Protect

Please see below the important key facts relating to your insurance policy. You should, however, read the link to the full policy document we have provided you 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: £10,000,000 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 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
• 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
• 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
• 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:

a. 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).

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

For a full list of therapies we insure, please see here.

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