The policy defines premises as "Unoccupied" after 30 consecutive days of being unoccupied, untenanted, or not actively used. Some covers contain restrictions or exclusions once premises become unoccupied for this period. Customers should refer to their schedule and policy wording for specific cover implications.

Business Interruption cover can provide cover for loss of Gross Revenue and increased costs of working where insured Property Damage at the premises causes interruption or interference with the business. Cover only applies where Business Interruption is shown on the policy schedule and follows a valid insured property damage claim.

The policy can provide Public Liability cover for events and activities connected with the insured business. We do have a limit of 500-attendees per event.

Exercise classes may be covered where they form part of the declared business activities and instructors meet the policy qualification requirements. Cover remains subject to policy terms and underwriting acceptance.

Yes. The policy can accommodate food and drink sales where declared. Businesses must comply with all food hygiene, licensing and legal requirements. Certain Business Interruption extensions also provide cover where closure results from food contamination incidents.

Public Liability cover extends to activities undertaken in connection with the business within the Territorial Limits shown on the policy schedule. Cover also includes temporary attendance at competitions, meetings, conferences and exhibitions worldwide where permitted by the policy.

Any coach, trainer, instructor or referee must be qualified in accordance with the requirements of the relevant National Governing Body. Where no governing body exists, they must have at least three years' coaching experience unless otherwise agreed by the insurer.

No. Claims arising from play inflatables are excluded unless they are owned and operated by a third party who maintains their own insurance.

No. The policy excludes professional sports clubs where players receive more than 50% of their annual income from playing the sport.

Contents limits are determined by the sum insured shown on the individual policy schedule. Contents are insured on a reinstatement basis and should reflect the full replacement value of the property insured.

Our revenue limit is set to a maximum £500,000 per policy year

Buildings are insured up to the sum insured shown on the policy schedule and should reflect the full rebuilding cost of the property

Public Liability insurance covers legal liability for:

• Accidental bodily injury to third parties

• Accidental damage to third party property

• Accidental nuisance, trespass or interference with rights of way

• Wrongful arrest, detention, imprisonment or eviction arising from the business

Cover is subject to the policy terms, conditions and exclusions.

Laptops and similar equipment may be covered where they are insured as Portable Equipment and shown within the insured property limits. Cover is subject to the Portable Equipment terms, conditions and security requirements.

Yes, where Stock is shown on the policy schedule. Stock is insured on an indemnity basis and should be insured for its value at the time of loss. Up to the value of £10,000.

Yes. Grounds maintenance equipment forms part of the policy definition of Contents and may therefore be covered where included within the insured sums shown on the schedule up to the value of £30,000.

These activities may be acceptable subject to underwriting and the qualifications requirements contained within the policy. Suitability should always be confirmed against the customer's declared activities and Statement of Fact.

Unfortunately we do not offer cover for Rugby clubs (league or union).

Unfortunately we do not offer cover for a golf course.

The policy excludes claims arising from:

• Play inflatables not owned and operated by an insured third party

• Soft play centres

• Trampoline parks

• Overseas activities (other than attendance at competitions, meetings, conferences and exhibitions)

• Residential facilities other than camping, holiday camping or youth hostel stays of up to 7 nights

• Welding equipment or cutting torches

• Chainsaws

• Powerlifting machinery

• Metal-working machinery

• Woodworking machinery (other than powered hand tools)

• Professional sports clubs

• Racing activities

• Horse riding, hunting and other animal sports

• Motor activities

• Airborne lanterns