Whatever your club’s size or activity we will listen to you and help to provide insurance tailored for your needs. It may be that a relatively straight forward Public Liability insurance is all that is required for certain small clubs whereas larger or more unusual organisations may require bespoke policies to suit their particular needs. Once the right package is in place you can concentrate on enjoying the activities and environment of the club.
Injury to staff or members or the general public, damage to equipment or stock, prosecutions, tribunals – these are all disasters that could hurt your club and your committee. The correct insurance will protect you and your organisation, especially prevalent in recent times with the claims culture in everyday society.
We will work with you to get the policies you need at the right price. The following sections of cover are the more common elements that are likely to be included:
Property insurance – providing Property (Material Damage) insurance cover at your business premises for Buildings (where applicable), Stock, Business Equipment, Tenants Improvements, Business Interruption, Money and Goods in Transit.
Public Liability insurance – gives protection against claims made by members of the public who have sustained injuries or damage to their property in connection with your business activities. Cover is available from £1 million indemnity limit although higher indemnity limits are commonly recommended.
Employers Liability insurance – gives protection if an employee is injured or becomes ill as a result of the work they do for you and then try and claim against you for compensation. Cover is available for a £10 million indemnity limit but this can be extended.
Other Optional Covers – the nature of the club or organisation will influence what other covers may be relevant. There are a wide range of possibilities including Computer and Electronic Equipment, Glass, Deterioration of Refrigerated Stock, Legal Expenses, Terrorism, Personal Accident, Loss of Licence, Directors and Officers Liability and Engineering Inspection.