ABT Advanced Electrolysis Extension
___________________________________________________________________________

This policy is hereby extended to indemnify the policyholder for the provision of Advanced Electrolysis by way of ABT approved devices.

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that this treatment is included subject to:

• Pre and post treatment advice in accordance with manufacturer’s guidance (if applicable), consent and is suitably recorded by the policyholder.
• Doctors’ consent for any hair removal treatment from moles.
• Doctor’s consent for any mole removal treatment.
• Signed consent from a parent or guardian for treatment for client under the age of 16.
• The operator holding the necessary certificate of competence and only using the equipment that is designed for this purpose and which is regularly serviced and maintained.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

Nationally Recognised Level 2 or 3 Beauty Course (inc. Electrical or Epilation Unit) or

Approved Basic Electrolysis Course or

Relevant Industry Experience - determined on case by case basis by ABT

and

ABT Accredited - Advanced Electrolysis Course

ABT Advanced Skin Peeling Extension
___________________________________________________________________________

This policy is hereby extended to indemnify the policyholder for the provision of Advanced Skin Peeling by way of ABT approved products.

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that this treatment is included subject to:

• Pre and post treatment advice in accordance with manufacturer’s guidance (if applicable), consent and is suitably recorded by the policyholder.
• Treatment not performed on clients with who are takingphoto sensitive medications including Roaccutane and antibiotics.
• Treatment not performed on clients with medical conditions that cause thinning of the skin or loss of sensitivity.
• Treatment not performed on clients with open cuts and wounds, allergies to Aspirin or use of Retinoic Acid or Retin A products.
• Treatment not performed on clients who are pregnant.
• Treatment not performed on clients who are under the age of 16. Treatments must only be carried out by a trained therapist who holds a qualifying certificate. A patch test must be performed on the client at least 24 hours before the first treatment and at renewed every six months.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

Nationally Recognised Level 2 or 3 Beauty Course or

ABT Accredited Facial Qualification or

Relevant Industry Experience - determined on case by case basis by ABT

and

ABT Accredited - Advanced Skin Peel Course

ABT Cryopen Extension
___________________________________________________________________________

This policy is hereby extended to indemnify the policy holder for the provision of Cryopen by way of ABT approved products or devices.

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that these treatments are included subject to:

• Pre and post treatment advice in accordance with manufacturer’s guidance (if applicable), consent and is suitably recorded by the policyholder. The insured must hold a Level 2 Beauty qualification in general beauty therapy or be a qualified Doctor or Nurse and/or foot healthcare professional.
• Subject to the operator holding the necessary certificate of competency and only using the equipment that is designed for this purpose and which is regularly serviced and maintained.
• Manufacturer’s pre and post treatment procedures are adhered to.
• The policy excludes the treatment of clients with any contraindications as stipulated by the manufacturers.
• Cover excludes any claims relating to a change in the pigmentation of the skin as a result of the treatment.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

Nationally Recognised Level 2 Beauty Course and

ABT Accredited Cryopen Course

ABT Micropigmentation/Microblading and Semi-permanent Make Up Extension
___________________________________________________________________________

The policy is hereby extended to indemnify the policy holder for the provision of Micropigmentation/Semi-permanent Make Up by way of ABT approved products or devices.

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that these treatments are included subject to:

• Pre and post treatment advice in accordance with manufacturer’s guidance (if applicable), consent and is suitably recorded by the policyholder.
• Cover excludes clients with contraindications stipulated by the manufacturers.
• Cover excludes any claims relating to a change in the pigmentation of the skin as a result of the treatment.
• Pre and post treatment advice in accordance with manufacturer’s information is provided to the client and is suitably recorded.
• The operator only using the equipment that is designed for this purpose and which is regularly serviced and maintained.
• The policy will cover you to practice the techniques of your qualification: eyebrows, eyeliner, lip liner, lips, blusher etc.

Subject to all other terms and conditions of the policy.

Dermaplaning

Nationally Recognised Level 2 Beauty Course or

VTCT Level 4 in Micropigmentation or

ABT Accredited Facial Qualification or

Nationally Recognised Beauty Therapy level 2 alongside an ABT accredited Microblading qualification or

Relevant Industry Experience – determined on a case by case basis by ABT or

Medical Degree or similar

and

ABT Accredited – Dermaplaning Course

Microblading

ABT Prerequisites

ABT Accredited Microblading Course or

Relevant Industry Experience – determined on a case by case basis by ABT or

VTCT Microblading Course

SPMU / Micropigmentation

ABT Prerequisites

ABT Accredited Micropigmentation Course or

Relevant Industry Experience – determined on a case by case basis by ABT or

VTCT Microblading Course

ABT Ultra Sound, Ultrasonic Lipo-cavitation and Radio Frequency
___________________________________________________________________________

This policy is hereby extended to indemnify the policyholder for the provision of Ultra-Sound, Ultrasonic Lipo-cavitation and Radio Frequency therapy by way of ABT approved devices.

