INSURANCE SCHEDULE
You will only be entitled to Insurance under the section or sections which you have selected and for which you have paid the required premium. This schedule together with your insurance booklet, any endorsements or certificates, the online application, and any other information supplied shall form the basis of the contract between us and as such shall be read together as one document.
All covers are underwritten by Aviva Insurance Limited.
| Reference Number | I4SC104557 | Date issued:17/02/2020 | |
| Application date | 17/02/2020 | ||
| Period of insurance | From:17/02/2020 | To:16/02/2021 | both days inclusive |
| Insured premises | NJB Personal Fitness / 5 Up CIC 13 Raleigh Industrial Estate Camp Lane Handsworth Birmingham B21 8JF |
Summary of cover
| Option | Cover included |
|---|---|
| Flood Cover | No |
| Accidental Damage Cover | Yes |
| Subsidence Cover | No |
| Theft Cover | Yes |
| Assault Whilst Carrying Club Money | No |
| Property | Cover included |
|---|---|
| 1. Material Damage - Buildings | Yes |
| 2. Material Damage – Portable Items | Yes |
| 3. Consequential Loss | Yes |
| 4. Money | No |
| 5. Glass | No |
| 6. Fidelity | No |
| 7. Deterioration of Frozen Food Stock | No |
| 8. Loss of Licence | No |
| Liability | Cover included |
| 9. Sports Liability | Yes |
| 10. Employers Liability | No |
Endorsements
Risk Information
| Item | Detail | Item | Detail | |
|---|---|---|---|---|
| Approximate Year Built | 1991 - 2005 | Intruder Alarm | Yes - Audible bells only | |
| Listed Buildings | No | Deep Fat Frying | No | |
| Non Standard Construction | Up to 10% | Fire Brigade Proximity | 2 - 5 miles | |
| CCTV/24 Hour Security | Yes | Neighbours Proximity | Adjoining | |
| Portion of flat roof | More than 30% | Number of Tenants | Sole occupancy |
| Item | Detail |
|---|---|
| Length of time you have occupied the premises | Less than 3 years |
| Club is registered (or limited company) | Yes |
| Are there streams, rivers or tidal waters in the locality within 500 metres? | N/A |
| Has there been any history of flood at the premises or in the neighbourhood and/or have you ever been declined cover for flood insurance in the past? | N/A |
PROPERTY
1. Material Damage
| Item | Sum Insured |
|---|---|
| Buildings | £0 |
| Buildings - Outbuildings | £0 |
| Containers | £0 |
| Irrigation Equipment | £0 |
| Machinery, Fixtures & Contents | £8,500 |
| Furniture kept in the Open | £0 |
| Stock of Food and General | £0 |
| Stock of Beers, Wines, Spirits & Tobacco | £0 |
| Stock of Sporting Equipment | £2,000 |
| Ground Maintenance Equipment | £0 |
| Personal Effects | £0 |
| Fixed Floodlighting | £0 |
| Damage to Playing Surfaces | £1,500 |
| Sightscreens & Scoreboards | £0 |
Insured Perils
1. Fire, smoke, lighting, explosion and earthquake
2. Riot, civil commotion and strikers
3. Storm or flood
4. Escape of water
5. Impact
6. Escape of water from sprinkler systems
7. Theft or attempted theft
8. Escape of oil
9. Falling trees
10. Leakage of alcoholic & soft drinks
11. Accidental Damage
Basis of Settlement
Indemnity for any form of stock or perishable items, otherwise Reinstatement
Excess
The amount you will pay for each claim is £250 increasing to £1,500 in respect of claims arising from the peril of Subsidence, Ground Heave or Landslip as fully described in the Insurance Booklet
Supplementary Clauses
Not Applicable
2. Portable Equipment
| Item | Sum Insured | |
|---|---|---|
| Sports Kit & Equipment | £0 | N/A |
| Cups/Trophies/Pictures | £0 | N/A |
| Information Technology (Computers) | £1,000 | Premises |
