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COVID 19 – Latest Update

Supporting 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 info@activitiesindustrymutual.co.uk 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 cathy.watson@rmml.com.  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 sophia.reed@rmml.com or ralph.doe@rmml.com.

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: Richard.izzard@rmml.com   

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

 

Managing Risk – MS Amlin talk activities

Our supporting insurer MS Amlin came to our Member Day at Lord’s in March.  Mandy Maris their Risk Engineer went through a presentation on some top tips regarding managing risk within the activities and leisure industry.

Most members will not be familiar with how MS Amlin supports the mutual so this was a great opportunity to explain our relationship.  The benefits of effective good risk management theory and the relationship between accident investigation and claims.

Details of the presentation are included here for recap.  For members who weren’t able to attend the member day this is a fraction of the content from the day but hopefully gives you some insight into what is on offer at our events.  We really hope to see some of you at our next member days.  Look out for invitations which will appear in your inboxes or on social media.

You can read all about the last AIM member events here:-

https://www.activitiesindustrymutual.co.uk/events/lords-cricket-ground-2019/

 

 

 

 

Thrills and Unfortunate Spills – Clyde & Co

Our colleagues at Clyde & Co have put together a round up of recent personal injury cases affecting the activities industry. This article demonstrates that recent case law is positive for the activities industry but that businesses can always protect themselves further.