Supercover Insurance Policy Summary's

Supercover Insurance For Sports and Social Clubs

• All Risks cover including subsidence and full theft
• Damage to Greens, Tees, Trees and Playing Surfaces
• Damage to Walls, Gates and Fences £50,000
• Club Trophies, Pictures, Works of Art, Club Shields, Medals, Memorabilia and Honour Boards
• Employers Liability limit £10,000,000 MORE...

Supercover Insurance For Clubs

• Available on an "All Risks" basis
• Subsidence is available in most cases
• Underground Services
• Theft damage to buildings
• Personal effects of any one customer, guest or employee (up to £1,000) MORE...

Supercover Insurance For Pubs

• Temporary removal of contents for cleaning, renovation, repair or similar purposes up to a limit of 20% of the sum insured
• Outside catering (up to a limit of £1,000 any one claim)
• Cost of replacing locks following loss of keys, by theft or robbery (up to £1,000)
• Seasonal Increases for Stock
• Removal of debris MORE...

Supercover Insurance For The Licensed Trade

The cover extends to include:
• Property in Transit up to £2,500
• Seasonal Increase of 50% for stock
• Loss of keys if stolen from the premises up to £1,000 MORE...

Supercover Insurance Summary For Clubs

• Damage to moveable property in the open by theft, wind, rain, hail, sleet, snow, flood, dust
• Changes in the water table
• Coastal/River Erosion (if subsidence is included)
• The first part of any claim (your excess) MORE...

Types of licensed trade insurance policies provided by Supercover

Our facilities allows us to place business on cover, at competitive rates under our bespoke “Public House”, “Club” and “Hotel” policy wordings.

Our covers are far wider than those of many of our competitors, and offer many in-built features to protect you in eventualities over-looked,
or ignored by others:

Automatic “all risks” cover, which means that (with the exception of a small list of exclusions) any sudden damage occurring to your property is covered by the insurance.

Cover on a reinstatement “new for old” basis.

Business Interruption cover with a three year indemnity period, protecting your gross profit in the event of damage, automatically included at no additional cost.

Benefits for injuries sustained by staff as a result of assault by a member of the public during the course of trade, also automatically included.

Cover for Business Money losses.

Comprehensive Public and Employers’ Liability covers for your liabilities to staff, employees, and third parties.

Frozen food deterioration cover.

Loss of licence cover.

Commercial Legal Protection cover, protecting you against the cost of representing yourselves in the event of employee dispute (often featuring trade union involvement).

Long Term agreements allowing further discounts upon the premium rates offered.

Our “Public House” cover also offers by optional extension:

Household Contents cover for premises with residential quarters.

Personal Accident cover for all staff.

Our “Club” cover similarly offers:

Fidelity Guarantee cover, to protect clubs from dishonesty of staff entrusted with access to money and stock.

Personal Accident cover for nominated individuals and club Committee Members.

Engineering cover for machinery such as lifts.

Because of the strength of our relationship with our insurers, and our access to other markets, we can also offer cover for other standard and non-standard commercial risks. Please contact our staff, and we will obtain terms, wherever available, upon request.