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that these treatments are included subject to:

• Pre and post treatment advice in accordance with manufacturer’s guidance (if applicable), consent and is suitably recorded by the policyholder.
• Cover excludes any clients with the contra indications stipulated by the manufacturer
• Pre and post treatment advice in accordance with manufacturer’s information is given to the client and recorded suitably that it has been given
• The operator holding the necessary certificate of competence and only using the equipment that is designed for this purpose and which is regularly serviced and maintained.

Subject to all other terms and conditions of the policy.

ABT Ultra Sound, Ultrasonic Lipo-cavitation and Radio Frequency - CAVITATION
___________________________________________________________________________

This policy is hereby extended to indemnify the policyholder for the provision of Ultra-Sound, Ultrasonic Lipo-cavitation and Radio Frequency therapy by way of ABT approved devices.

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that these treatments are included subject to:

• Pre and post treatment advice in accordance with manufacturer’s guidance (if applicable), consent and is suitably recorded by the policyholder.
• Cover excludes any clients with the contra indications stipulated by the manufacturer
• Pre and post treatment advice in accordance with manufacturer’s information is given to the client and recorded suitably that it has been given
• The operator holding the necessary certificate of competence and only using the equipment that is designed for this purpose and which is regularly serviced and maintained.
• The insured must hold a Level 3 Beauty therapy qualification including facial and body electrical units

Subject to all other terms and conditions of the policy.

ABT Prerequisites

Nationally Recognised Level 2 Beauty Course or

Relevant Industry Experience – determined on a case-by-case basis by ABT or

Accredited Equivalent Level 2

and

ABT Accredited HIFU Course

ABT Skin Needling/Derma-Rollering/Micro Needling extension - Mesotherapy
___________________________________________________________________________

This policy is hereby extended to include Skin Needling/Dema-Rollering/Micro Needling using ABT approved products.

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that these treatments are included subject to:

• Pre and post treatment advice in accordance with manufacturer’s guidance (if applicable), consent and is suitably recorded by the policyholder.
• A new unit is used for each new client and is allocated to that client only by a numbering system. Such units are to have been irradiated before delivery to the salon by the supplier or maker.
• After each use such items are to be sanitized according to the makers specifications and instructions.
• Needle lengths must not exceed 1.5mm stamp or roller for facial treatments and 3mm for body treatments.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

Nationally Recognised Level 3 Beauty Course or

Medical Degree or Similar

and

ABT Accredited Skin Needling Course

ABT Sunbeds Extension (Maximum 4)
___________________________________________________________________________

Endorsement - Sunbeds, Sunlamps and Tanning Booths.

• Cover shall not apply in respect of any claim or liability arising from exposure to ultra violet radiation resulting in
  • Malignant Melanoma or malignant non-melanoma skin cancers
  • Cataracts
  • Permanent aging of the skin

Condition - Sunbeds, Sunlamps and Tanning Booths

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that these treatments are included subject to

• Not allow anyone under 18 years of age to use the equipment.
• Keep a record of the treatment session undertaken by any client to include details of the date the session took place, their name & address, age and medical history.
• Not allow any person who may be pregnant to use the equipment.
• Not allow any person who has previously suffered from skin cancer to use the equipment.
• Not allow anyone with abnormal sensitivity to the sun either due to photosensitive skin diseases (sun allergies) or medication to use the equipment.
• Ascertain if anybody is taking any medication.
• Prohibit the use of tan accelerants.
• Ensure goggles are worn all times during the course of the treatment.
• Ensure manufacturers guidelines are followed for the use of the equipment.
• Regularly service and maintain the equipment.

ABT Prerequisites

Must hold a Level 3 Beauty General qualification

and

An accredited manufacturers training certificate

ABT Prerequisites

Must hold a Level 3 Beauty General qualification

and

An accredited manufacturers training certificate

ABT Trichology Extension
___________________________________________________________________________

This Policy is extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy, include Trichology as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that this treatment is included subject to:

• Pre and post treatment advice in given to the client and recorded in writing by the Insured.
• Signed written consent from the client and recorded by the Insured.
• The Insured operator must hold an accredited Trichology course or an OFQUAL regulated course such as level 5 Diploma in Clinical Trichology.
• The Insured operator holding the necessary certificate of competency.

Except as otherwise stated, all other terms, conditions, limitation and exclusions remain unchanged.

