For Sport

Public sports venues reduce their insurance deals under new anti-terrorism scheme.

By Emma Drew

November 25, 2015

Public sports venues reduce their insurance deals under new anti-terrorism scheme.

The sports industry constitutes as one of the largest events sectors in the UK, generating millions of pounds in terms of investment, sponsorship and revenue. In this time of uncertainty, there are far greater disruptions besides from the perils of bad weather to consider during events.

The government’s policy on counter-terrorism states that the threat level for terrorism in the UK still currently stands at severe. Sports arenas and commercially owned public venues are at a higher risk than ever before, becoming an attractive target for terrorist activity due to the high profile nature of these events and the large number of crowds they often attract.

Sports arenas and other public venues including: shopping centres, hotels, restaurants, pubs and cinemas will benefit from the Crowded Places scheme. This is a new financial insurance initiative which has been jointly developed by the Home Office, the police and the private sector to ensure cover continues to be provided to reduce the damage caused by acts of terrorism. The scheme introduces a detailed guide to those who are responsible for the security management at public arenas to identify and keep risks to a minimum.

The insurance industry plays a prominent role in insuring many major sports events. The National Counter Terrorism Security Office have developed an assessment tool for organisations of public venues to review their security against the threat of terrorist attacks. Security measures include arranging informative briefings from the Specialist Counter Terrorism Security Advisors to venue owners and staff across the country to ensure they are prepared in the potential event of a terror attack.

Public venues who choose to comply with the Government’s Crowded Places programme will benefit financially from the scheme to reduce their insurance costs by applying for loss mitigation credit insurance, providing they improve their current risk management and security measures.

Metropolitan Police Assistant Commissioner Mark Rowley commented “This scheme is an excellent example of the police and private sectors working closely together to keep people safe from the threat of terrorism”.

More information can be found on guide on Counter terrorism protective security advice for stadia and arenas.

How we can help?

Perkins Slade can arrange event insurance against cancellation and abandonment, property damage and legal liability. Additional options include cover against adverse weather public liability and terrorism.

If you would like further advice on insuring your event, please contact your usual Perkins Slade representative.

Alternatively you can contact Andy Goulbourne, Associate Director of Sport and Recreation on 0121 698 8057 or email on

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Regular electrical inspection can help minimise the risk of accidents and ensure legal compliance.

By Emma Drew

May 29, 2015

Regular electrical inspection can help minimise the risk of accidents and ensure legal compliance.

Shocking news! 2010 figures from Electrical Safety First show that 28 people died from low voltage electrocutions and fatal electrical burns.

Six of these examples were caused by work related electrocutions and twenty two from home or leisure electrical shocks. Research showed that 2.5 million people receive a mains voltage electric shock each year.

The Electricity at Work Regulations 1989 requires that electrical installations are maintained in a safe condition and comply with BS7671. If you are a sports club or have a facility with electrical appliances it is therefore your legal duty to carry out regular testing.

Why is this service important?

An electrical inspection programme can help your club minimise the risk of accidents involving electricity. Perkins Slade has appointed Allianz Engineering, one of the leading inspection providers in the UK, to provide an electrical inspection service for Sport and Recreation clients to enable them to meet their obligations under the current legislation. Benefits include:

  • Maintaining safety for members, employees, volunteers and guests
  • Helping to prevent loss of facilities and damage to property
  • Ensuring compliance with legal responsibilities
  • Identifying defects earlier and saving money in the long term
  • Compliance with insurance policy terms and conditions.

The service includes a thorough visual inspection of the equipment, in addition to the appropriate testing. The following minor repairs are also carried out as part of the standard service including:

  • Remaking of incorrect terminations within plugs
  • Refitting damaged electrical accessories
  • Replacement of incorrect or ineffective fuses.

Prices are subject to location. General terms and conditions are (available upon request).

