Hospitality & Leisure Insurance
Specialist leisure insurance covering the whole sector.
Our team understand your sector and will provide insurance programme design, risk assessment, insurance placement, programme services and claims settlement.
We can also provide you with access to our specialist risk management tool, Ascend Risk.
7 reasons to speak to Ascend Leisure today:
1. Our dedicated leisure team have a deep understanding of the leisure sector.
2. We have worked in your sector before joining Ascend.
3. We provide a fast response and proactive advice.
4. Access to a wide panel of key leisure insurers who offer bespoke cover and wordings.
5. A personal advice-driven service.
6. Easy access to all of your dedicated team.
7. Access to industry-specific risk management advice.
Directors & Officers Insurance
How would you fund the legal costs and awards made against you?
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01245 449 060
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What type of claims and what types of care are covered?
Ascend’s care insurance products will provide cover against a vast range of risks including:
- An accident involving a visitor at your care home
- An incident involving a member of staff
- An accident whilst providing aid to a service user
- Failure to provide correct treatment
- Failure to perform medical practice
- Property damage
Claims arise at unexpected times, that’s why our experience in the care sector is so important.
Our knowledge and experience as specialist insurance brokers for the leisure industry means we tailor individual solutions to protect your employees and visitors.
We understand your unique challenges and your increased exposure to potential liability claims. The true test of any insurance policy is how it responds in the event of a claim.
Large Cash Carryings
Directors & Officers
Employees Personal Accident/Travel
We have specialist experience in arranging event cancellation insurance. This is designed to protect against costs and expenses you may incur as a result of an event having to be cancelled due to circumstances beyond your control.
Conferences, exhibitions, festivals, music and sporting events, in addition to church and village fairs, can all benefit from
event cancellation insurance due to, for example:
Adverse weather conditions.
An inaccessible venue due to safety concerns.
The performer cancelling due to illness.
Event cancellation is a specialist insurance cover with a range of available options, including cover of loss of revenue or profit.
FAQs about Care Insurance
A leisure policy can cover a variation of risks, the main covers are:
- Employers’ liability
- Public liability
- Buildings and contents
- Business interruption
- Product liability
Trespassers on your land can still claim if they are subject to accident or injury. Not every ‘trespasser’ has malicious intent. Remember that the word trespasser could include kids playing football on your field or a woman walking her dog.
An example would be if someone were to walk their dog on your land and fall over due to negligent work carried out in your grounds. They then have a right to claim against you.
When it comes to public liability, your limit will vary depending on your business type, business activities and so on. Most insurers give different limits of cover:
Smaller businesses may only be looking up to 5 million. You need to remember that if a third party were to claim, they can claim for a number of things such as compensation for the injury, loss of earnings, medical costs and potential on-going care. This can end up amounting to a sizeable claim. Therefore, the business may need to rethink their level of cover. On the other hand, for a business which is high risk, it will be best to go for the higher level of cover.
In normal times this would be very easily dealt with. The insured would have to let their broker or insurer know if the business will be closed for longer than 30 days. This would result in reduced cover for that period and sometimes an extra premium, but the policy is still valid.
In the current times insurers are making the effort to support their policy holders and increase their definition of “unoccupied” or “empty” from 30 consecutive days to 60 and over. This means you won’t have to pay the extra fees of having to go over that initial 30 day period.
What services do we offer?
Who to speak to?
Chris has gained a broad knowledge of the insurance world after nearly 15 years’ working in the industry. He has worked in a variety of roles ranging from broking, management and, currently, as an Account Executive, developing his growing client base here at Ascend.
Bringing together the best of his national and independent broking experience, Chris is able to provide Ascend clients, from medium privately-owned businesses to public limited companies, with leading market solutions across a wide range of industry sectors.