Sport. Classic Golf prospectus. Specialist insurance and risk management for golf clubs. Underwritten by

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1 Sport Classic Golf prospectus Specialist insurance and risk management for golf clubs Underwritten by

2 Golf club insurance with a difference We have for many years specialised in arranging insurance solutions for the UK golf industry and a number of its leading players. Classic Golf We offer professional insurance and risk management advice to the world of golf. Our clients include some of the world s top professional golfers and we also provide our services to an ever increasing number of golf clubs across the UK. With our successful background in sport, and a particular passion for golf, we have taken our knowledge and expertise one step further. We have joined forces with Aviva, ACE Europe, ARAG, Aviva Engineering and the National Golf Club Advisory Association (NGCAA) to provide an exclusive golf club insurance package - Classic Golf. Classic Golf offers our clients: expert insurance advice a first class insurance package health & safety advice legal advice 24/7 dedicated claims line 5% premium discount to NGCAA members. Our commitment to you We recognise that no two clubs are the same. We always take time to identify the full extent of our clients insurance needs. Our approach allows us to produce bespoke risk management and insurance programmes to suit. Providing a high level of service has always been an obsession so we will keep in touch at regular intervals throughout the year to help with any required policy adjustments, renewals or claims.

3 Risk management We are firm believers in good risk management. Even the most conscientious golf club owner can benefit from reappraising their procedures from time to time. If clubs support this then it is usually reflected in claims experience which in turn can lead to lower insurance costs. It is for this reason that we have a close relationship with both Aviva Risk Management Services (ARMS) and the NGCAA. ARMS can provide Classic Golf policyholders with an exclusive, dedicated service to help manage their risks. It can also offer access to a wide range of training and consultancy services including generous discounts from a menu of products and services. About Bluefin Sport Bluefin Sport is a specialist division focusing on the provision of risk management and insurance advice to the sports, entertainment and leisure industries. We act for numerous sport and leisure businesses, bodies and many high profile sports men and women. We are of a size that allows us to care for the specific requirements of the clients we serve and offer a range of services and negotiating skills which means that the package of protection and advice is second to none. We also bring a particular and lasting focus to the cost of insurance where our purchasing power means that our clients enjoy first class protection at a very competitive cost. In addition to this, if you are a member of the NGCAA then you are eligible to receive a 5% premium discount on our Classic Golf products. We take time to identify the full extent of your insurance needs

4 Classic Golf offers more than you would expect The policy is written on an All Risks basis and whilst this does not cover every eventuality it does afford the policyholder a much wider degree of protection. The standard policy includes: All Risks cover including subsidence. Reinstatement (new for old) cover including plant and machinery Automatic inflation protection for buildings and contents. Public, products and employers liability, Cancellation and abandonment of club competitions and other championship events. Seasonal increase for stock items. Reimbursement of subscriptions up to 750 per member. Personal accident and business travel. Pro shop stock (based on insurable interest). Non-negligent third party property damage caused by members, visitors and guests, Irrigation systems, Cups, trophies, pictures, club shields, medals, honours boards, memorabilia anywhere in the UK, (subject to conditions). Theft of machinery in the open. Theft cover that is not subject to forcible and violent entry or exit. Legal, medical, tax, stress support, emergency claims and loss adjusters help lines. Business interruption (minimum 24 months indemnity period). Public utilities failure gas,water electricity and telecommunications. Prevention of access. Contract Works. Glass. Computers and electronic equipment Money and assault. Goods in transit. Trace and access reasonable costs incurred in locating actual source and damage.

5 Inclusive specialist covers: Underground services. Removal of wasp/bees nests. Capital additions purchased through the renewal period without charge. Damage caused by change in temperature. Cancellation weddings/receptions. Costs of compulsory course alterations. Damage of course and garden furniture. Damage/Loss to customers goods. On site employees alternative accommodation. Falling trees removal. Refilling/recharging of fire and security equipment. Full cover for Hired in Equipment. Damage to lamps, signs and nameplates. Damage to property in the open (including golf buggies and course maintenance equipment). Professional fees following reinstatement as a result of damage. Property at fund raising and catering events. Damage to raffle prizes and donations. Costs of changing locks following loss of keys by theft or attempted theft. Hiring of alternative freezing space. Loss of attraction. Loss of essential personnel due to death or disablement. Damage to employees and visitors personal belongings. Classic Golf policy limits: 200,000 for damage to greens, fairways, tees, trees and plants including green keeper error. 50,000 for damage to walls, gates, fences, bridges and car parks. 25,000 for theft of course and garden furniture ( 1,000 any one item). 25,000 for damage to landscaped gardens by emergency services. 100,000 for contract works (existing structures and extensions). 5,000 for frost damage to clubhouse and outbuildings 35,000 loss of metered water. 10,000,000 employers liability. 5,000,000 public liability including liability of members, guests and green fee players. 5,000,000 products liability. 20,000/ 250 per week for personal accident for club officials and employees. 100,000 (or higher legal expenses insurance available) from the Arag Group. 5,000 for refrigerated stock. 50,000 for realignments of greens and tees (Heatlh & Safety reasons). 100,000 for loss of licence. 100,000 for book debts. 100,000 for employee dishonesty. 10,000 for exhibition cover (up to 7 days). Please note that as this is a summary of cover not all the policy benefits and limits are expressed in full. A summary of the policy terms, conditions and exclusions will be provided as part of a detailed insurance quotation. Full terms, conditions and exclusions are shown in the policy document, a copy of which is available on request Our policy provides protection for the assets of the club and for financial protection should a major catastrophe occur.

6 A wide range of cover and options to suit Cover options and additional services Directors and Officers insurance (including Employment Practices Liability cover). Third party motor for golf buggies and motorised course maintenance equipment not registered for road use. Terrorism. Employee dishonesty. Legal expenses. Special type motor vehicles. Loss of licence. Engineering insurance and inspection. Hole in one - competitions only. ( 300 limit). Property valuations. Discounts on security and fire protection products via Aviva Risk Services. Claims service a 24-hour, 365 days a year claims line providing you with emergency assistance. Legal and tax helpline for advice on legal and tax matters. Risk solution helpline for advice on safety, fire security and other issues that effect your club. Aviva Risk Management Solutions (ARMS) A dedicated service to help UK businesses manage their risks helping to keep them compliant, prevent loss and ultimately control cost. ARMS offer a wide range of training and consultancy services from simple, cost effective e-training through to bespoke on-site consultancy. Generous discounts off a menu of products and services to help prevent accidents and losses occurring and protect businesses via the Preferred Supplier Network. For more information visit yourbusiness/risk-management Discounted rates on Thermal Imaging surveys A non-invasive way of identifying minor and major faults. An efficient complement to a full electrical testing programme. Can identify faults before equipment fails and helps manage production downtime and keeps business disruption to a minimum. Additionally, thermal imaging surveys can be utilised to identify leaks, burst pipes, check seals on cold stores and even check the energy efficiency of buildings. Counselling service helplines confidential service available to your staff to help deal with personal issues such as bereavement. Cut Red Tape A one-stop website to help our Golf Club customers overcome the burden of red-tape. Available exclusively to Aviva commercial policyholders. Provides advice and information for Finance, Sales and Marketing, Employment Law, Legal advice, Risk Management and much more. Accessible 24 hours a day, 365 days a year. Visit

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8 bluefinsport.co.uk Sport Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London EC2N 1AD. Registered in England No: