Health and Wellbeing Insurance Solutions

A warm welcome to the Health and Wellbeing Insurance Solutions page.

We are excited to announce that Joe Balen has joined BGi.uk and is now part of our dedicated Health and Wellbeing Professionals team. With over 25 years of experience, Joe brings unparalleled expertise in supporting associations, individuals, and businesses within the health and wellbeing sector.

Together, BGi.uk and Joe are committed to offering exceptional insurance solutions to a diverse range of professionals, including:

• Alternative/Complementary Therapists
• Beauty, Wellness and Fitness Professionals
• Osteopaths, Chiropractors, Physiotherapists and Occupational Therapists
• Spas
• Product Companies/Distributors
• Charities
• Events
• Festivals/Clubs

Our coverage spans over 1800 different activities and therapies, ensuring that we meet the unique needs and challenges of your business. We are here to provide tailored, reliable insurance solutions that protect both your livelihood and your family’s future.

Our Commitment to Excellence

At the heart of our service is a commitment to high standards, integrity, and exceptional care. We go the extra mile to ensure each client’s specific needs are met with precision and dedication. With BGi.uk, you can rest easy knowing that your business is backed by comprehensive, reliable insurance coverage designed to provide you with true peace of mind.

Exclusive Membership to Foyht

In addition to our insurance offerings, we proudly include exclusive membership to Foyht — a renowned supporting organization. This membership provides access to invaluable resources, ongoing support, and networking opportunities, giving you the tools you need to thrive in your profession.

Why Choose BGi.uk?

• Expertise: With a combined experience of over 55 years in the industry, we bring a wealth of knowledge and experience.
• Personalized Service: We take the time to truly understand your needs and offer bespoke insurance solutions.
• Comprehensive Coverage: Our plans are designed to protect a wide range of health and wellbeing professionals.
• Added Value: Enjoy exclusive membership to Foyht, offering extra support and networking opportunities to help you succeed.

Let’s Connect

We are passionate about supporting professionals in the health and wellbeing sector. If you’re looking for expert, practical insurance advice and dedicated support, we’d love to connect with you. Reach out today and click the below link for our individual Health and Wellbeing scheme or if you are a business or Association, please e-mail joe.balen@bgi.uk for more information on how we can help safeguard your business and livelihood.

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 (Great if you work ‘on-line’ from the EEA or the UK but do not have assets or interests overseas)
• 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
• 36 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

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/health-and-wellbeing/activities-therapies-disciplines

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