You can find out the real benefits of taking out our Activity Business Insurance Policy
JLT Leisure have worked closely with the Institute for Outdoor Learning (IOL) for over 7 years, enabling us to offer you an insurance product specially designed for activity businesses.
The IOL are an Introducer Appointed Representative for JLT Leisure and exclusively recommend us to their members, for further information please visit Outdoor Learning
Although we can provide you with a quotation over the telephone we are always happy to visit your center in order to get a clear understanding of your business and insurance requirements.
We offer this personal service during both your new quotation and also at renewal. We do this to guide you through the process and ensure the insurance cover is reflective of your business.
Public and Products Liability insurance with JLT Leisure is on a 'Claims Occurred' basis, ff you are currently on a 'Claims Made' basis we are now able to offer you retrospective cover.
Are you covered if a claim arises after your existing policy expires ?
We offer a ‘claims occurred’ policy that will ensure you are covered irrespective of whether the policy is in force at the time of the claim.
To fully understand the benefits of our ‘Claims Occurred’ policy cover please read the following two types of policies that insurance companies may offer:
1. What is a ‘claims made’ policy ?
If you have a ‘claims made’ policy and a claim was not notified before the insurance expiry date you will not be covered. Therefore with a ‘claims made’ policy it must be in force at both the time of the incident and the time of the claim.
Our competitors offer this type of policy, however we do not. This is since this may leave you in a difficult situation with a claim being made against you and you having no cover.
2. What is a ‘claims occurred’ policy ?
We provide a policy, which is on a ‘claims occurring’ basis. This means that any claims that occur during the period of insurance you will be covered with us. This is irrespective of whether the policy is in force at the time of the claim. Therefore you can have peace of mind and insurance that you can trust to cover you if a claim is made.
Why is it important to have a ‘claims occurring’ policy ?
It is important simply because legislation states that an injured adult has 3 years to make a claim and a minor has until the age of 18.
If you decide to move your policy you need to minimize the risk by notifying the Insurer of all incidents, which may give rise to a claim prior to moving. To help you we have prepared the following guidelines should you wish to cancel your existing ‘claims made’ policy.
However remember that we can now also offer you Retrospective cover for the period you were previously on a claims made basis.
As part of our property insurance we are able to offer Business Interruption Insurance and Key Person cover for centre operators.
We offer £5,000,000 standard cover but we have the facility to purchase a higher indemnity limit for you if required.
Adventure Activity has been able to provide you an exceptional touring caravan insurance scheme, as we are part of Jardine Lloyd Thompson Group PLC, the largest UK and European based broker. This relationship ensures that we will continually deliver great products, customer service and value to you from a respected and trusted brand.
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