News
Insurance for gyms and sports centres
By John Healy of Healy Insurances
The most suitable insurer and product will depend on the size and activities of the gym or sports centre.
Ordinarily the types of covers would include:
Material damage cover for buildings, fixtures and fittings, machinery and other assets that your business owns. Covers will include fire, flood, and escape of water, theft, and storm among other perils. Cover extensions are available such as fire brigade charges, signage and goods in transit.
Employers, Public and Products Liability
All gym and sports centre policies should include liability cover. Employer’s Liability is covered up to a maximum of €13 million and can be based on employee numbers and/or wages. Public Liability can be selected within a range of €1.3 million to €6.5 million and covers your legal liability in the event that you are negligent and required to pay compensation for bodily injuries or damage to third party property. Projected turnover will determine the rate charged. Products Liability provides cover if a third party is injured by a product that you have sold.
Business Interruption covers consequential loss of gross profits following an insured event such as a fire. It is important to review your gross profits sum insured on an annual basis.
Professional Indemnity Insurance provides cover for claims against you or your company for the financial consequences of negligent acts, errors, omissions or breaches by you or your company when providing a professional service. If you advise others then you may be exposed to claims for breach of your professional duty of care.
Other covers can include glass breakage, cyber insurance, personal accident and many more.
A robust risk management structure can achieve more attractive rates and should include annual health and safety statement reviews, fire safety procedures, CCTV usage and risk assessments.
Your policy should be tailored to your individual needs, so it pays to get expert advice from professionals who take the time to understand your business.
News
Massive Park Road housing development given green light
A private developer has been given planning permission to build 249 new residential units at Upper Park Road. The development, which will be built on a recently cleared site near […]
A private developer has been given planning permission to build 249 new residential units at Upper Park Road.
The development, which will be built on a recently cleared site near An Post’s sorting office, will include a variety of properties from five-bed houses to single apartments, along with a crèche and over 500 car spaces and over 300 bike spaces.
The development has been welcomed by local councillor Martin Grady.
“Killarney has a massive housing shortage so this is very positive. It will retain young families in the area, stimulating economic growth,” he said. “After 17 years of different planning applications it’s finally coming to fruition.”
News
Ballydribeen residents living in fear due to anti-social behaviour
Residents in the Ballydribeen are living in fear as a result of increased anti-social behaviour in the estate. Several serious incidents in the estate have resulted in several Garda visits […]
Residents in the Ballydribeen are living in fear as a result of increased anti-social behaviour in the estate.
Several serious incidents in the estate have resulted in several Garda visits in the last week.
Local councillor Martin Grady told the Killarney Advertiser that residents are “living in fear” as a result of very serious incidents in the last week alone.
One house in the estate was badly damaged when fire crackers were placed inside a letter box.
Another house had its windows smashed in over the weekend.
“It’s a major problem,” added Grady after meeting residents there earlier this week.
One of the most serious incidents occurred on Tuesday night.
A passing motorists had rocks thrown at his car while driving along the bypass whch is adjacent to the estate.
Taking to social media, local primary-school teacher Pádraig O’Sullivan posted:
“Travelling home tonight, at 11.05pm on the Killarney side of the bypass our car was hit by a rock – not a pebble – from the Ballydribben side , which hit the passenger door.
“It was centimetres away from hitting the window where my father, who is visually impaired, was sitting.
“This could have caused catastrophic permanent injury to him.
“The Killarney Garda were on the scene within three minutes.
“They can’t be patrolling the bypass all night.
“It comes down to parenting. You should know where your children are at this hour and be able to teach them what’s funny and what ruin a person’s life or cause a fatal crash.“
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