Leisure Industry insurance
Why do I need insurance?
Insurance is a waste of money – until you need it! Should bad luck strike and you are faced with an injury, damage to or theft of equipment or stock, prosecutions, tribunals, etc, then the correct insurance will protect you and your business. In the last few years, the leisure industry has suffered from the ‘claims culture’, so good insurance is more vital than ever.
The hospitality and leisure industry comprises a fast range of businesses, so no two policies are the same – and we can advise you on what you do and do not need. The amount of insurance you require, and the cost will be determined by the activities you undertake and the size of your business.
What should my insurance cover?
Many policies can be extended to include a range of benefits such as:
Payment of fines & penalties
Payment of ransoms & extortion
Cover for lost or disrupted income
Cover for physical injury/damage
The cost of phone hacks
Cost of notifying your contacts
Incidents at your outsourced service providers
Social media risks
Would I need a bespoke insurance package?
There are some instances where a more bespoke approach is needed. For example, if you run a hotel, guesthouse or B&B, you will have different requirements to the licence holder of a pub, restaurant or takeaway, despite both coming under the ‘hospitality’ umbrella. Similarly, an event or activity organiser, for example, should consider different types of insurance.
Sutcliffe & Co has thousands of leisure clients all over the UK, from nightclubs to sports clubs and understands the peculiar needs of both professional and amateur organisations. You may also want to visit the website of our sister company: sports & leisure insurance specialist Mann Broadbent.
What else might I need?
Sutcliffe & Co will not just provide an ‘off the shelf’ package, but get to know your needs to provide the cover your business requires. We may recommend additional covers, such as:
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