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Therapy Insurance comparison
| RSA | Aviva |
|---|---|
| £6m Public Liability | £5m Public Liability (£6m for AoR) |
| £1m errors and omissions | £5m errors and omissions where treatment cover is in place |
| £25,000 PR Crisis Management | Not covered |
| Personal accident cover: Age limit set at 80 | Personal accident cover: Age limit 16-75 |
| Money insurance not covered | Loss of money up to £1,000 |
| Not included | Property in Transit £1,000 (business equipment is based on all risks cover) |
| Policy liability excess nil | Policy liability excess £250 |
| Business equipment excess £100 | Business equipment excess £50 |
| Treatment risk and errors and omissions included on all therapies | Treatment risk and errors and omissions included on selected therapies. Please check this carefully. |
| No business helpline or business advice. | Full access to Aviva Business Law facility online, including helpline. |
| Temporary cover abroad - 6 months | Temporary cover abroad (EU only) - 90 days |
| Teaching - additional premium / rating category applied | If treatment cover is provided for the therapy you are teaching, cover for teaching is automatically included in the policy wording at no additional cost. Where treatment cover is not provided for that therapy, teaching cover is not available. |
| Cover abroad for UK armed forces servicemen and spouse: included as covered whilst stationed in what is designated UK territory. | Cover abroad for UK armed forces servicemen and spouse: included as covered whilst stationed in what is designated UK territory on UK bases abroad. |