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Stadium Insurance

Stadium insurance cover is vital – it is your responsibility to ensure that whoever attends an event whether of a sporting nature or some other occasion that draws large crowds, should something go wrong.

A stadium is a public place where events take place, therefore the right kind of insurance is not only essential, but the right amount of cover is really important. It is no good taking out public indemnity insurance or liability insurance combined with commercial insurance to find at the end of the day that you have short-changed yourself. It is always a good idea to insure commercial buildings at the correct amount – underinsuring or over-insuring is just not prudent.

Whether you are taking out cover in the event of a fire breaking out, mob violence disrupting the affair, and in some unfortunate instances where there have been stampedes resulting in the death of numerous patrons, it cannot be stressed strongly enough that when taking out liability cover should something of this nature happen at your stadium, that the insurance will be more than sufficient in addition to being able to cover all claims and costs that will invariably have to be paid out.

Indemnity insurance will obviously play an important role here – this type of cover needs to be overseen by experts in this field.

Other insurance that will cover a stadium will include commercial cover as a stadium is in actuality a commercial building like any other, although a public place, where business is conducted.

Business property insurance, otherwise known as commercial property insurance has to be sufficient to rebuild any structure, regardless if it is an office park office buildingor stadium, as well as replace all fixtures and fittings at current costs.

It is advisable to review your property changes and structures on an annual basis to upgrade your insurance premiums – take all upgrades into the equation which includes all fixtures, safety and fire preventative measure, chairs and anything else that has an effect on the valuation of the actual physical structure.

In other words it is important to adjust your stadium insurance coverage accordingly every year.

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