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Property Programmes

Our QBE Leisure & Sport can offer the appropriate property coverage on the entire range of leisure, sport and entertainment risks from the amateur sports club or amusement arcade, through to the largest theme park or nightclub chain.

The property account offers the following covers:

• Book debts
  Covers the outstanding debt balances due to damage to insured books of account following the operation of an insured peril.
• Business interruption
  Loss of profits or revenue following the operation of an insured peril.
  Frozen foods
  Covers the deterioration following breakdown.
• Glass
  Covers the breakage of glass.
  Goods in transit
  Loss or damage to insured property whilst in own or carriers vehicles.
• Loss of licence
  Covers the value in premises following forfeiture, revocation or refusal to renew a liquor licence as a result of a cause outside the insured's control.
• Material loss or damage
  This section covers buildings, loss of rent (receivable or payable), fixtures and fittings, machinery and plant, stock and contents, against accidental loss or damage.
• Money
  From premises or whilst in transit.
• Theft
  As a result of violent or forcible entry or exit.

Business Targeted

Through our select panel of brokers, we provide property programmes to a number of leisure, sport and entertainment establishments based within the United Kingdom and Eire. A wide range of businesses can be considered, with emphasis placed upon well-managed, risk-aware clients paying annual premiums in excess of GBP 25,000.

Underwriting Criteria

To assess a potential property risk, underwriters will require sight of the following information:

• Past loss experience
• Current premium paid
  Required perils
• Any bespoke requirements
• Physical security arrangements
• Risk management procedures
• Fire protections
• Sums to be insured
• Construction details

Policy Details

Given the diversity of sport, leisure and entertainment properties, risks are assessed on their own merits. For example, a theme park has characteristics completely different from a small amusement arcade. All property policies are for a maximum 12-month period and are backed by risk management solutions.

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