Finding adequate cover for Leisure Centres and Health & Fitness Clubs is essential. Some insurance is required by law, like Employers liability, and some is simply a good idea, like Public liability. If you are looking for health club or leisure centre insurance or fitness club insurance you have reached the right place. At Town & Country Insurance Services we provide some of the lowest prices for health club insurance quotes.
Recent rises in compensation claims show that accidents in health and fitness clubs have increased, even with more and more Health and Safety regulations the rise in compensation claims continues. This leads to increased pay-outs which in turn leads to increased premiums and of course onerous terms and conditions. Picking a broker that understands your industry is essential. If you are with an insurer that doesn't fully understand the nature of your business how are they going to deal with claims against you? We are industry specialist brokers, we do site visits to discuss your requirements and give advice. Site visits lead to lower premiums and help avoid gaps in cover which could be catastrophic in the event of a claim. Our panel of insurers include major brands as well as specialist schemes with enhances covers and rates. We are consistently cheaper than our competitors in this market. Call us today for a quotation.
We don't simply ask a few questions and fill out a form to pass along to the insurers. We get to know you and your business before negotiating with up to a dozen insurers to make sure we not only find the cheapest cover for you, but insurance that you can be confident in. You can then cherry pick the right cover for your business at a price you are happy with.
Cover Options Available
Employers Liability - £10 million covering full or part time employees
Public & Products Liability - £2 million with the option to extend to £5 million or more.
Professional Indemnity - a form of liability insurance that helps protect professionals advice and services. This includes coaching and training.
Property & Stock Damage - covering your buildings, plant, contents and stock to include accidental damage.
Guest’s Property Damage - covering your guests property
Goods in Transit - covers the carriage or shipment of your business goods.
Business Interruption - to protect your business income in the event that you are unable to operate your business following damage to buildings, contents or stock
Money - covered during business hours or overnight in your safe including assault
Directors & Officers - provides personal liability protection for directors and officers of your business, this again is an extension or sometimes a separate policy.
Optional Personal Accident - provides cover for accidental death, disablement & medical expenses, this again is an extension or sometimes a separate policy.
Deterioration of Stock
Damage or Loss of Machinery & Irrigation Equipment
Legal expenses cover - Covers you for employment disputes, employment awards, health & safety prosecutions and tax enquiries and disputes
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.