Insurance

ACESL and BGi.uk are together proud to present the following special offers.

ACESL contacted the main insurers associated with the babywearing industry. Only BGi.uk showed any interest in our working together to support this industry change.

By persuading insurance companies to work with us in support of our members, we hope to offer a higher level of support. Our members will benefit from the best help, advice and support available, the best insurance possible whilst seeing their insurance premiums kept to a minimum. We are confident that the future will demonstrate that our members have less claims and present our insurers with less ‘risk’ due to the community standards and support provided by ACESL.

  1. DISCOUNT. Save £10 or 10% which ever is the higher amount.
  2. TIERS of payments. We have agreed special tiers for payment levels.
  3. Volunteer status. We have agreed a special volunteer status for our members.
  4. Increased protection should the worst happen. It’s in the small print we all read, but work hard to avoid needing.
  5. Our members will be able to access our statistics to provide annual infographics in order to promote to the wider community.
  6. Employer’s liability available (for both PAYE and volunteers, trainees and assistants)
  7. Insurance for Online activities included (competence element for consultants can be evidenced via ACESL in-house training/CPD.)
  8. A 10% discount on other personal insurances arranged through BGi.uk
  9. Insurance for additional disciplines such as yoga can often be included without additional charge.
  10. Other excellent coverage benefits
  11. Free entry on the ‘geo based’ marketing directory https://foyht.co.uk/health-and-wellbeing/
  12. Free use of the events calendar https://foyht.co.uk/whatson/

Additional coverage for Stock, or for dual timetable slots, is available on a case-by-case basis. In some cases, it may be an additional policy, or the cost equivalent to an additional policy.

Small Print: BGi.uk have offered these bonus benefits for members of ACESL at the time of starting or renewing an insurance policy. Although you will deal directly with the BGi.uk, you will need to provide a current certificate of membership from ACESL, allow them to validate it from our special list (especially if you need to sort this speedily), and provide directly to them any other any supporting evidence required in order to activate these special offers.

BGi.uk contact details: Khia Rendall khia.rendall@bgi.uk.com (01367 246137) BGi.uk, Portwell House, Market Place, Faringdon, SN7 7HU.

If you cannot find the type of insurance you require, please contact BGI for a bespoke package.

FAQs

Q1 – Can the peer supporters run sling library sessions without a babywearing/carrying consultant?

Yes, however the level of cover reflects the level of training received. Named/nominated Peer supporters who have carried out a recognised appropriate qualification, can run any sling library without a babywearing consultant being present for the following:

  • front carrying a single child
  • hip carrying a single child

However, the following are not covered:

  • back carrying (not covered)
  • multiples/tandem carrying (more than one child in a carrier at the same time – not covered)
  • breastfeeding and carrying in slings (not covered)
  • carrying in a carrier and exercise (not covered without specific qualifications completed, and additional insurance coverage activated)
  • 1-2-1 consultations

This coverage supports those new to this area or who are have existing qualifications in babywearing/carrying and wish to run a sling library. It is reflective of the level of training 1 day (verses the 4 days consultancy courses) and still allows community support.

Q2 – Babywearing peer supporters who run ‘exercise groups’

This high-risk category of use depends on the activity level and intensity of the session, and as such this requires specific coverage, as there are examples of inappropriate offerings within the public domain. Remember great care should be taken choosing this pathway.

Any Named/nominated Peer supporters who have carried out a recognised appropriate qualification, can run any sling library without a babywearing consultant being present for the following:

  • front carrying a single child
  • hip carrying a single child

However, the following are not covered:

  • back carrying (not covered)
  • multiples/tandem carrying (more than one child in a carrier at the same time – not covered)
  • breastfeeding and carrying in slings (not covered)
  • carrying in a carrier and exercise (not covered without specific qualifications completed, and additional insurance coverage activated)
  • 1-2-1 consultations

Any exercise related use with a child in a carrier, must only be carried out by those who have the appropriate qualifications and understanding of the type of activity being offered, and post-natal care in additional to the babywearing training. This is therefore only covered on a case-by-case basis, and those seeking such cover are advised to write out the case for coverage with as many details of possible. ACESL and BGI do not promote babywearing and exercise unless all risks to prevent injury to babies and young children are minimised.

