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Special Rate from Balens - Combined Liability Insurance

By Helen Isacke|10.06.2020

TCD is pleased to be working alongside Balens to provide a bespoke insurance scheme for our members. Balens are a well-established, fourth generation family business who specialise in providing insurance cover for Health & Wellbeing practitioners and organisations. Balens have always regarded claims support, quality cover and personal service as their main strengths.

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Insurance cover for members of the Trusted Coach Directory

What does the policy cover?

The policy will cover Professional, Public & Products Liability:

  • The policy provides a limit of liability of £6,000,000. This limit is per section and applies to any one claim, for an unlimited number of claims in the policy year for professional liability and public liability. This limit is in the aggregate for claims relating to products liability. Legal Defence costs are covered in addition to the limit of liability and are unlimited.
  • The policy is on a claims occurring basis with a difference. The policy will cover claims that occurred during the policy period irrespective of when the claim is made, meaning that you are protected for claims that may arise later down the line providing the work was carried out during the period of insurance.  We include an upgrade of cover feature on the Zurich Policy that protects you against the effects of inflation, and rising court awards. This cover is a pioneering hybrid offering the advantages of a claims occurring policy with features normally only found on a claims made policy, but with none of the disadvantages, particularly around the issue of discontinuing cover and possibly being uninsured later on if a claim is discovered. This is a major improvement on what is often available through other insurers. Further information about this is available on our website
  • The policy will cover you to practice in the UK, cover is also included for temporary trips abroad (please note exclusions apply).

The policy also includes a Legal Protection policy:

  • Cover for legal defence costs against criminal allegations.
  • Pre-disciplinary and Disciplinary Hearings cover.
  • Jury service and court attendance cover.
  • Tax protection cover relating to a tax enquiry, an employer compliance dispute and/or VAT dispute.
  • Unlimited access to legal and tax helplines.
  • Counselling service.
  • The policy provides a limit of liability of £100,000 per claim.


  • TCD Listed Coach/Supervisor premiums are £59.00 (inclusive of insurance premium tax and fees) for a limit of liability of £6,000,000
  • TCD Community Coach member premiums are £75.00 (inclusive of insurance premium tax and fees) for a limit of liability of £6,000,000

For further information on the policy cover please view our Key Points document and policy wordings: Balens Affinity Scheme

How do I take out the policy?

Contact Balens for a quote. Balens will be happy to send you a copy of the Declaration Form for you to complete and return by email or post.

Contact Balens Ltd:  01684 580771 or

If you have any questions or if you would like to discuss the cover available please do not hesitate to contact Balens.

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