Benefits and Insurance Key Facts

The Benefits of Foyht Membership and Insurance with BGi.uk

1.  Free use of the directory: foyht.co.uk
2. Free access to the On-line Health & Wellbeing magazine: hwb.focusonuk.co.uk
3. You can submit your own articles to The On-line Magazine
4. Free use of the ‘What’s-On’ Events calendar: foyht.co.uk/whatson
5. Additional Legal Expenses and Legal Help Line (UK & Ireland only)
6. Data Protection tool alerting you to attempts to access your data
7. Registered e-mail capability for those emails that you need to track and trace
8. Insurance designed with you in mind

Insurance Key Facts

Your insurance includes:

• Public Liability (Indemnity Limit £5,000,000 per insured person or business:
  £10,000,000 available on request)
• Malpractice Cover & Professional Indemnity (Indemnity Limit £5,000,000:
  £10,000,000 available on request)
• Products Liability (for items sold in connection with your insured business)
• Working from home, at a client’s home, or at any owned, rented or hired
  premises anywhere in the world excluding the USA/Canada
• Damage to rented/hired third party premises
• Accidental loss or damage to your business stock and equipment
• Overall Limit £5,000: Single item limit £1,000: excluding mobile phones
• Libel & Slander
• Breach of confidentiality, negligence or breach of duty of care
• Website and e-mail infringement arising from the promotion, marketing and
  advertising of your insured business
• Additional Legal Expenses (Currently only available in the UK & Ireland)
• Geographical coverage: World Wide
• Jurisdiction: World Wide excluding the USA & Canada (Cover may be available
  on request)
•  Indemnity to principals
• Member to member liability Included
• Retro-active date 2006 or since the date you have held Medical Malpractice/
  Liability insurance without break or interruption
• 12 months run off cover to allow for periods when you might not be working
• On-line teaching and pre-recorded teaching is included. However, you should
  also consider additional media insurance, which is beyond the scope of this
  insurance
• Loss of Reputation extension
• Emergency First Aid and Good Samaritan Acts included

Important conditions

• All premiums to be paid by PayPal, credit/debit card or Bacs/Bank Transfer
  a. In GB pounds for UK policies
  b. In Euros for EU policies
• The Insurance is provided on a 12 month basis. No premium returns are
  made unless canceled within the 14 day cooling off period
•  Employer’s Liability cover is not included but can be added
•  An excess of £250.00 applies to the business stock & equipment extension

Available levels of indemnity

We believe that teachers and students alike should be adequately protected so
we provide all of our policy holders with an indemnity of £5,000,000 which is the
amount required by most Councils, the NHS and other similar authorities and
institutions. A higher limit of £10,000,000 is available at an additional cost upon
request.

Special features

The Foyht policy wording is exceptionally wide and will be adequate for most
individuals and micro enterprises. If your business has developed beyond “you” it
may be beneficial to consider your requirements on a Business Combined basis
to include other Commercial Insurance Risks.

Please call for information and advice: Tel: 01367 246130 e: info@BGi.uk.com

Unlike most policies, your Foyht policy is operative World Wide other than the
USA/Canada so feel free to practice your therapy(s) around the world in the
knowledge that you are fully insured.

Currently, the policy is only available to those resident or working full time in
a. The UK: b. The EEA: c. South Africa

For a full list of therapies we insure, please see BGi.uk.com/health-and-wellbeing/
therapies-covered

If you practice or teach something not on this page – please let us know and we
will add it – if we possibly can.

Offering more when more is needed

It is undeniable that life for us all has changed since March 2020. Someone has
pressed a great big ‘reset’ button on the way we work, rest and play. Life has
changed and we must change – if we can. Well, of course we can! We can breathe
deeper and think clearer. What was rushed and important is no longer so. That is
not necessarily a bad thing.

There are new problems, new issues, new challenges. Our ambition is to help you
meet and overcome all of those things without having to spend huge amounts
of time and energy on fretting about them.

The world, which was moving rapidly in a digital direction, has just taken an
electronic leap into the unknown: through necessity. Grasp and use the
technology – or sit back and watch.
The world of Webs and Dark Webs, of phishing and whaling, of GDPR regulations
and fines are a serious concern. To assist we have designed a package of benefits
that will help – often without additional cost.

Benefit 1
Data Breach Monitoring
As a small business, you will have a small database. (As a larger business you will
have a larger data-base – but it will be equally vulnerable)
We provide a data breach monitoring service. If anyone gains unauthorised
access to your database we will alert you immediately: enabling you to take any
remedial action appropriate to the circumstance.
This is an included/free service

Benefit 2
Registered Post and Online Signatures
Sometimes you need to send a registered letter. This facility enables you to send
a registered e-mail providing full traceability and evidence that the email has
been received/opened/read.
This is an included/free service
If you want, all e-mails can be sent registered – but then a small charge will apply.

Benefit 3
If you would like engage in a really useful and educational on-line course on
how to avoid being caught out by any number of scams we will provide a weekly
programme of easy to follow educational and interactive on-line sessions to
help develop your awareness of the schemes and scams that currently manifest
the digital highways . (The cost of this is just £30.00 per annum)

We believe that with membership benefits and the associated insurance we
are providing a comprehensive package at an affordable cost. But we would
welcome your comments as we are always striving to be the best we can be.