We can help

If you would like more information about the Perkins Slade Electrical Inspection service please contact:

Allianz Engineeringquoting reference PSAE

T: 0845 076 0146


For further information please read the Electrical Safety at Work advice


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Win 24 Slazenger tennis balls for your club

By Emma Drew

September 5, 2014

Win 24 Slazenger tennis balls for your club

We are celebrating the best of British with our Ace of Clubs competition.


The competition is brought to you by Perkins Slade and Nevett & Taylor.

To be in with a chance of winning, all you need to do is enter our monthly prize draw* and you could win 24 Slazenger tennis balls for your club.

It’s ever so simple to enter, simply provide your contact details and insurance renewal date, then submit your entry.

Also, we’d like you to tell us why your club is the best!

The entry form provides the opportunity to say why your club is great in 150 words or less. You can even upload a picture to sit alongside your comments. Subject to approval we’ll publish it on the competition page, our blog and on Twitter, Facebook and LinkedIn; a great way to showcase your club to new and existing members.

Your club doesn’t have to be the biggest or have the most courts. We simply want to celebrate what makes your club special and why you’re proud of it. That’s it!

We will contact winners directly and announce the results on the competition site.

View our winners so far



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Risky Business

By Emma Drew

April 17, 2013

Risky Business

Last year a wildlife park run by TV star Anna Ryder Richardson and her husband was ordered to pay a combined £110,000 in fines and costs.

In 2010, three-year old Gruff Davies-Hughes was treated in intensive care after suffering serious head injuries at the park, when he was hit by a tree bough blown down in strong winds. His mother suffered head injuries and fractures to her leg, pelvis and arm.

Colin MacDougall had refused to close the attraction after the incident, leading to Pembrokeshire County Council ordering its closure on the grounds of safety. In the 48 hours after the event 5 potentially dangerous trees were felled. It transpired that MacDougall had been advised of the risk of this area and failed to manage the risks posed to the public and employees at the park.

Privately held companies and their managers operate in a complex environment. However diligent, it is impossible to be truly confident of never falling foul of constantly changing law and regulation. Good governance mitigates risks, but does not eliminate them.

To protect your company, its directors, officers, senior managers and pension trustees from time consuming and potentially large legal costs brought by civil, criminal and regulatory actions we recommend you consider a suite of management liability insurances, including Directors and Officers’ Liability and Corporate Legal Liability.

Directors & Officers’ Liability insurance – what is covered?
The policy covers the defence costs and legal liability incurred in prosecutions and claims against past, present and future directors, officers and company secretaries, and their spouses, for:

  • Wrongful act, error or omission
  • Misstatement
  • Neglect
  • Breach of duty (including internet or electronic communications).

Corporate Legal Liability insurance – what is covered?
The policy covers the same as above, but for the “entity” as opposed to the individual, cover also includes:

  • Legal representation costs in investigations by the Health and Safety Executive (HSE)
  • Defence costs in prosecutions under the Corporate Manslaughter and Corporate Homicide Act 2007.

Effective risk management
The above case highlights the importance of having a robust risk management programme in place. Identifying the risk would have led to immediate action; thus avoiding the accident.

Perkins Slade have designed and developed a bespoke Risk Assessment Tool which enables organisations to better identify and manage risk. To discuss this in more detail please contact Andrew Goulbourne on 0121 698 8057 / 07854 150 059 or email

We recommend that you have a plan in place which will;

  • Identify risks early on
  • Help implement appropriate controls to manage such risks
  • Be regularly reviewed to ensure any new risks are identified and included
  • Take out relevant business insurance(s)
  • Increase staff awareness and training.

Contact us
For further information on how we can help protect your organisation please contact your usual Perkins Slade representative, alternatively contact us on 0121 698 8000 or email

Perkins Slade is authorised and regulated by the Financial Conduct Authority.

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Health and Safety Executive Fee is now up and running

By Emma Drew

April 9, 2013

Health and Safety Executive Fee is now up and running

The Health and Safety Executive (HSE) new Fee For Intervention (FFI) regime, introduced on 1st October 2012, recovers the costs of investigating and carrying out its regulatory functions from those found to be in breach of health and safety law.

