Finding adequate cover for businesses in the leisure industry is essential. Some insurance is required by law, like Employers liability, and some is simply a good idea, like Public liability. The leisure industry covers a wide range of businesses from sole traders providing instruction ro large multi site premises. Each will have its own risks and industry quirks. Many of our advisors undertake specific leisure activities which gives them a better understanding of the market than our competitors. This leads to lower rates and less chance of any gaps in your cover. We take the worry out of the process so you can get on with doing what you do best. No standard, one-size-fits-all, policy can cover all businesses. This is where our experience and knowledge comes in to play.
How can we help?
The good news is we are experienced in specialist insurance cover for the leisure industry. 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.
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.
Similarly to Employers' Liability this covers any injury or illness that any member of the public may incur due to partaking in your services or that is in some way your responsibility. Unlike Employers liability this is not required by law, although it is a very good idea for anyone in the leisure industry to have public liability. Without public liability the company, or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well.
Additional Covers Available:
Directors & Officers
Equipment and other assets
Business Interruption and Money