Gyms, Fitness Centres & Spas
Depending on your requirements, we can look to offer you a variety of covers in order to suit your needs. Covers include;
Can cover for perils such as, fire, storm, flood, burst pipes, lightning, malicious damage, theft etc. Buildings cover is not normally required where you are a tenant or leaseholder.
Can include Equipment, Tenants Improvements to the buildings, Goods in Trust and Stock, Cover can be increased to include Accidental Damage.
This provides protection incase something goes wrong when you are or have carried out a treatment on a client.
Public Liability Insurances
This covers liability at law for causing injury to other people (not necessarily clients/patients) or for damage to their property, provided that no treatment or advice was the reason for the incident. "Trip and Slip" situations come under this protection.
Employers Liability Insurance
This covers the Employer for injuries sustained by any employees or work experience assistants. This cover is a legal requirement where staff are employed staff and the employer's liability certificate needs to be displayed in the workplace by Law. Self Employed People are not usually covered by this.
Products Liability Insurance
This covers the business for any defect in Health or Wellbeing products as well as food and drink sold, supplied or demonstrated to the customer or client, which may cause injury or damage. Even if the business did not manufacture the item concerned and innocently passed it on, under EEC directive, the Consumer Protections Act etc., it will still be initially held liable. i.e.. the last to pass on a product in a chain of supply will be held liable.
This covers loss or damage anywhere in the UK for travel to and from the bank- e.g. takings, wages and in the premises for the usual insured perils during business hours. Out of business hours cover can also be included.
Loss of profits insurance, Business Interruption (B.I.)
Business Interruption keeps the profit coming into a company if it can't trade due to a fire etc., particularly where a business is dependant on the building for its regular income.
Why should I get it from you?
A very professional firm plus nice people who are honest