Select a policy to suit your needs
STUDENT
(GETTING STARTED)- For Students Under Supervision
- $20 Million Public Liability
- $20 Million Professional Indemnity
- Unlimited Retroactive Cover
- Run-off Cover
PRACTITIONER (NEW)
(MOST POPULAR)- For Qualified Practitioners
- $20 Million Public Liability
- $2 Million Professional Indemnity
- Unlimited Retroactive Cover
- Run-off Cover
PROFESSIONAL
(BEST VALUE)- For Professionals and Trainers
- $20 Million Public Liability
- $20 Million Professional Indemnity
- Unlimited Retroactive Cover
- Run-off Cover
* Premiums shown above are based on ACT stamp duty and may vary slightly based on the state you reside in.
Professional Indemnity Insurance protects you against a loss that may result from a negligent act, error, omission or malpractice that arises out of your professional capacity as a Complementary Therapist.
Public Liability Insurance provides cover for bodily injury or property damage to a third party that occurs while conducting your professional activities.
Product Liability is included in your policy if the products correlate to your modality. If you have any specific questions please contact BMS on 1800 290 981.
Unlimited Retroactive Cover is cover for your past practices if you have had continuous Professional Indemnity cover. Otherwise, if you have had a break in your insurance, your cover starts on the day you commence a policy with BMS Group.
Run-Off Cover is if during the period of insurance you permanently retire or permanently cease practice of your professional services, your policy will provide ‘Run-Off Cover’ for an unlimited period of time. This benefit can be activated for no additional premium, but only applies if you are permanently ceasing practice. If you are ceasing your practice for the short term due to COVID-19, we would recommend you continue to maintain your current cover to ensure you remain protected.
Welcome to the International Institute for Complementary Therapists Member Insurance Program!
We provide insurance and membership for over 1,100+ approved natural therapies including Massage, Reiki, Yoga, Pilates, Hypnotherapy, Psychic Therapies, Art Therapies, Doulas, Meditation, Counselling, Bowen Therapy, Energy Healing, Reflexology, Health Coaching, Crystal Healing, EFT, Aromatherapy, Time Line Therapy, NLP, Life Coaching, Kinesiology and a wide range of beauty therapies.
To browse our comprehensive modalities list please click here.
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Your IICT membership is more valuable than ever before.
As an IICT member, you now have access to Combined Medical Malpractice Professional Indemnity and Public Liability insurance, along with your annual membership. This insurance will provide:
- $20 Million in cover for Professional Indemnity per member
- $20 Million in cover for Public & Products Liability per member
- Unlimited Retroactive cover
- Run-off cover
Contact BMS today for more information on 1800 290 981 or iict@bmsgroup.com
We have partnered with BMS Risk Solutions Pty Ltd (BMS) to bring members exclusive access, not only to comprehensive and cost-effective coverage. You also have access to increased resources to reduce practice risk, exceptional service for all insurance-related enquiries and the ability to purchase additional insurance products, if needed.
The International Institute for Complementary Therapists Combined Medical Malpractice Professional Indemnity and Public Liability Policy has been tailored with direct input from industry professionals, to meet the unique practice risks of IICT members.
What happens if I already have coverage in place?
If you currently have a Professional Indemnity policy, please provide the date your insurance is due in your Membership renewal application. When you receive your insurance policy expiry notice, you can join the IICT Insurance Program via the IICT Website Member Login. Your insurance and membership will then be combined in one simple payment.
Here you will find a wide range of information about the IICT Member Insurance Program and have the ability to purchase additional insurance products, including Clinic Package, Cyber Security & Privacy Liability and Personal Accident.
Medical Malpractice Professional Indemnity Insurance
Regular interaction with people is a guaranteed part of any Complementary Therapists practice and is a daily occurrence. You may face situations where your clients look to hold you responsible for injuries they deem to have received as a result of your professional services.
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Medical Malpractice Professional Indemnity Insurance (PI) protects you against liability or allegations of liability for financial injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a Complementary Therapist. PI protects Complementary Therapists by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your PI also covers the cost of patient compensation or damages.
