Sport and leisure

Managing your exposures - the sport & leisure industry

Some risks are common to all in the property and casualty areas, such as exposures for fire, flood or slips & trips. In addition, Business Interruption is a big consideration for those with a reliance on a specific location – for example a hotel or leisure centre.

Business Description

It is essential to ensure your insurer is aware of a full list of your activities, which may occur in addition to your core everyday activities. You may be running one-off events, such as weddings, conferences and firework displays. An event may be one day only or even just an evening, but all need to be disclosed to ensure your business is covered.

Slips & Trips

Bars are common in many hotels and sports venues, but the combination of glass, spilt liquids and alcohol can create hazards to employees and guests.

Regular risk assessments, coupled with proactive housekeeping, can help to keep these venues safe and ensure all users of the venue enjoy injury-free visits.

Training for staff

Staff turnover can be high in this sector and training must be provided so employees understand the risks and don’t injure themselves or the guests. It’s also essential that all training is recorded.

Consider if you are obliged to provide Personal Protective Equipment (PPE). If so, ask your employees to sign a record to show they have been given it and they understand why it is required.

Think about employing the services of a Health & Safety consultant to ensure you are covering all the right exposures in your business. This will ensure that, in the event of a claim, you can demonstrate you did all you could to prevent the accident or illness happening.

Swimming pools, jacuzzis & treatments

Providing sports facilities such as a gym or swimming pool requires good risk management.

Consider your obligations to provide a suitably trained member of staff to supervise and/or provide guidance to guests before using the facilities.

Keep a log of when equipment and facilities are cleaned and maintained.

Fire

Even something as relaxing as a spa can cause issues. There is an increased liability risk from the treatments provided, but even the oils used can impregnate bath robes and towels, increasing fire risk, so it is advisable to have a system in place where used towels and bathrobes are temporarily stored until they are sent for cleaning.

Any questions? Please don’t hesitate to contact one of our team.

Stuart Belbin – Stuart.belbin@ascendbrokingold.co.uk  |  Office: 01245 449067