ABT Botulinium Toxin Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Botulinium Toxin by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Botulinium Toxin administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Botulinium Toxin being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Dermal Fillers - non permanent Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Dermal Fillers - non permanent by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Dermal Fillers - non permanent administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Dermal Fillers - non permanent being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Injectable skin boosters and sculpting Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Injectable skin boosters and sculpting by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Injectable skin boosters and sculpting administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Injectable skin boosters and sculpting being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Hyaluronidase/Hyalase Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Hyaluronidase/Hyalase by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Hyaluronidase/Hyalase administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Hyaluronidase/Hyalase being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Vitamin infusions and injections Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Vitamin infusions and injections by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Vitamin infusions and injections administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Vitamin infusions and injections being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Fat dissolving injections excluding Lemon Bottle Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Fat dissolving injections excluding Lemon Bottle by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Fat dissolving injections excluding Lemon Bottle administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Fat dissolving injections excluding Lemon Bottle being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT PRP - adminstering only. Manufacturing performed by prescriber Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include PRP - adminstering only. Manufacturing performed by prescriber by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any PRP - adminstering only. Manufacturing performed by prescriber administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The PRP - adminstering only. Manufacturing performed by prescriber being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Cryolipolysis / Cryotherapy chamber Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Cryolipolysis / Cryotherapy chamber by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Cryolipolysis / Cryotherapy chamber administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Cryolipolysis / Cryotherapy chamber being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT IPL / Non ablative laser Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include IPL / Non ablative laser by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any IPL / Non ablative laser administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The IPL / Non ablative laser being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Dissolveable thread lifts Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Dissolveable thread lifts by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Dissolveable thread lifts administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Dissolveable thread lifts being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT

ABT Local anaesthetics (prescribed by a medic) Extension
___________________________________________________________________________

This Policy is hereby extended such that the Underwriters shall, subject to the terms, conditions, limitations and exclusions of this Policy include Local anaesthetics (prescribed by a medic) by way of ABT approved devices, as an activity forming part of the approved treatments document for the Insured.

Additional Conditions

As a Condition Precedent to the right of the Insured to be indemnified under this Policy, it is hereby noted and agreed that any Local anaesthetics (prescribed by a medic) administered is included subject to:

• Photographs of patients being taken both before and after treatment. For regular patients receiving repeat routine treatments where the results are not immediate, post treatment photographs may be taken by the client and submitted to the Insured. The Insured shall retain these photographs for a minimum period of ten (10) years after the date of the treatment. If a client refuses to have photographs taken, the patient’s refusal must be obtained in writing from the client at the relevant time. The client must sign and date the written declaration of their refusal to allow photographs to be taken and this should be retained by the Insured for ten (10) years after the date of the treatment.
• Compliance with any relevant health, safety and environmental protection legislation including but not limited to carrying a CE or UKCA marking where appropriate.
• The treatment being non-permanent.
• Adherence to any specific instructions that are issued by the manufacturer.
• The Insured not altering or having knowledge that the product have been altered in any way.
• The Local anaesthetics (prescribed by a medic) being administered in the manufacturer’s recommended target body area.
• The Insured maintaining accurate and descriptive records including but not limited to batch numbers of any product, used in procedures which shall be available for inspection and use by Underwriters or the Underwriters’ duly appointed representatives.
• Treatments not being performed on clients who are under the age of 18.
• Treatments not being performed to any genitalia or buttock.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Run-Off Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business permanently ceases as result of retirement, permanent disability or death the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured (or their estate) shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• during the Period of Insurance, the Insured’s business permanently discontinues the treatments covered under this Policy, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance, provided that:
  • the Insured has been continuously insured with Howden for a period of not less than 12 months;
  • the Insured:
    • has not submitted any Claim to Underwriters or any prior insurers;
    • notified Underwriters or any prior insurers of any matter that could give rise to a Claim;
    • has not been the subject of an external investigation or disciplinary action.

The run-off cover provided in this extension (Run-Off Cover) to Section 1A shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Maternity Cover Extension To Section 1A Professional Liability Extensions and 3A Products Liability Extensions
___________________________________________________________________________

This Policy extends to indemnify the Insured if:

• during the Period of Insurance, the Insured’s business temporarily ceases as result of, maternity, the Policy shall, upon notification of such cessation, be automatically extended with a period of three (3) years of run-off cover from the date of cessation without any further payment of premium to Underwriters. During the period of run-off cover, the Insured shall be entitled to notify Underwriters of any Claim or other loss indemnified by this Policy, provided that the acts, errors or omissions giving rise to the Claim occurred prior to the cessation of the Insured’s business. Any such Claims or losses shall be deemed to have been made and reported during the Period of Insurance.
• In the event that the Insured re-commences trading during the abovementioned three year period from temporary cessation, the run off coverage shall terminate immediately and from the first date trading recommences. No coverage is afforded to the Insured for claims relating to activities performed during the period of run off and within the period of temporary cessation.

The maternity cover provided in this extension shall not:

• extend the Period of Insurance;
• change the scope of cover provided by this Policy; or
• increase or reinstate any Limit of Liability.

Except as otherwise stated, all other terms, conditions, limitations and exclusions remain unchanged.

ABT Prerequisites

OFQUAL Level 2 Beauty and OFQUAL Level 3 Beauty including Electrical

or

Ofqual / VTCT Pathway Couse - i.e. level 3 Pathway to Aesthetics

Ofqual / VTCT Pathway Couse - i.e. level 4 Pathway to Aesthetics

or

Nursing / Dentists, Dental Hygienist, Medical Degree, Pharmacy Degree

and

OfquaL Course in Aesthetics

and

Approved Private Course via ABT