Your Medical Malpractice Professional Indemnity Insurance also provides you with the following additional coverage:
Intellectual Property
We’ve all had that moment; where you think of a brilliant business idea only to find someone has already beaten you to it. What happens if you implement a new idea in your business, only to find out that you have unintentionally copied someone else’s idea? Your IICT Insurance policy protects you against any alleged or actual (and unintentional) infringement of a copyright, trademark, registered design or patent.
Criminal Proceedings Costs
Coverage provides reimbursement to an insured member for defence costs if any criminal proceedings are brought against them in relation to the performance of their professional services rendered in Australia; provided the member is acquitted or found ‘not guilty’ of the criminal charge.
Public Relations Expenses
Reputation can mean the success or failure of a business. As an IICT Member participating in the Insurance Program, you have access to cover for costs involved with engaging a Public Relations Consultant, to work with you to maintain your public image where an allegation is made regarding the quality of your professional services which may lead to a claim.
Advance Claim Protection
Coverage is provided for an insured member to engage preliminary legal services and advice prior to an incident being formally accepted as a claim under the policy.
Are you a practice owner?
A Pilates Instructor employed by you runs a Reformer Pilates class. A participant in the class claims that inadequate supervision of class participants led to them sustaining a back injury.
The patient takes action out against the employee who ran the class, you (the Individual) as the owner of the studio who provided the treatment, and your Pilates Studio (business entity) for not having adequate processes in place to ensure adequate supervision.
Your IICT Insurance Policy responds to your legal costs to defend your liability, and if entity coverage is taken, your IICT policy will also respond to cover the legal defence costs in respect of your business entity.
It is important to note that you IICT policy will not respond to any costs associated with the action against professional employees, they will need to maintain individual Professional Indemnity coverage.
Please contact BMS 1800 290 981 or email iict@bmsgroup.com to learn more about entity coverage and to apply for cover today.
Medical Malpractice Public Liability Insurance
Medical Malpractice Public Liability Insurance covers you for actual or alleged negligence caused by you or your employees which results in bodily injury or property damage to a third party. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.
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Products Liability Insurance covers you for actual or alleged bodily injury or property damage to a third party arising through use of a product sold, supplied, or manufactured by you. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.
Medical Malpractice Public Liability Claim Example:
A Pilates Instructor runs small group Pilates classes out of their studio. In an earlier class a client spilled some water on the floor from their water bottle and did not bring it to the Instructor’s attention. As the next group prepare for the class in the room, an elderly participant slips on the wet floor, causing the patient to fracture their hip. Action is taken by the patient against the Pilates instructor and it is found through investigation that the Pilates Instructor was negligent as they should have checked the room for any hazards prior to the next class starting. They are found liable for the damages and their Medical Malpractice Public Liability policy responds to pay.
Products Liability Claim Example:
A Complementary Therapist sells essential oils to their clients. The essential oils are made by the Complementary Therapist. Due to the sale of undiluted essential oils, they receive a complaint from a patient about burns to their arms and neck. Action is taken out against the Complementary Therapist for the supply of a dangerous product, and their Products Liability policy responds to defend them and pay any settlement.
Clinic Package Insurance
Do you own or operate a Complementary Therapy Business practice?
Do you have a business lease obligation to insure for glass breakage?
Do you have expensive equipment or stock that you store in your practice?
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| Section | Covers |
|---|---|
| Property Damage | Covers buildings, business property, stock and machinery for fire, storm damage and other perils. |
| Theft | Covers theft of business property and stock in trade. |
| Glass | Covers all glass types for the replacement value and signage. |
| Money | Covers loss of or damage to money stored on or off site, as well as money in transit. |
| Equipment Breakdown | Machinery Breakdown covers the mechanical breakdown of machinery (i.e. air conditioning units, refrigeration units, etc.). Electronic Equipment Breakdown covers the costs associated with an electronic breakdown of computers and peripheral office equipment (i.e. a power surge or fusion). |
| Business Interruption | Cover for loss of income in the event your business operations are hindered following an insured Material Damage peril. Also includes benefits for Additional Increased Costs of Working which provides cover for additional costs to maintain normal operation of your business (including leasing alternative premises, advertising costs, and equipment leasing and additional staff). |
Apply for Coverage
Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Clinic Package Insurance.
