1): click here 

Insurance Act 2015: click here

If you require any information regarding the insurance cover provided contact

James Hallam Pro Med on 01923 298410 or email: promed@jameshallam.co.uk  

For members wanting more detailed information about the cover provided please log in to the members area of the site.

Looking for home insurance cover?

We are aware many insurers are reluctant to consider insurance cover for practitioners who see and or treat patients from home, and they are often not willing to extend the existing contents cover to accommodate the additional limits required for both equipment and stock within the home. 

James Hallam have a Private Clients team who are able to offer competitive rates to The Society of Homeopaths Members to ensure you are covered correctly for both your business and home.  For a competitive quite please contact the private clients team on 01245 204555 or email: PCL@jameshallam.co.uk and mention that you are a member.