24 | issue 40 | Indoor Play

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s part of our longstanding commitment to the indoor play sector, Morton Michel’s IndoorPlay insurance policy has been extensively enhanced. From August 2016, it

will include a wide range of additional cover, specially designed to protect your indoor play business. This revamp has been driven by our award-winning expertise; we are specialists in the childcare insurance industry and have over fifty years’ experience. We recognise the unique and valuable role that indoor-play businesses play in the sector and have designed our insurance package to help you meet the challenges you face in this fast-paced, competitive environment.

Any indoor-play business needs to be built on steady foundations. In order to innovate at the pace necessary to survive and thrive you need to know that as well as meeting your regular responsibilities you can cope with any unexpected difficulties that arise. Taking out a comprehensive insurance policy to cover these instances can make all the difference. Of course the nature of a children’s indoor play area means public and products liability insurance is a given to protect children and parents in the event of accident or injury. Employer’s liability insurance too is a legal requirement if you have staff. Both of these are included as standard in Morton Michel’s IndoorPlay policy, but the cover provided goes further, to account for the extra risks your business may face.

Children’s indoor-play centres are all about providing a unique environment that is both attractive and safe for your customers. At Morton Michel we understand that can come with some unique risks. Damage both to your specialised contents and the general fabric of the building or utilities can have a particularly severe impact on your business. It is important that you can trust your insurance policy to cover these possible eventualities. Our IndoorPlay policy includes extensive contents and buildings cover that doesn’t miss the details. If your keys are stolen, you can claim the cost of replacing locks for up to £2,500. If you need to call the fire brigade and they damage landscaped grounds, you can claim up to £50,000 for reinstating them. If you reasonably incur additional costs complying with statutory regulations following damage to trade contents, you can claim up to 20% of the sum insured – to a limit of £500,000. There are many more examples, but the message is clear; a detailed, specialist insurance policy gives your business the best chance of maintaining continuity and recovering from misfortune.

Not all problems an indoor-play centre faces are physical. In today’s increasingly litigious world, there are legal pitfalls around every corner. It is all too easy for a business defending its interests to become embroiled in a tangle of regulation and litigation. Morton Michel’s IndoorPlay policy includes legal expenses

Morton Michel is delighted to announce that your IndoorPlay policy has been substantially improved, making the cover even more comprehensive for children’s indoor play centres

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insurance provided by DAS Law Ltd that not only gives you access to high quality legal advice and representation but also mitigates the impact that litigation can have on your business. With our enhanced package, the lower limits of indemnity have been removed for Health and Safety, Consumer Protection and aspect enquiries. Costs and expenses for tenancy disputes between you and your landlord are also now covered. We have also increased the compensation you can claim for your employees having to attend court from £100 to £250 a day. These new enhancements are designed to help meet the legal challenges children’s indoor-play centres may encounter.

Insurance is not just about business continuity and recovery, it is also about giving you the space to build and expand. Keeping ahead of the game means getting your name recognised. It also means finding out about the latest innovations and taking advantage of them before the competition. Morton Michel’s IndoorPlay policy helps you to do this. Publishing an in-house magazine, or even a blog on a website, can be great for making industry connections but hard-hitting articles may risk actions for slander or libel. To protect you, IndoorPlay includes cover for up to £25,000 liability for statements made in good faith. If you want to generate ideas and make connections face to face at exhibitions, IndoorPlay covers up to £50,000 for damage to Business Contents anywhere within the EU. Of course every indoor-play business is different and at Morton Michel, our breadth of experience as specialist brokers to the childcare industry means that when you take out a policy with us, we can tailor it to your specific needs. We do not use call centres, so you will be looked after by one of our dedicated team of experts and as we keep our awareness of the sector up to the minute, you can be confident we will ask the right questions and offer the cover that’s right for you. We also offer payment by convenient interest free direct debit instalments, and if you have a recognised independent safety inspection, we’ll give you £200 off your first annual premium. What’s more all of our policyholders are automatically enrolled into our ChildCare Club, which includes a wide range of benefits and discounts across a huge range of products and services for you and your business. Ultimately, your business relationships, whether they are with parents and customers or others in your supply chain, are always built on trust. Parents may still be responsible for their children on your premises, but they need to know that you have taken your legal obligations seriously. Suppliers can offer you more favourable terms when they know your business is managed responsibly. Across the business world, being properly insured is respected as a mark of professionalism and quality of service. We are proud of our relationship with the indoor-play sector and with our new enhanced cover we look forward to supporting your business for years to come.

New and Improved IndoorPlay Insurance policy!

ContactEmail: indoorplay@mortonmichel.comTel: 020 3824 8476Web: www.mortonmichel.com/IndoorPlay