Posts
Business Interruption – FCA Test Case ruling
/in Covid-19/by Activities Industry MutualFor those Members with Business Interruption on their cover the following update applies following the decision made by the FCA.
We are reviewing and considering the decision made by the FCA in the test case judgement handed down this week. The Mutual Managers are discussing both internally and with supporting insurers and are doing so as quickly as we can, but cannot make any further comment at this stage.
If you want to pursue a claim under the BI cover, please follow the usual procedure for claims but we cannot comment on the validity of any claim at this stage.
For further information about how to make a claim please visit the Claims page on our website
COVID 19 – Latest Update
/in Covid-19/by Activities Industry MutualSupporting our Members through COVID 19 – UPDATE 7
We hope that you are all keeping safe and well and managing to resume businesses and activities or looking to the future with plans to restart.
Just a gentle reminder to ensure you have the correct Public Liability cover in place before you resume activities, email the team on [email protected] if you have any queries.
Keeping everyone safe
We wanted to remind all AIM Members that whilst we have eased from the initial lockdown there are still some restrictions in place and everyone must ensure that they are adhering to current Government guidelines to keep staff, visitors, and participants safe. Notably to maintain the social distancing required and the hygiene and sanitisation of equipment. We believe that this will significantly reduce the spread of the infection and any possible suggestion that a person has caught the infection whilst on your site or doing your activity. Unfortunately, we have all come across instances where people have breached the rules whilst out and about, whether that be in public spaces or whilst shopping. The team here are available if you have any concerns or queries about Risk Assessments related to COVID 19.
Business Interruption
The FCA test case has concluded and we await the Court’s ruling. This is expected in September and we will update Members as soon as we have any further news.
Zoom meetings
Thank you to all of you who have attended the Zoom calls. These have proved popular and there are planned meetings for the following dates.
Wednesday 9th September 17.30 – Co-hosted with Sam Sutton of New Forest Activities
Wednesday 16th September 17.30 – General catch up
Please let Cath Watson know if you would like to attend on [email protected]. If you have any suggestions for other topics, then please do let us know. The Mutual is here for its Members so please tell us what you would like!
Claims
We know that many of our Members have resumed activities either fully or partially, therefore, please ensure that you notify us promptly if any accidents or incidents occur. Even where there does not appear to be any failure or negligence on your part, it is important that we can work with you to investigate and if possible head off any potential formal claim. With the financial difficulties faced by so many, unfortunately this can give rise to spurious accidents and claims as a way of seeking money. We want to protect you all against such issues, so please ask if you have any concerns or need any pointers for risk management. Our Mutual Manager, Sophia, and Account Executive, Ralph would be happy to assist with this so please contact them at [email protected] or [email protected].
If you are adhering to Government guidelines then it is unlikely that you will receive a claim that a person contracted the infection whilst on your premises, or whilst taking part in your activity. For a claim to succeed, the person would need to demonstrate that they did not contract it anywhere else. With pubs, shops and restaurants now open, we envisage that this will be more difficult to prove. Please be aware that if you do receive a claim, specifically for COVID 19 related issues, the Mutual’s supporting insurers have excluded any cover from the Public Liability section of your cover. This means that we would not deal with any claim under the Public Liability cover and you would need to defend or settle the claim yourself; the cover would not respond to provide payment of any fees or claim. We have seen this being excluded throughout the insurance industry as a result of the pandemic. Unfortunately we have been unable to change this exclusion for AIM Members.
If you do receive a complaint or allegation concerning COVID 19 related issues, please inform us in the usual way, using the contact information below. Wherever possible, we will assist you with developing a suitable response, including providing you with a template response letter.
For all incidents and claims, please contact the Claims team as follows:
Phone: 01892 888 475
Email: [email protected]
We hope that you are all keeping well and if you have any queries or concerns do get in touch. Thank you for your support of AIM.
Please join our closed Facebook group https://www.facebook.com/groups/798451153625523/
Or follow us on LinkedIn https://www.linkedin.com/company/activitiesindustrymutual/
The AIM Team
COVID 19 – Protective measures for out-of-school settings – Government Guidance
/in Covid-19/by Activities Industry MutualAs schools start to break up for the summer holidays we know many providers will be looking at what they can safely offer in terms of out of school clubs. The latest Government advice provided on 10th July 2020 gives more information about the measures required to undertake activities. This guidance is for organisations or […]
Vertex Industry Group – Re-opening Advice and Guidelines
/in Covid-19/by Bird MarketingRe-opening Advice and Guidelines
COVID 19 – Support for Businesses – Government Guidance
/in Covid-19/by Activities Industry MutualWe wanted to provide the latest Government Guidance on support for businesses. This update includes guidance for providers of outdoor facilities:-
https://www.gov.uk/government/publications/coronavirus-covid-19-guidance-on-phased-return-of-sport-and-recreation/guidance-for-providers-of-outdoor-facilities-on-the-phased-return-of-sport-and-recreation
https://www.gov.uk/government/publications/coronavirus-covid-19-guidance-on-phased-return-of-sport-and-recreation/guidance-for-the-public-on-the-phased-return-of-outdoor-sport-and-recreation?fbclid=IwAR1bZs9FLgvTWN9a5ee4EaX97pkxnNtP7verYrPX2gG3LewaVaxJ8HrNdXA
About Us
AIM was established in 2005 in response to growing demand within the sector for a cost-effective alternative to traditional insurance cover.MORE ABOUT US
Latest News
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- Surf case ruling finds in favour of activity provider5th March 2024 - 2:26 pm
Covid-19 Updates
- COVID 19 Update – NYA – Managing youth sector activities and spaces24th June 2021 - 2:40 pm
Activities Industry Mutual
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