Insurance for visitor attractions

If you own your buildings or are responsible for them under maintenance agreements, you may need buildings insurance. This can include listed buildings. You can also add contents insurance for items in and outside of the property.

This liability cover protects your business and its people for legal fees and compensation claims if someone (such as a visitor) is injured, or their property is damaged due to your organisation.

Unexpected events, like fires or floods, can stop a business from operating. This can cover lost revenue and additional costs (for a specific period of time), to help you get back on track.

If you lose your entertainment licence, or your licence to sell alcohol through no fault of your own, this helps to protect you for the financial loss.

This is important insurance if you want to protect company directors, senior managers, and officers of charities, boards and committees. It provides cover for negligence claims brought against them in court or at an employment tribunal.

This covers the cost of compensating clients or customers for loss or damage due to negligent services or advice your organisation has provided.

If you employ people, even as part-time or casual labour, you need employers’ liability insurance by law. This covers the cost of a claim if an employee or volunteer becomes injured or ill through their work and makes a claim against your charity. 

Without it, you could face large fines, uninsured claims, and potential damage to your reputation.

This cover can address the impact of these events on the victims and the organisation affected. Policies offer cover for a variety of costs after an incident, including victim support services and crisis response.

Cyber-crime is on the increase in the UK. Your organisation (and your reputation) could be severely affected if your data or network is compromised.

Cyber insurance protects you financially (and your reputation) if data breaches, malicious cyber hacks, or other data security threats happen. It covers costs associated with these events, including IT forensics and loss of income.

It can also cover third-party liability, if you’re sued for causing a data breach through mistakes or oversights.