Professional Indemnity Insurance by Ergo
Professional Indemnity Insurance by Ergo
This is not a generic professional indemnity policy. It is designed specifically for health and wellness coaching practice, covering:
• Behavioural health coaching and wellness planning
• Lifestyle and habit modification guidance
• Stress management and resilience coaching
• Non-clinical health education
Who can buy this policy
This PI insurance is available ONLY to Full Members of SBHS who:
• Practise within SBHS clearly defined health and wellness coaching scope
• Registered in SBHS Health and Wellness Coach Registry
• Meet SBHS professional and ethical requirements
Please ensure that YOU ARE a SBHS Registered Health and Wellness Coach. Refund will not be in full if you are not eligible upon purchase to cover the necessary admin fees.
Coverage
• Up to SDG500,000 per claim with SGD 5,000 deductibles per claim.
• Defence costs, public relations consulting expenses and selected professional risks (e.g. confidentiality, defamation)
Exclusions
• Asbestos & pollution
• Bodily injury (except from professional services)
• Employer’s liability
• Fraud/dishonesty, prior claims, products liability,
• Property damage, war & terrorism
• Cyber liability
• Abuse/molestation
• Communicable disease
• Management liability
• Any financial/investment advice
• Medical malpractice
• Any legal advice
No-claim Benefit
No-claim discount is available after the first year
Coverage / Clauses Ecclusions
Civil Liability Professional Indemnity Policy including cover for
Breach of Confidentiality
Contractual Liability
Defamation
Intellectual Property
Joint Venture
Loss of Third Party Documents
Trade Practice
Advancement of Defence Costs - Included
Continuous Cover - Included
Court Attendance Costs – Included
Defence Costs in an Emergency – Included
Document Recovery Costs – Included
Extended Reporting Period – Included
Fraud & Dishonesty - Not Applicable
Legal Representation Expenses – Included
Liability of spouses, heirs and representatives – Included
Newly created or acquired subsidiaries - Not Applicable
Policy to be primary if coverage is for a project - Not Applicable
Public Relations Consultant Expenses – Included
Vicarious Liability – Included
Costs incurred in mitigation - Not Included
Automatic Reinstatement - Not Included