Prepare a clear description of the facility for a discussion with a licensed insurance professional. This guide lists useful information to bring; it does not determine cover or insurance obligations.
Describe the complete operation
List training activities, opening hours, users, employees, contractors and equipment. Include any special activities or additional services. The policy must be assessed against the actual operation and information supplied to the insurer.
Ask about cover and exclusions
Request a written explanation of relevant cover, limits, deductibles and exclusions. Ask how equipment, coaching, third parties and employees are addressed for your business. A coverage label does not establish that every event is insured.
Include installation and site works
For site works or installation, identify the contractors and commissioning parties. Have contractual insurance requirements reviewed before signing. Do not rely on a generic certificate without understanding its scope.
Keep records and report changes
Keep the policy, endorsements, handover records and equipment inventory. Ask your adviser how to report operational changes or an incident. Claim handling and payment depend on the circumstances and applicable cover.