Cathedral Insurance Solutions
About us
CATHEDRAL - Insurance Solutions for Aesthetics
Being there for you when things get complicated…
Cathedral Insurance Solutions is a leading Aesthetics, Health and Wellness Insurance Broker, looking after clients across the UK.
Contact us for your Medical Malpractice Insurance and your other Commercial Insurances:
• Call +44 (0)1342 580106
• Email cathedral@rsrisk.solutions
• Fill in the enquiry form at https://rsrisk.solutions/insurance-by-industry/aesthetic-health-and-wellness/
We have a team of experts dedicated to supporting you to find and secure insurance protection which meets your needs at the right price.
There are various risks associated with running an aesthetics, health or wellness business and Cathedral Insurance Solutions will help you to understand those risks and what insurances are available to protect you should claims arise. We will also help you understand the insurance conditions and requirements of your policies, so that they respond if and when needed. This is because occasionally and unfortunately claims arise. Having the correct insurances in place, plus the help of a supportive and caring broker like Cathedral, are very important when facing what is usually a very stressful situation. We appreciate the cost of insurance is a key consideration, however, you also want the insurance protection you have paid for to respond.
Cathedral Insurance Solutions offers a wide range of insurance solutions including Medical Malpractice Insurance and Salon/Clinic/Commercial Packaged Insurances, as well as, Cyber, Directors’ and Officers’, Home Insurance, plus many more policy options tailored to your specific requirements.
Our responsive Aesthetics, Health and Wellness Team is here to help you and we have built our reputation based on our technical, responsive, expert advice, in both placing insurance and in relation to claims support. We also have access to a wide range of the UK’s leading insurers.
Please contact us by phone (+44 (0)1342 580106), email (cathedral@rsrisk.solutions) or obtain a quotation quickly by filling in the form at Aesthetics, Health and Wellness - RS Risk Solutions
Cathedral Insurance Solutions is part of RS Risk Solutions Limited group, which is authorised and regulated by the Financial Conduct Authority.
Products
Management Liability (Directors's and Officer's)
Directors’ and Officers’ liability insurance (or D&O insurance) covers an individual’s exposure for any mistake, breach (or alleged breach) of duty, poor judgement or decision and / or action in violation of law by an individual director and officer of a company. In this way, D&O offers personal protection as it is designed to cover the cost of claims for compensation made against the insured individual. It protects directors and officers for the decisions they make in their capacity as executives, partners, or officers of a business. The cost of defending against these claims alone means this cover is an essential first line of defence for claims arising in relation to actions for breaches / alleged breaches of health and safety, employment and pension scheme management, duty, negligence, pollution, defamation and libel. here
Cyber Insurance
Cyber Liability Insurance The increasing likelihood of having to cope with a cyber incident and/or cyber crime, such as ransomware, email hacking or a data breach, means cyber liability insurance cover is a critical form of protection today. This type of cover will not only pay the costs incurred following an incident but importantly provide the support of experts to help you manage the process of getting your business back on its feet. The type of support available by many insurers includes contacting the parties whose data has been breached, notifying the Information Commissioner’s Office (ICO), supporting you mitigate the damage to your company’s reputation by providing PR and crisis management in order to get your business running as quickly as possible. Cyber Security Insurance All businesses are becoming more and more reliant on technology to hold data, even the smallest businesses are retaining more business and personal identification information online – information about prospects, customers, suppliers, employees and shareholders, including personal contact and bank account details. In fact, any business that uses a computer to manage its business activities, has a website and / or takes electronic payments should consider cyber security insurance.
Salon and Surgery Insurance
RS Risk Solutions is able to place tailored surgery insurance for doctors/GPs, dentists, aestheticians, beauticians, tattooists, piercers and other medical centre-based firm, including, physiotherapy, sports injury, spas and wellness clinics. These packages provide a suite of cover that will protect all the key property and general liability risks. This may include property insurance for buildings or tenant’s improvements, contents and medical equipment/devices, stock (including cover for drugs and vaccines), computers, laptops and other items of IT, both at the premises and portable equipment. Core elements of the package includes legal liabilities, such as, compulsory employers liability insurance as well as public liability for indemnity against claims from clients or members of the public for injury or damage to property, business interruption, money, good in transit, glass and signage, personal accident and legal expenses. Separate policies are available, for example, Professional Indemnity, Medical Malpractice, Directors’ and Officers’ Liability.
Medical Malpractice Insurance
Although specific wordings may differ between insurers, Medical Malpractice Insurance commonly includes the following sections of cover: – Liability for Bodily Injury or Illness – covers your legal liability to pay damages and the claimants’ costs and expenses in relation to claims for bodily injury that arise in the UK, including your related defence costs. You will need to select a limit of indemnity to suit your requirements; we normally suggest a minimum of £1,000,000 limit. There are usually sub-sections of cover, possibly with inner limits which may be lower than the core Medical Malpractice Liability Section: – Professional Indemnity and Breach of Professional Confidentiality – Loss of Documents and Breach of Data (excluding Cyber risks) – Loss of Reputation – Liable and Slander