| Portable Tools/Maintenance Equipment | £0 | N/A |
Excess
The amount you will pay for each claim is £100
3. Consequential Loss
| Item | Sum Insured | Indemnity Period |
|---|---|---|
| Estimated Gross Profit | £0 | 12 months |
| Estimated Gross Revenue | £130,000 | 12 months |
| Estimated Gross Rent Receivable | £0 | 12 months |
| Increased Cost of Working | £0 | 12 months |
| Rent Payable | £0 | 12 months |
| Book Debts | £0 | 12 months |
Excess
No Excess Applicable
Supplementary Clauses
‘Not Applicable’
4. Money
| Item | Sum Insured |
|---|---|
| Loss of Money whilst in transit | £0 |
| On the Premises whilst occupied | £0 |
| On the premises whilst unoccupied | £0 |
| In gaming or vending machines | £0 |
| In safes or strong rooms | £0 |
| In Personal Custody | £0 |
Excess
The amount you will pay for each claim is £250
Supplementary Clauses
Not Applicable
Territorial Limits
United Kingdom
5. Glass
| Item | Sum Insured |
|---|---|
| Internal/External | N/A |
Excess
The amount you will pay for each claim is £250
Territorial Limits
Premises only
6. Fidelity
| Item | Sum Insured |
|---|---|
| Fidelity | £0 |
Excess
The amount you will pay for each claim is £250
Territorial Limits
United Kingdom
7. Frozen Food
| Item | Sum Insured |
|---|---|
| Stock | £0 |
Excess
The amount you will pay for each claim is £100
Territorial Limits
Premises only
8. Loss Licence
| Item | Sum Insured |
|---|---|
| Limit of Indemnity | £0 |
Excess
The amount you will pay for each claim is £250
Territorial Limits
Premises only
9. Sports Liablity
| Cover Item | Sum Insured |
|---|---|
| Public and Products Liability - Limit of Indemnity | £2,000,000 any one occurence |
| Professional Indemnity - Limit of Indemnity | £1,000,000 any one Claim and in the aggregate any one Period of Insurance |
| Declared | Number/Sum Insured |
|---|---|
| Members | 0 |
| Turnover | £130,000 |
| Cover Extensions | |
|---|---|
| Third party hirers | Yes |
| Fireworks / Bonfires | No |
| Club Facilities | |
| Swimming Pool | No |
| - A Qualified lifeguard is always in attendance when in use | N/A |
| Sauna | No |
| - Electric stove type | N/A |
| Squash/racquetball courts | No |
| - Regular court inspections undertaken to check for defects | N/A |
| Grandstand | No |
| - Grandstand capacity is under 100 | N/A |
| Child-minding facilities | No |
| - A registered child-minder is always in attendance when in use | N/A |
| Canteen/cafeteria | No |
| - Food hygiene certification course has been undertaken meets UK/EU requirements | N/A |
| Club Activities | |
| The club hosts national/international events | No |
| The club enters into contractual agreements for non- sports activities | No |
| The club manufactures goods other than foodstuff | No |
Excess
The amount you will pay for each claim is £100
Territorial Limits
United Kingdom
Jurisdiction
United Kingdom
Supplementary Clauses
Not Applicable
LIABILITY
10. Employers Liability
| Cover Item | Sum Insured |
|---|---|
| Limit of Indemnity | N/A |
| Duties | Wage roll |
| Clerical/Managerial | N/A |
| Coaches/Instructors | N/A |
| Players/Participants | N/A |
| Caretakers/Cleaners | N/A |
| Food/Beverage | N/A |
| Ground staff/Maintenance | N/A |
| All Others | N/A |
| Volunteers | |
| All staff are volunteers not receiving payment | N/A |
Excess
No Excess Applicable
Territorial Limits
Premises only
Jurisdiction
Premises only
Issued subject to the terms of the Insurance Booklet and signed by the Authorised Representative of Ripe Insurance Services Limited on behalf of the Underwriters.