Cyber Security & Privacy Liability Coverage
If you’ve got data, you’ve got risk. Cyber security is one of the fastest growing areas of risk, and the Complementary Therapy Health sector is not immune. Cyber Liability coverage responds to various losses resulting from but not limited to, stolen credentials, malware, phishing and social engineering and insider threats.
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- Third party claims against you;
- Business interruption and costs to restore your data;
- Notify of the breach.
We provide the option to purchase comprehensive Cyber Security & Privacy Liability Insurance with limits of up to $1,000,000 for Complementary Therapy Practice and their clinics, with premiums starting at $300.00 (excluding charges).
Cyber Security & Privacy Liability Claim Example
A Pilates Instructor Studio’s network was infected with a virus that was received via a phishing email which was opened by an employee by mistake; this allowed the hacker to gain access to the clinic’s website.
The Studio’s Cyber Liability Insurance responds to cover forensic IT costs to determine the extent of the breach and loss to data, Forensic accounting to determine any interruption to operations and loss of income, costs to remove the virus and to reinstate the insured’s data and systems. The total expenses incurred were $17,000.
Apply for Coverage
Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Cyber Liability Insurance.
Personal Accident
For many of us, suffering a serious injury or illness whilst at work can put you under severe financial strain. BMS are able to provide comprehensive Personal Accident coverage for individuals who:
- Work as contractors
- Are sole traders or business owners
- Are looking for additional security to their employer’s workers compensation policy
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| Option 1 | Option 2 | Option 3 | |
|---|---|---|---|
| Death & Capital Benefits (lump sum benefit) | $100,000 | $200,000 | $300,000 |
| Weekly Accident & Sickness | 85% of weekly salary up to $1,000 | 85% of weekly salary up to $2,000 | 85% of weekly salary up to $3,000 |
| Benefit Period | up to 104 weeks | up to 104 weeks | up to 104 weeks |
| Excess Period | 7 Days | 7 Days | 7 Days |
| Premiums from | $600 + charges | $960 + charges | $1,440 + charges |
Best Doctors Advice Service
BMS has partnered with Accident and Health Insurance who provide access to medical advisory firm Best Doctors at no additional cost. Best Doctors provide policyholders with access to a global network of 50,000 medical specialists who can work closely with individuals to provide diagnosis, second opinions and treatment options to assist a policyholder facing any injury, illness or medical condition (whether covered by this insurance policy or not).
This service is entirely confidential, is not reported to insurers and extends to the policyholder’s children, partner, parents and in-laws.
This service can assist with many areas of medical advice, including:
- If you receive a diagnosis but want to be 100% sure it is correct
- If you need advice on what treatment plan to follow
- If you are looking for the best local specialist for an in-person consultation
- If you have a medical question but want to ask a professional, not surf the web
- If you are confused about a medical condition and need access to thorough and reliable information
- In addition to specialist advice, policyholders will also receive access to an online portal to obtain everyday medical advice.
Apply for Coverage
Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Personal Accident Insurance.
Personal Accident Application (.pdf)
For additional information, FAQs and case studies, please click here:
Management Liability
Management Liability is a package policy which covers actions and conduct of the insured company and its Directors and Officers for day to day operating of the business.
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- Stakeholder Actions
- Fraud
- Unfair Dismissal
- Investigations
- Complex Taxes
- Regulatory Actions
| Coverage Section | Description |
|---|---|
| Directors & Officers Liability | Cover for wrongful or negligent acts by Directors and Officers of the company in execution of their duties. |
| Corporate (Entity) Liability | Cover to the business entity for wrongful or negligent acts committed in the operation of the business |
| Employment Practices Liability | Cover to Directors, Officers and Managers of the insured company for claims made against them by employees. |
| Statutory Liability | Protection against statutory breaches, most commonly Work Health & Safety prosecutions, fines and penalties. |
| Crime | Covers the insured company for internal or external misappropriation or fraud of money or property through fraudulent means. |
With coverage limit options up to $5,000,000, you can ensure your business and its directors are protected.
