

COVID-19 : BGi.uk clients have had more success at getting Business Interruption Claims settled than those insured with other insurers
Whilst the FCA Test Case is now complete, it is unlikely that judgement will be available until the middle of next month. That said, not all insurers were directly engaged with the test case and [...]

COVID-19 : The Unintentional but Inequitable Treatment of Grants when Treated as Revenue
In April, the Government took the (I think) brave step of providing many UK businesses with a grant to help them survive this COVID-19 year of 2020.

COVID-19 : Swim-School Business Interruption Claims – Aggregation
Whilst the FCA Test Case is now complete, it is unlikely that judgement will be available until the middle of next month. That said, not all insurers were directly engaged with the test case and [...]

COVID-19 : FCA Business Interruption High Court Update
The legal test case brought by the Financial Conduct Authority against various insurers started yesterday 20th July in the High Court.

COVID-19 : Going Back to Work?
We have not yet had any meaningful response from either insurers or loss adjusters on behalf of the insurers. However, that is not to say that things have not been happening in the high echelons [...]

COVID-19 : BGi.uk update – Business Interruption Claims
We have not yet had any meaningful response from either insurers or loss adjusters on behalf of the insurers. However, that is not to say that things have not been happening in the high echelons [...]

COVID-19 : BGi.uk Update
Since the designation of COVID-19 as a notifiable disease in England on 5 March, and the subsequent ratcheting of measures to slow the spread of the disease, business owners large and small have [...]

COVID-19 : Insurance against Business Interruption caused by alien invasion
As the spread of COVID-19 gathers pace, there is increasing concern over not just the potential public health impact, but the financial consequences anticipated by businesses within all sectors. [...]

COVID-19 and Business Interruption
As the spread of COVID-19 gathers pace, there is increasing concern over not just the potential public health impact, but the financial consequences anticipated by businesses within all [...]

COVID-19: where are we now?
A USA lead meeting between some 1,500 major/international players appears to reveal/affirm the following: 50% of Americans will contract the virus (150m people) as it’s very communicable. [...]

Travel Insurance Update: Coronavirus COVID-19
With the spread of the Coronavirus prompting many questions please find some guidance below for our Travel Insurance customers

Changing Cyber Threat Landscape 2020 – In Numbers
The world of cyber risk management is fluid and fast moving. We work hard to keep up so that our customers can too

A Guide to Cyber-risk Management
'Cyber risk' means any risk of financial loss, disruption or damage to the reputation of an organisation from some sort of failure of its information technology systems

Is Bankruptcy a Material Fact when Buying Insurance?
The short answer is 'Yes'! But too many people seem to trip up over this simple question: some purposefully (and we cannot change that) but some through ignorance or apathy.

How to spot a Phish
Phishing is the term given to the activity of tempting you (as one amongst thousands) to give up your personal information. This can include everything from your nick-name to your bank account [...]

3 Step Flood Plan For Commercial Policy Holders
It is quite noticeable that those businesses who have asked themselves the question “What do we do in the event of a flood?” survive the effects of a flood and mitigate the financial consequences [...]

Cyber criminals are smart. Our Cyber Cover is smarter.
Your insurer needs to process your data for various reasons that include calculating premiums, offering products tailored to your needs and paying your claims.

Entity Cover: Can Some Body Help Me?
What is Entity Cover and how can underwriters define the extent of cover to provide something competitive and meaningful.

GDPR – What are your rights as a consumer?
Your insurer needs to process your data for various reasons that include calculating premiums, offering products tailored to your needs and paying your claims.

Read this if you arrange inclusive trips, retreats, breaks, events, etc.
The annual Allianz Risk Barometer identifies top corporate perils based on the insight of more than 1,900 risk experts from 80 countries.

GDPR for Health and Wellbeing Practitioners
BGi.uk is frequently asked by our clients how they should react to and deal with the new GDPR regulations. I hope this will assist. First of all, the General Data Protection Regulations are [...]

Allianz Risk Barometer 2018
The annual Allianz Risk Barometer identifies top corporate perils based on the insight of more than 1,900 risk experts from 80 countries. Here we look at the risks ranked most important by those [...]

Cyber Research Report 2018
The following article, written by Michele Bacchus, should be of interest to everybody in the insurance industry; particularly those engaged in the cyber sector in one way or another.

Internet Liability or Cyber Liability
Internet Liability insurance is increasingly relevant to every person or business who uses any form of electronic communication or data transfer – or simply has a presence on the ‘World Wide Web’.

Things you should know if you are in business: General Data Protection Regulation (GDPR)
On May 25th next year the European Union’s (EU) new data protection framework, the General Data Protection Regulation (GDPR), will become law.

A sideways view on IT security
Would you dance if I asked you to dance? Would you run and never look back? Would you cry if you saw me crying? Would you save my data tonight?

A failure to manage risk is risky business
Cyber security affects companies’ credibility and capacity to operate in the digital world, explains Sam Jones, project development executive at BGi.uk

MahaDevi Yoga Centre
We would like to introduce our chosen charity: The MahaDevi Yoga Centre. The MahaDevi Yoga Centre is the only centre in Europe fully dedicated to offering yoga therapy treatments to children and [...]

“Ogden” Discount Rate Change
Due to recent change to the way that personal injury claim settlements are calculated, you need to review the Limits of Indemnity required. The “Ogden” Discount rate will be reduced from 2.5% - [...]

Do we value our data enough to protect it?
I’m sure you know yourself. You know your business. Of course you want to protect everything in it. Right? Ask any business owner – they will tell you their time is their most precious asset. [...]

Four Steps Towards a Risk Management Strategy
Cyber-crime is unquestionably one of the biggest threats facing the public and private sectors today. Yet in the face of constant warnings and advice we are still seeing a worryingly lax approach [...]