There are about 844,000 premises in Great Britain, with 73,000 in Scotland where the HSE is the enforcing authority. The FFI hourly rate is £124, and the potential benefit from FFI is capped at £10 million in 2012-13, £17 million in 2013-14 and £23 million in 2014-15, with any excess going to the Treasury.

At present, the taxpayer meets the costs of the investigations. The FFI has been introduced to reduce the burden on the taxpayer and to encourage businesses and organisations to comply or put matters right immediately when they don’t.

Who does it apply to?
FFI applies to duty holders where HSE is the enforcing authority. This includes employers, self-employed people who put others (including their employees or members of the public) at risk, and some individuals acting in a capacity other than as an employee, e.g. partners.
It includes:

  • Public and limited companies;
  • General, limited and limited liability partnerships; and
  • Crown and public bodies
  • Charities, voluntary organisations, sports governing bodies and clubs are NOT exempt.

The only exemptions are with self-employed people who only put themselves at risk, and FFI will not apply where another fee is payable under separate arrangements with the HSE for that work/sector, or to those who choose to work with certain biological agents.

What impact does this have on me?
We want to highlight that fines are uninsurable and your Public Liability policy WILL NOT cover you in the event you are found to be in breach of health and safety law. Our advice is to review your policy and identify whether it includes legal expenses cover as you may be able to claim your defence costs.

We would further encourage you to keep an up-to-date and effective inspection programme, and programme of repairs to minimise any risk.

Contact us
If you would like to speak to someone in more detail about managing risk more effectively or to review your current liability policy please contact your usual Perkins Slade representative, alternatively contact us on 0121 698 8000 or email

Find out more
Click here to read the published guidance on the application of FFI
HSE will review how FFI is working after the first twelve months of operation, and within three years of the regime coming into effect.

Perkins Slade is authorised and regulated by the Financial Conduct Authority.

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Wintry hazards – are you prepared?

By Emma Drew

December 14, 2012

Wintry hazards – are you prepared?

It is hard to imagine a winter as cold as that experienced in 2011/12; it was the coldest December ever in the UK, since records began in 1910, with a mean temperature of -10C. The Met Office has warned that winter 2012/13 will be even worse, with forecasters predicting temperatures as low as -200C.

Clubs needs to be prepared and aware of their duty of care to members, staff and visitors. All occupiers have a legal duty to rid their walkways, car parks and driveways, as far as reasonably possible of snow and ice. Falls on snow or ice resulted in nearly 15,000 hospital admissions in 2010/11 according to Hospital Episode Statistics, part of the NHS information centre.

Many people worry, though, that by clearing some snow they are creating a larger liability for themselves than if they’d left the snow – this just isn’t the case. Do not be put off clearing paths because you are afraid someone will get injured. Remember, people walking on snow and ice have a responsibility to be careful themselves and it’s unlikely you’ll be sued or held legally responsible for any injuries if you have cleared the path carefully.

With many members keen to keep up their training and participation throughout the winter, clubs must be aware that they have a duty to rid their walkways, car parks and driveways, as far as reasonably possible, of obstructions and potential hazards caused by snow or ice.

Here are our key points of preventing winter accidents, in accordance with recently issued guidance from the HSE: 

  • Identify all the areas used by pedestrians and employees most likely to be affected, including walkways and/or car parks
  • Suitably treat identified areas with grit and/or salt
  • Monitor temperatures and weather forecasts as prevention is key
  • Put up signage warning visitors that snow and ice is a hazard, however it must be noted that this alone is not sufficient prevention
  • Lack of knowledge or delay will not be a defence
  • Ensure all areas are adequately lit
  • Introduce non-slip, water absorbing mats at entrances to the building(s) that are sufficient to dry shoes.
Other key factors to consider are; lighting, wet and decaying leaves and rain water.
For more information please visit the HSE website.

If you would like to discuss your sports liability insurance and/or risk management needs, please call your usual Perkins Slade contact, alternatively  telephone 0121 698 8000 or email

Perkins Slade is authorised and regulated by the Financial Services Authority

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