Conservative Clubs are essential to the community
Conservative Clubs are the focal point of many communities, offering a unique social hub and calm presence for many members and locals. Core to the British way of life, Conservative Clubs, working men’s clubs, social clubs and other political clubs need to be protected. One of the greatest risks to the survival of a conservative club is an insurance claim. Claims can range from the thousands to the millions of pounds in damages, and can originate from a plethora of risks, including weather damage or injury, or even cyber attacks. Insurance is essential and important, but getting it right can be difficult.
As the UK’s most popular club insurance broker, Club Insure are the longtime partners of the ACC (Association of Conservative Clubs). It is our mission to safeguard clubs, and deliver the best possible insurance solutions. We understand clubs, and our experts have been delivering on insurance needs for over 20 years.
Below we answer what the key policies are for they types of clubs, why a dedicated broker is beneficial, and how conservative clubs can reduce their premiums.
Necessary Insurance Policies for Conservative Clubs
These are the most essential insurance policies for conservative clubs:
- Public Liability Insurance – This insurance type covers you if a visitor to your club suffers an accident or injury. They may make a claim against you which will require investigation, legal fees and possibly compensation. Public liability insurance covers third party damages, slips trips and falls – these some of the most commons claim a club experiences. A dedicated insurance broker will cover you club financially for compensation and legal fees.
- Employers’ Liability Insurance – Clubs legally need Employers’ Liability cover because they employ one or more members of staff. Employers’ Liability is necessary to also cover volunteers too. Employers’ Liability will cover you against claims should an employee fall ill or get injured while working.
- Directors’ and Officers’ Cover – Protect the leadership team at your club. This could include professional indemnity, if they breach duty trust or are found to be negligent.
- Business Interruption Insurance – The unexpected happens and your club has to close temporarily. Can you survive without income rolling in? That’s where Business Interruption steps in. Whether its roadworks, a flood or a break-in; business interruption insurance will cover your loss of income and keep your business afloat.
- Buildings and Contents Insurance – Protect your building and everything in it. From function rooms and bars through to trophy cabinets and other equipment, you don’t want to be left footing the bill if your club’s belongings are lost, damaged or stolen.
- Stock and Materials Cover – If the unexpected happens and you need to make a claim for stock, materials or perished food then you’ll need this type of insurance cover in place.
- Loss of Licence Insurance – To run a Conservative Club, there are various licenses that need to be held, including alcohol-sale license, music license and TV license. If you lose your licence, this could significantly impact your customer base. Loss of Licence insurance will cover for losses such as compensation costs and legal expenses.
More covers are available. After a visitation or consultation with your expert handler, Club Insure may recommend other covers. These could include cyber insurance to protect your data, or terrorism cover depending on your location.
The importance of a using a dedicated broker
“Social Clubs should be starting the process of arranging their insurance requirements at least three months before renewal. What time of year golf courses renew is not an issue, but from my experience, the best outcome is always to use a broker” says Mark Dearden, Schemes Manager at Club Insure.
“The process of utilising a broker first starts with a visitation from one of our representatives. At Club Insure we have about ten reps spread all over the country, each are experts in what clubs require and know what a risk-averse social club looks like.”
“The reason for a visitation is to see first-hand the current arrangements the club has in place. We would perform a survey of the premises; nothing too in depth, but to make sure the basics are right. The basics include security, checking cameras and alarms are in good working order, general maintenance of the club and its properties – we can get a good feel for a club more or less after one visit.”
Beware of unethical club insurance brokers
Club managers need to be aware of the dramatic rise in unscrupulous and unethical brokers. We have been notified of deceitful and untrustworthy individuals trying to con club managers into switching to their inferior insurance product. They promise artificially reduced renewals, when in actuality their cover is inadequate and leave your club at major risk.
Club Insure appointed the Insurance provider for The Association of Conservative Clubs
Club Insure has been working with the ACC since 2013. In that time, we’ve supported clubs through legal disputes, Public Liability claims, employee dishonesty and almost everything in between. If you’re a member of the ACC you don’t have to partner with us, but you are recommended to.
We’ve built a strong reputation as a supporter of the work political clubs do. The biggest reason why Conservative Clubs work with us is because other Conservative Clubs work with us too. Our experience and knowledge of the unique problems that the community faces means we can see many issues before they arise.
The Benefits of being insured by Club Insure
Through our exclusive relationship with the ACC, we are able to offer conservative clubs special premiums on their insurance. But the perks don’t stop there – Club Insure deliver on a range of outcomes and qualities which will hugely benefit your club’s management.
- In-House Claims Team – Club Insure have a well-renowned in house claims team of about 20 individual, each experts in servicing clubs. This means we are able to swiftly sort out any claims made upon your club and help you get back to working order.
- Dedicated Account Handler – Available and knowledgeable, conservative clubs will receive a dedicated phone line and email for their Account Handler. We believe that by building a relationship with our clients, we are able to deliver the best service.
- 24/7 service – You never know what time a claim could happen. That’s why our phone line is open 24/7, allowing us to react as quickly as possible to your call.
- Additional Support – At Club Insure, clients have a range of additional support options made available to them, including HR and Health & Safety management through our affiliated outsourcing company, Sentient.
What can Conservative Clubs do to reduce their premiums?
We asked Mark Dearden, Schemes Manage at Club Insure, what can affect a club’s premium and policy rates. Mark said: “Demonstrating you have a well-managed, well-maintained and well-run club supported by its members will definitely help build confidence with insurers. Honestly, the best option is to use a broker. The role of a broker is to search the market to get the best cover at a fair price for the client.”
“It always best to be open, to have open dialogue. It important to be insured properly in the event of a claim, and this requires the correct information being relayed to the underwriter. Once the cover is agreed, we as a broker will be able to deal with all claims without the club’s involvement. Club Insure only use A-rated insurers, and operates on an open relationship with our golf clients.”
Start a relationship and leave it to us at Club Insure, we will take away all the stress of sorting your insurance or involvement in a claim, and let you get back to doing what you do best – serving the community with a ship-shape Conservative Club.