Apply for Coverage
Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Management Liability Insurance.
In the Event of a Claim
Prompt claims’ reporting is critical to the process of bringing claims to a successful resolution.
Members aware of any actual or potential claim must report it immediately. If a member receives a formal notice or statement of claim, the notice must be reported in writing to the insurer immediately.
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Members Should
- Immediately report any potential claim to BMS Group via phone or email
- Formally document the incident, including details of those involved
- Submit any formal statement of claim to BMS Group
- Report any regulatory investigations or notice of complaint immediately
Members Should Not
- Speak with any third parties about the claim
- Assume any legal fees before reporting a claim
- Offer compensation to independently settle a claim
- Amend or change any previous medical records once a statement of claim has been received
Members who are aware of a potential claim should contact BMS on 1800 290 981 (Aus) / 0800 999 267 (NZ) or email iict@bmsgroup.com
Legal Services
We use a Leading Allied Health law firm offering summary pro bono legal advice to all IICT members. To ensure members are provided with superior legal defence in the event of a claim or complaint.
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- Privacy and confidentiality;
- Conflicts of interest;
- How to respond to requests for information from third parties;
- Inquires from your regulatory body;
- How to respond to a subpoena;
- Professional misconduct;
- Ethical obligations; and
- Professional obligations.
If you have received a formal complaint or been served with a legal claim, please contact BMS Group directly. Depending on your situation, BMS will arrange for a senior Lawyer to contact you.
The lawyer who you speak with will provide you with free, confidential legal advice in order to try and avoid or reduce the probability of a claim or complaint. The lawyer may consider it appropriate to review the issues and jurisprudence, and then call you back. The advice given will rely upon the accuracy and completeness of the information you provide.
If the event has triggered a claim the leading Allied Health law firm will be appointed as legal counsel to work on your behalf. In the event you do not wish to use the recommended law firm or if the case has a conflict you will be able to retain alternative legal counsel.
Risk Resources
An important element of the insurance program is to promote the best practice and risk management resources to reduce Indemnity risk to you as a Complementary Therapy Practitioner.
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FAQ's
Who is BMS Group
Why has the International Institute for Complementary Therapists chosen BMS Group as their Insurance Partner?
I already have a policy can I apply outside of my membership renewal?
What do I do if I have an open claim with my previous insurer?
What is Medical Malpractice Professional Indemnity Insurance?
What is Public Liability Insurance?
What is Products Liability?
What are the major benefits of the International Institute for Complementary Therapists Member Insurance Policy?
- 20,000,000 Limit of indemnity per claim for Medical Malpractice Professional Indemnity and Public Liability, and an annual limit of $60,000,000.
- Access to free legal counsel with a leading Allied Health law firm for each enquiry, in the event a complaint is made against you.
- Cover is provided worldwide (excluding only the USA).
- Unlimited retroactive cover for past activities.
- Unlimited run-off cover when you have a leave of absence or retire.
- Cover when working as a subcontractor or agent.
- Cover whilst temporarily travelling overseas.
Can I opt out if I don’t want the insurance in my membership?
Who do I call if I have any insurance-related questions or to discuss my insurance policy?
Am I covered if I provide services to family members?
What happens if I have a leave of absence during the year?
Does this policy cover me when I retire?
Will this policy cover my past activities?
Yes. The IICT PI Insurance Policy provides unlimited retroactive cover provided that there are no known and unreported circumstances that may lead to a claim.
Should I consider this cover if I work in the Public Health Sector?
Yes. As a Public Health Sector worker, without your own insurance policy you are relying on your employer’s Insurance, which may be geared more towards protecting your employer. Further, Public Hospitals or Health Centres typically carry policy excesses upwards of $250,000; which means that, in the event of a claim against you, they may decline to cover you. Your employer’s policy may not cover you for:
- Your services with previous employers.
