Please see below the important key facts relating to the insurance policy. You should, however, read the full policy document to ensure that all aspects of the policy cover your practice activities correctly. If you are in any doubt as to whether the cover is sufficient or require clarification on any aspect of your policy, please don’t hesitate to contact us.

Insurance Key Facts

Your insurance includes:

• Public Liability (Indemnity Limit £5,000,000 per insured person or business: an indemnity limit of £10,000,000 is usually available on request)
• Malpractice Cover & Professional Indemnity (Indemnity Limit £5,000,000: £10,000,000 usually available on request)
• Products Liability – Limits apply (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
• Liability Cover for 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: mobile phones excluded
• Libel & Slander – Terms Apply
• 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)
• Indemnity to principals included
• Member to member liability included
• Retro-active date 2006 or since the date you have held Medical Malpractice/Liability insurance without break or interruption
• 36 months run off cover to allow for periods when you might not be working
• Geographical Area & Jurisdiction The insurance is available to anyone living or working in the UK (including the Channel Islands, Isle of Man and Gibraltar), EU/EEA and South Africa for:
  
  1. Face-to-face meetings, therapies and treatments: you will be insured for work undertaken anywhere in the world other than the USA and Canada (insurance in the USA maybe available for specific trips and / or events).
  2. Remote, on-line and pre-recorded meetings, therapies and treatments: you will be insured to work anywhere in the world but the jurisdiction applicable will be that of the country where your business is based (claims first made and awards made in the USA and Canada are specifically excluded).
• Loss of Reputation extension included
• Emergency First Aid and Good Samaritan Acts included

Important conditions

• All premiums to be paid by PayPal, Credit/Debit card or Bacs/Bank Transfer in GBP for UK (including the Channel Islands, Isle of Man and Gibraltar) and South Africa policies
• The Insurance is provided on a 12 month basis. No premium returns are made unless cancelled 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 firmly believe in ensuring wide protection for both educators and learners. That’s why we offer all our policyholders an indemnity of £5,000,000, a standard requirement for many councils, the NHS, and other related authorities. For those seeking even greater coverage, we provide the option to upgrade to a higher limit of £10,000,000 for an additional fee, ensuring peace of mind for all stakeholders.

Special features

The Foyht policy offers extensive coverage, catering for the needs of most individuals and microenterprises. However, as your business grows beyond a sole proprietorship, it may be advantageous to explore your insurance needs on a Business Combined basis, which includes additional Commercial Insurance Risks.

For personalised information and advice, please don’t hesitate to contact us at Tel: 01367 246130 or email us at foyht@BGi.uk.

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 (including the Channel Islands, Isle of Man and Gibraltar) b. The EU/EEA c. South Africa.