Q3 – Sling coverage (stock)

This policy has an automatic coverage of up to £5000 for all slings and related products, that are kept in a secure location. This coverage only applies whilst they are within the sling library or consultant possession, and thus slings out on hire must be covered by any sling library/consultant terms and conditions with the hirer.

An exemplar sling library/consultancy sling loan agreement terms and conditions is available for ACESL members.

For those operating within secure location, coverage may be provided if BGI receives a word document (or equivalent) with photos and supporting information explaining the level of security means the stock is in secure location.

Those needing coverage for up to 10k, can contact BGI for additional coverage for a supplement.

Q4 – Consultants and multiple ‘hats’ e.g. sling library, consultancy

Whilst BGI wish to support coverage, all insurance is based on a single timetable basis. That is, that the policy holder and their nominated representatives, only run sessions concurrently, not simultaneously. Should you require the ability to run session in different locations at the same time, please contact BGI directly.

If the policy holder is running two differently named sling libraries – as long as the single timetable element is carried out, coverage will be provided under the stated single policy. If in doubt contact BGI.

Q5 – Professional material (production of)

Please note that your policy does include on-line teaching and classes. Your policy covers you to teach face to face and online classes. These classes can be live (the platform used is not an issue) or they can be pre-recorded. If you are using a pre-recorded video for your classes please note that the cover will still only extend to injuries sustained in the session, not the potential media exposure if the video happens to reach a wider audience or go viral.

However, what is currently covered:

At consultant level:

  • 1-2-1 face-to-face consultations – face-to-face or live via any closed media (e.g. a skype chat)
  • post one to one or workshops follow up messages

Within sling library situation support:

  • E-mail support with photos
  • Fit checks with photos or ‘live’ individual support

In addition, there is the option for coverage of the following – if it is within your professional remit, and if it is run through ACESL, and shared with the Steering group to ensure that liability is reduced to minimums, in the interest of the promotion good practice. Coverage has been agreed for all non-interactive written, and visual (non-video) materials, that are run through ACESL this way (and that evidence can be provided via e-mail trail – if needed). Feel free to use our exemplar permission slip.

  • Infographics
  • Instructional

We are working on getting a media policy established at a sensible cost (currently £200/person) at the earliest opportunity, but this has been highlighted as a future point. The wide distribution increases the liability based on BGI working knowledge and experience, and thus we need to find a way to reduce this.

In the meantime, ensure you have evidence of all copyright and permission for use for any images, and use the exemplar consent form, or equivalent, or use ACESL community images supplied to the professional members for use to promote positive images of babywearing.

Q6 – Employer’s Liability

Depending on your set up as a library, you might need Employer’s Liability Insurance.

BGi.uk is aware of the unique situation in which many of us find ourselves within the carrying education community. Insurance can be arranged and the premiums calculated on the hours ‘active’ rather than the number of people engaged. They are keen to support those needing this mandatory insurance and to ensure that we are provided with the most appropriate policy that best meets our needs.

If your helpers, assistants, including all volunteers/consultants/peer supporters etc. collectively work under 2000 hours per annum then the annual premium for this section will be £47.53.

If your library has over 4000 working hours annually, a commercial policy may be more appropriate and we recommend you contact BGi.uk for advice – and a quotation.

Q7 – Add ons – stock – working from home, premises risk etc….?

Stock: A typical coverage for slings and related resources is automatically included within the insurance policy

Working from home: Anyone working from home should ensure that their policy includes

  • Working from home
  • Working from home receiving visitors

This coverage on your household insurance, together with BGI insurance is expected to cover any currently foreseeable need.

Premises risk: Most people hire a venue to use for a few hours, this would be covered by the premises own insurance, and your standard policy with BGI.

Anyone who owns or rents their own specific venue, requires their own insurance for that venue.

Car: make sure your car insurance covers you working and using your car at the correct level.