- Your private practice work.
- Your past services rendered.
- Your services provided as a contractor, sub-contractor or consultant.
- If you are sued by your employer.
- Legal support for regulatory inquiries, disciplinary hearings and coronial enquiries.
IICT members who participate in the Insurance Program also have peace of mind that they have an individual $20,000,000 limit covering their interests as well as access to 30 minutes of free legal assistance with a senior lawyer for each potentially claimable issue that arises. Having your own individual policy ensures you are covered if you want to work while transitioning from one employer to the next.
What Legal Support is available to me as a member insured through the International Institute for Complementary Therapists?
All IICT members participating in the insurance program have access to free legal council with a leading Allied Health law firm offering Summary pro bono legal advice. To ensure all eligible members are provided with superior legal defence in the event of a claim or complaint. IICT members can take advantage of this complimentary service for practice related questions involving issues such as:
- Privacy and confidentiality;
- Conflicts of interest;
- How to respond to requests for information from third parties;
- Inquires from your regulatory body;
- How to respond to a subpoena;
- Professional misconduct;
- Ethical obligations; and
- Professional obligations
What do I do if I have a claim or complaint made against me?
Members should
- Immediately report any potential claim to BMS Group
- Formally document the incident, including details of those involved
- Submit any formal statement to BMS Group
- Report any regulatory investigations or notice of complaint immediately
- Gather any noted and supporting documentation
Members should not
- Speak with any third parties about the claim
- Assume any legal fees before reporting a claim
- Offer compensation to independently settle a claim
- Amend or change ant previous medical records once a statement of claim has been received
If you are aware of a potential claim should contact BMS Group directly at 1800 290 981 (Aus) / 0800 999 267 (NZ) or iict@bmsgroup.com.
What other insurance products can I purchase?
Clinic Package Clinic Package Insurance is designed for Allied Health & Medical businesses with assets not exceeding $5 million. It covers various general elements of business risk relating to property and interruption to operations; it is comprised of 2 main sections of cover being Material Damage and Business Interruption. Cyber Security & Privacy Liability Cyber Liability coverage responds to various losses resulting from but not limited to, stolen credentials, malware, phishing and social engineering and insider threats. Coverage is provided for loss suffered by your business, claims made by third parties affected and for your business interruption in the event of a breach. Personal Accident Personal Accident insurance is designed for companies (group cover) or individuals to provide coverage in the event of death or permanent/temporary disability due to injury or sickness. There are a range of benefits that the coverage extends to provide, including but not limited to rehabilitation, corrective surgery, medical expenses and child support. Benefits are paid by either lump sum or weekly throughout the benefit period for prolonged sickness or injury. This coverage is particularly important where:
- You are a sole trader or business owner and not covered by a workers compensation policy,
- You are a contractor, sub-contractor or locum and not covered by a workers compensation policy,
- You work in a high-risk industry or are off site often, or
- You do not have the financial means to support yourself in the event of a serious injury or prolonged illness.
Journey Cover Journey Insurance provides cover in the event that you are injured on your commute to and from work. This is a typical exclusion to many workers compensation policies, which would leave majority of employees uninsured and left to mange expenses should they be unable to work for an extended period of time. Corporate Travel Insurance Corporate Travel Insurance is an annual policy covering all staff and directors of a company for business travel. Cover will also respond to leisure trips taken by directors and business owners as well as associated leisure travel for employees of the business. Cover also extends to any employees spouse and dependent children.
How do I add my business name onto the Policy and what coverage will be provided?
How do I purchase additional insurance products?
Meet the Team
Shelley Yiasoumi
Assistant Account Executive
Shelley Yiasoumi is actively involved in the BMS service team and brings with her skills and knowledge from her previous role with a healthcare insurance provider. Having been in the Healthcare Insurance industry for a number of years, Shelley brings a bright personality and strong technical skills to ensure all members have a positive experience when contacting BMS.
