- Beauty Therapy
- Holistic Insurance
As a leading insurance company, we are delighted to provide you with details of our Group Insurance offering for the members of the IRIL. BMIB Ltd t/as Brian Mullins Insurance Brokers are an independent Insurance Brokers authorised by the Central Bank and we specialise in providing group insurance facilities for representative bodies and professional associations
Cover is inclusive of retroactive cover, Libel & Slander, Jury Service representation and Legal defence Costs in respect of claims made under the policy with no policy excess.
The total amount due for 12 months cover under our Group Policies is €110.00. This amount includes the 5% government levy and €10.00 brokerage fee.
In order to apply for this policy, you must be a current IRIL member. You must hold the approved qualification to carry out the treatments you request cover for. If you are a Student member, please contact our office for a quote. Student policies cannot be processed through the website.
On the discovery of any event which may give rise to a claim the Insured shall give immediate notice in writing to the Insureds Agent of any loss occurring pursuant to Insuring Clauses; Malpractice, Professional Liability, Public Liability and Products Liability. The Insured shall not disclose to any person the terms of this Policy. Furthermore, no liability shall be admitted, no arrangement, offer, promise or payment, cost or expense shall be made by the Insured without the written consent of the Insurers. Insurers shall be entitled to take control of the defence of any claim or to prosecute in the name of the Insured for their own benefit any claim for indemnity or damage or otherwise against any third party and shall have full discretion in the conduct of any negotiations or proceedings on the settlement of any claim; the Insurers will not settle any claims without the consent of the Insured. However, if the Insured refuses to consent to any settlement recommended by the Insurers or their legal representatives and elects to contest or continue any legal proceedings then the liability of the Insurers shall not exceed the amount for which the claim could have been so settled plus the costs and expenses incurred with their consent up to the date of such refusal, and the Insured agrees to indemnify Insurers for the amount of any judgement, award, settlement, costs and expenses which Insurers are found obligated to pay after the date of such refusal. The insured shall carry out and permit to be carried out any action which may be reasonably practicable to avoid or diminish the loss destruction or damage and to prevent further loss destruction or damage.
Insurers may cancel this Insurance by giving fifteen (15) calendar days’ notice, such notice shall be given in writing and may be served by registered mail, telex or facsimile transmission, or be hand delivered to the address of the Insured as stated in the Certificate. Any notice sent by registered mail shall be deemed to have been served seven (7) calendar days after dispatch and any notice sent by telex or facsimile shall be deemed to have been served at the time of dispatch. If this Insurance is so cancelled the Insurers shall retain only the earned portion of the premium computed from day to day.
The insured has a right to cancel within a short period, up to 30 days from inception, known as the cooling off period. If the insured cancels within the 30-day cooling off period they may receive a pro-rata refund of premium from the insurer. If the insured wishes to cancel outside this period they will not receive any pro rata refund.
To apply for cover click the below link;
Once completed, you can then proceed to our check-out and purchase your policy on-line and receive your policy documents electronically. Please note if the IRIL do not issue you with a membership number, please insert 999 on the application form and this will allow to proceed with your application.