Standard products rarely fit a center
Centers and instructors have insurance requirements that off-the-shelf commercial policies do not meet. A center is seldom only a school: hire, tours, a shop, food and sometimes beds come with it, and every one of those areas raises its own liability questions.
Working closely with the relevant associations, SüdwestRing has therefore developed a dedicated concept for watersport and outdoor centers. It covers two areas: general liability as well as property and boat insurance.
General liability insurance
A center builds its public liability cover from our module system, for every area of activity that takes place on site: instruction in and hire of sailing and motor boats, catamarans, windsurfing and kitesurfing equipment.
Modules available from us
- Third-party cover for self-employed staff, so instructors who are not employees do not need their own professional liability policy
- Personal liability of students during courses
- Liability cover for boats
- Liability cover for events and excursions
- Cover throughout Europe, worldwide cover for sailing trips. Centers outside Europe are insured at the sites named in the policy
- Further activities on request, for example towing on the water (waterskiing, banana boat, tube), bike hire or parasailing
Centers can be insured in every country except the USA and Canada. If your activity is not on the list, ask us. Most of the additions we now offer as standard started out as a question from a center.
Property and boat insurance
A storm washes your fleet ashore and destroys it, the boathouse is broken into and tools, outboard engines and most of your school equipment disappear, or a short circuit takes out the entire inventory. Our general policy replaces the patchwork of separate property policies with one contract. Damage, office and inventory cover are part of it.
Items, risks and sum insured
Insured items: school and hire vessels, windsurfing and kitesurfing equipment, rescue boats, sails and rigs, wet suits and dry suits, teaching material, tools, office and store fixtures and fittings.
Insured risks: fire, lightning, explosion, mains water, force majeure, unforeseeable emergencies, storm and hail, transport accident, collision with watercraft, burglary, theft of boats and equipment ashore and on the water.
Sum insured: for sailing boats and motor boats the current replacement value applies and is agreed as an incontestable value. For all other school equipment, fixtures and fittings the current replacement value applies for the first five years, after that the written down replacement value, again as an incontestable value.
Storage requirements
Equipment has to be kept in a building with solid walls and a solid roof, in a steel container or in a steel cage with solid bars. The contents of a cage must be screened from view by side panels, and it must not be possible to remove them by lifting them out above ground level or by digging underneath. Boats may be kept in the open and on the water.
No claims bonus and excess
A no claims bonus of up to 60% after five years, combined with an excess of €500, €1,000, €2,500 or €5,000, reduces the premium considerably. It lets you limit the cover to the major risks that would threaten the survival of your business.
We know how a center works.
Call us before the season starts. Then the policy is in place when the first courses go out on the water.