Is Cyber Insurance for you?
With General Data Protection Regulation(GDPR) looming, the management of data a legal requirement and Cyber events indiscriminately affecting small businesses and large businesses alike on a [...]

A Review of the Draft Suite of National Occupational Standards (NOS) for the Role of Yoga Teacher
This review is about the draft suite of National Occupational Standards (NOS) for the role of Yoga Teacher. It has been produced for consultation purposes.

Threatsaurus
The A-Z of computer and data security threats. Whether you’re an IT professional, use a computer at work, or just browse the Internet, this book is for you. Sophos explain the facts about threats [...]

4 Steps to Protect Your Business Against Ransomware
Cybercrime is going to affect us all, either directly or through third parties. The average cost of a cyber-attack for companies with under 100 employees is £25,7361.

Keeping control of your data in the age of IT outsourcing
Companies are increasingly at risk of their data being breached through third-party providers, and upcoming regulations will soon make corporates liable not only for data breaches within their [...]

Cybersecurity issues central as experts agree firms should view them as a serious business risk
We have brought together leading experts to discuss cybersecurity risks to coincide with our spring update to the Risk Outlook.

BGi.uk are now Cyber Essentials Certified
BGi.uk are delighted to announce that we have completed the Cyber Essentials certification program.

Cyber Risks – What can the Insurance Industry do for you?
There is a confused approach toward the management of cyber risks with a lack of clear standards, a varied
Yoga Injuries and Training
There is still much debate as to how many people are injured as the direct result of practising yoga.
Could Injury Caused by Yoga really be the reason for the introduction of a NOS?
The following talk was delivered at an open meeting by Nick Elwell to which The British Wheel of yoga and Skills Active were invited but did not attend.
Comment on and response to Draft PAS 520:2017 report
Comment on and response to the question of and recommendations made regarding insurance in the Draft PAS 520:2017 report.
“Cyber Insurance is for all sizes of business”: not just the giants.
What follows is a cautionary tale from someone who was targeted by Ransomware:
Why ransomware spreads via phishing emails
Ransomware is a type of malicious software (aka malware) that prevents users from accessing a device or system by
A Beginner’s Guide to Marketing – Step 7: Follow Up
Regularly repeated action Having invested time and money in identifying your ideal customer and delivered your beautifully crafted message,
A Beginner’s Guide to Marketing – Step 6: Activity
Nothing happens until someone does something You have a list of prospective customers, you know what you want to say and when you plan to deliver your message.
A Beginner’s Guide to Marketing – Step 5: Planning
Make a 12-month marketing plan We all know we need to be marketing our business. We can get carried away with grand ideas that soon die out.
A Beginner’s Guide to Marketing – Step 4: Strategy
How are you going to get through? With your list of ideal prospective customers and a clear message, the next problem to overcome is how to get
A Beginner’s Guide to Marketing – Step 3: List Building
The money is in the list Not everyone is an ideal customer. It is better to talk to one person who is likely to buy
A Beginner’s Guide to Marketing – Step 2: Targeting
Who do you need to talk to? Contrary to popular opinion, your target market is NOT everyone. Can this really be true?
A Beginner’s Guide to Marketing – Step 1: Identity
So, who do you think you are? Before starting any marketing campaigns, you must have a clear identity.
Is artificial and unnecessary regulation merely for financial gain?
A short while ago the process to introduce a National Occupational Standard (NOS) for the teaching of Yoga
Open letter to STA regarding BGi.uk Insurance for swim teachers and schools
Open letter to STA regarding BGi.uk Insurance for swim teachers and schools
10 Things to Know about Professional Indemnity Insurance
A Guide to Protecting your Business
Response to NOS by IYN Secretary
I am against the institution of a National Occupational Standard for a Yoga Teacher [NOS] because:
NOS rumbles on
We have Jeremy Jones’ permission to publish his letter to Ms Caroline Larissey of Skillsactive. Particularly interesting
Open letter about the “Skills Active” certificate
An open letter commenting on the help that a “Skills Active” certificate would provide us, in the insurance industry
Does this Cyber Stuff really affect me and my business?
This document prepared by Jupiter should be read by all business owners.
ABI says insurers detected more than 130,000 fraudulent claims in 2015
New figures from the Association of British Insurers (ABI) have revealed that insurers uncovered more than
Open letter to any business with an online presence and/or data storage
Good morning. You asked about Cyber insurance. It has taken a while, but we now have a couple of Cyber policies
Open letter from BGi.uk to Skills Active regarding the proposed regulation of ‘Yoga’
Open letter from BGi.uk to Skills Active regarding the proposed regulation of ‘Yoga’
Proposed National Occupational Standards for Yoga
Keith ap Own is very much a scholar and a gentleman. A true yogi of the 60s but one wearing a blazer not a kaftan. His love of (and training in) Yoga started and continues with mental well-being; [...]
Biometrics and Cyber Liability
We have all seen films where the eye of the scientist or the finger of the secretary is “stolen”
FCA gives 1 April deadline for renewal transparency
The Financial Conduct Authority (FCA) has issued its proposed new rules and guidance for general insurance renewals in the retail market.
BGi.uk Swim School Insurance Cover
We were contacted by one of our Swim School Insurance customers who had been asked by other swim schools if they recommended BGi.uk Insurance
Exciting News!
BGi.uk have been working very hard searching for new modalities within the Yoga & Holistic sector and recognising therapies
BIBA Chairman Lord Hunt puts forward views on Europe
We are faced this week with a momentous decision, one that will potentially have repercussions for decades to come.
The Insurance Act 2015 Implementation
What is the Insurance Act 2015?
Cyberspace…
A metaphor for describing the non-physical terrain created by computer systems. For example, online systems create a cyberspace within which people can communicate with one another (email, social [...]