Paige Frigo
Assistant Account Executive
Paige brings the customer service team a broad experience across different types of insurance, from travel, corporate enterprise and professional indemnity. In her role as assistant account executive, Paige brings a passion and enthusiasm for insurance, balanced with great customer service skills to deliver an informed, warm and friendly service experience.
Robert Villano
Principle Broker
Robert Villano is the Principal Broker of the Australian Affinity office. Rob has more than 15 years of industry experience, with majority of that time spent working closely with small business owners, associations and their members. His passion to provide a truly member centric service and develop sustainable tailored programs has seen him focus his insurance career within the Affinity and SME sector.
John Cotterill
Account Manager
John is an additional Account Manager to answer member enquiries. John originally studied Psychology but found his technical and analytical skills were better applied to the insurance industry. With more than 8 years experience in the industry and inquisitive nature, John is constantly finding ways to improve customer experience and add real value to Associations.
Shamus Breen
Managing Director
Shamus is the Managing Director of the Australian Affinity office. Shamus has more than 20 years of industry experience, having served senior roles at two of the major international brokers in the affinity and healthcare sectors. His passion for creating meaningful member value for associations and its members has seen him focus on this industry throughout his career as an insurance broker.
Kristen Vassallo
Senior Broker
Kristen is the Senior Broker of the Australian Affinity team, bringing to BMS over 12 years insurance experience working for both a major Broker and Insurer. As a broker, Kristen understands the importance of the customer experience, and always strives to ensure the best service is provided to her clients their members.
About BMS
BMS Group is the official and exclusive broker for the International Institute for Complementary Therapists member insurance program.
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Contact Us
Linda Barripp
I recently changed over to BMS Group for my business insurance. It couldn’t have been easier. What was noticeable, was they were quick to reply to my request and extremely competitive regarding pricing cover. What I also liked was the $20,000,000 professional, public and product liability for any one claim. Great service at a great price.
Kathryn Larkin
I found the service provided by the BMS Group staff to be very professional and helpful. From my first phone call, they were very prompt sending the information I was needing. They made the whole journey a pleasant experience. Thank you.
James Davis
I’ve dealt with a lot of insurers over the years, and the BMS Group were a cut above the rest. They made the whole process of getting insurance so stress-free that I’d recommend them to anyone.
Gillian Lee
Before I joined IICT, I found it a challenge to be accepted as being a reputable meditation business. Since joining IICT opportunities have really opened up, and I am enjoying the benefits of being supported by IICT. When arranging my insurance with IICT’s insurance partner, BMS Group, they were quick to respond and provide information, so I now have confidence in being 100% insured – which goes a long way when it comes to assurance for my students.
Gayle Barville
Recently I switched my business insurance to BMS Group. The transition was seamless, and nothing was too much trouble for the staff. I see great value in the extra benefits that BMS Group currently offers.
Annie Whitlocke
Fortunately, I have not needed to call on my IICT insurance. As a death doula, end of life advocate for hospitals, palliative care and our community I see people regarding end of life, the dying and the deceased, the loved ones and family. It is reassuring for me to know that I am covered should anything unexpected happens and it adds to my professional profile that I am insured with a reputable firm. Being accepted for insurance was straight forward, quick and very satisfactory.
Judy Browne
I have recently changed my business and indemnity insurance over to BMS Group. I found it very easy to make the change and the staff were extremely helpful. I’m saving money and I have a much better deal now; so a win-win situation. Thank you Lawrence Ellyard for keeping us updated! I have been a member of IICT for a long time and have always felt supported.
Emma Mertens
I was very happy with the service that BMS group provided. It was an easy, no-fuss way for me to secure the appropriate insurance for the start of my Reiki business.
Mind Semantics
I highly recommend IICT to any practitioner who is looking for the best professional insurance and membership for their complementary therapy practice and encompasses an extensive list of modalities so you do not need to have multiple policies. The support was great and they clarified all my questions and processed my application rapidly. This enabled me to get reasonably priced insurance for my business. Being a member and having a listing is great to network with like-minded people and to generate a successful client base. Thank you IICT.
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