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Insurance for gyms and sports centres

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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.

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Killarney centre stage for Pride Festival

The award-winning Kingdom Pride in Kerry festival is back next week and Killarney will take centre stage. Kingdom Pride will be celebrated in towns all across the county from July […]

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The award-winning Kingdom Pride in Kerry festival is back next week and Killarney will take centre stage.

Kingdom Pride will be celebrated in towns all across the county from July 17 to 21.

The organisation’s flagship Party in the Park event will be held again in Killarney House and Gardens, following the Pride march in the town centre on July 20.

This year, in solidarity with the people of Palestine, Kingdom Pride in Kerry is inviting the people of Kerry to come to show their unity by bringing Palestinian flags and kites to the march, and to the Party in the Park.

“Pride is a protest for human rights all over the world. Here in the Kingdom, we have been so lucky to receive tremendous community support from our allies and supporters, and we see the struggle for liberation of all peoples as a united cause,” said Daniel Quirke, chairperson of the organising committee.

“Our events have always welcomed everyone, regardless of gender, orientation, religion, or nationality. We truly believe that together we can create positive change through caring for and loving one another. This year is no exception, and we look forward to helping to highlight the Palestinian cause, and to bringing people together to keep generating positive change for all people.”

Events will take place in Cahersiveen, Listowel, Killorglin, Tralee and Dingle, and include an Irish comedy night with Áine Gallagher, an Irish-language movie screening, yoga, sea swimming, poetry and storytelling, bowling, pitch and putt, a lively drag night at the INEC, and plenty more for people of all ages.

“We do our best to keep tickets as low-cost as possible, and we have lots of events that are totally free to attend. It is important to us that people can share Pride with us, regardless of income. Especially with the rise of the cost of living putting a strain on people’s pockets.” added the chairperson.

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A weekend of Live Music, Fun and Entertainment, at FleskFest 2024

The organisers of the annual FleskFest have “a tremendous line-up, with a weekend full of entertainment to suit all” for the July 18 to 20 event. “It promises to be […]

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The organisers of the annual FleskFest have “a tremendous line-up, with a weekend full of entertainment to suit all” for the July 18 to 20 event.

“It promises to be the festival weekend of the summer, an event you don’t want to miss out on. Last year’s Festival was a fantastic memorable experience for our community, a time to get together and celebrate,” said festival PRO Seán Daly.

Organised by Glenflesk GAA, FleskFest 24 will take place at the Barraduff Community Field next week.
There will be a fully licensed bar in the Fest Marquee, some amazing live music on The Big Stage, food trucks and much more.
Glenflesk GAA club’s biggest fundraiser of the year includes a new-for-2024 Texas Holdem Poker Tournament on Thursday night.
Weekend highlights include old-time waltzing, jiving and polka sets with Paudie McAuliffe and Paudie Coffey Band on Friday,
On Saturday, the new Well Flesk event will take place.
“A morning of self-care and wellness at Flesk Fest featuring masterclasses in yoga, pilates, mindfulness, spinning, fitness sessions, workouts, firewood sauna and ice pods with a range of experienced and qualified instructors,” added Daly.
Leading local musician Johnny Courtney and Friends, Sam and Ina, The O’Donoghue Sisters, Reigning All Ireland Champions Glenflesk Ballad Group, and The Border Boys will take to the Big Stage over the weekend.
Sunday is Family Fun Day with children’s entertainment and disco and the All-Ireland Hurling Final Live on the Big screen followed by music with Thingamajig.
The festival will finish with a Sunday evening session with the Meadhbh Walsh Band.

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