Helpline: 0208 256 1929

Specially negotiated for Club Owners & Member"s Clubs by
COUNTY INSURANCE SERVICES (SCHEMES)

 


All Clubguard Policies are subject to:-

MEMORANDUM 1 - 3 year Long Term Agreement -
The agreement is with County Insurance Services (Schemes) and the underwriting company detailed in the quote and the policy documentation

MEMORANDUM 3 - Physical Protections Warranty -
It is hereby noted and agreed that the following protections will be in actual and complete operation whenever the Premises are left unattended:
Doors
In respect of all external doors (including wicket gates) and internal doors leading to other premises or part of premises not occupied by the insured.
Timber and Steel Doors
To be secured by either
(i) a mortice deadlock conforming to BS3621 together with a compatible boxed striking plate
or
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar
or (for doors other than final exit)
(iii) two key operated security bolts for doors one fitted approximately 300mm from the top of the door and the other approximately 300mm from the bottom.
Aluminium and UPVC Doors
To be secured by a cylinder operated mortice deadlock or deadlocking multi-point locking system.
Roller Shutter Doors
To be secured by either
(i) two cylinder operated shutter locks with one lock fitted at each end of the shutter
or
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar.
Horizontal Sliding or Folding Doors
To be secured by either
(i) a hook bolt mortice deadlock
or
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar
Double Leaf Doors
The final closing leaf to be secured by the appropriate locks as detailed above the first closing leaf to be secured by flush bolts or key operated security bolts top and bottom throwing into the framework and sill.
Outward Opening Doors (applicable to timber and steel doors only)
In addition to the appropriate locks and bolts detailed above each outward opening door to be fitted with hinge bolts top and bottom.
The above requirements do not apply to any door officially designated as a fire exit by the fire authority other than security for outward opening doors.
Windows
Each ground floor and basement opening window or skylight and other window or skylight accessible from decks roofs balconies canopies fire escapes or downpipes to be secured by a key operated lock fitted independently of the existing fastener unless the lock forms part of the original fastener design.

This requirement does not apply to any window or skylight which is either
(i) protected by solid steel bars grilles lockable gates expanded metal or weld-mesh
or
(ii) officially designated as a fire exit by the fire authority

MEMORANDUM 5 - Premises Inspection Warranty -
It is warranted that an examination of the buildings for smouldering matches, tobacco or other material be carried out at the close of each day the building are in use for business purposes and that signed reports be made daily by an employee or employees detailed to make the examination and for such reports to be checked at least once a week by the management, or where no employees, the aforementioned to be carried out by an Authorised Member(s) as agreed by the Insured or by the committee.

MEMORANDUM 6 - Frying and Cooking Equipment Warranty -
It is warranted that:
i)all frying and cooking equipment including flues and exhaust ducting shall be securely fixed and free from contact with combustible materials
ii)all flues, exhaust ducting, grease traps and filters shall be cleaned at least once a month.

MEMORANDUM 7 - Snooker/Billiard/Pool Table Clause -
The Insurance by this Policy excludes loss of or damage to Billiard/ Snooker tables caused by
i)the use of heated irons
ii)sparks, lighted or burning matter from

  1. smoking materials,
  2. lamps or their shades
iii)a cue or rest

MEMORANDUM 11 - Flat Roof Inspection Warranty -
It is warranted that any flat roof area of the Insured Premises is inspected annually by a competent person and written details of its condition logged within the Insured's records and any damaged or worn areas to be made good within 30 days of the damage or worn areas being noticed.

MEMORANDUM 13 - Section F Public and Products Liability - SAUNA, SUNBEDS, SOLARIUMS, TURKISH BATHS, HYDRO MASSAGE FACILITIES Condition -
In connection with the provision of sauna, Turkish bath or hydro massage facilities provided it is a condition precedent to liability that

  1. all surfaces subject to damp or wet conditions have non-slip floor surfaces
  2. instructions are given to customers as to the method of safe use of the facilities
  3. the facilities are under regular supervision by a responsible trained person who shall be on the premises continuously while the facilities are in use and/or
in connection with the provision of ultra-violet or infra-red treatment facilities provided that
  1. such equipment is inspected at least annually by a qualified electrical engineer
  2. full instructions are given to the customer as to the method of safe use of the equipment including the need to limit exposure time and where the equipment releases ultra-violet rays, the need to wear suitable eye protection and avoid the use of body lotion
  3. the equipment is under regular supervision by a responsible trained person who shall be on the premises continuously while the equipment is in use
  4. before embarking on treatment involving ultra-violet rays whether from sun-beds or solaria or other devices, customers will be asked to sign a declaration to the effect that they
    1. are not in an advanced state of pregnancy
    2. they do not suffer from high/low blood pressure or any circulation disorder
    3. do not have any skin allergies.
    4. are not taking tranquillisers or antibiotics or anti-tubercular drugs or any anti-fungal agents or any anti-depressants
and if they cannot sign such a declaration they will be required to produce a medical certificate stating that they are not abnormally susceptible to the effects of sun treatment.

MEMORANDUM 16 - Construction Memorandum -
It is hereby noted and agreed that the building(s) construction is as detailed in the proposal form which is lodged with insurers

MEMORANDUM 17 - Professional Treatment Risk Memorandum -
Section F - Public & Products Liability includes the following but only if the treatment (s) has been disclosed to the Company and the appropriate additional premium paid:-
1. Barber In respect of washing, styling, cutting and drying of hair.
2. Hairdresser In respect of
(a) tinting, dyeing, bleaching, permanent waving or special treatment of hair (b) eyebrow and eyelash plucking, shaping and tinting (c) cutting and shaping of nails including the application of acrylic coatings (d) ear piercing by the 'gun and stud' method
3. Beautician
In respect of (a) cosmetics (b) facial masks including ionisation and steaming treatments (c) hair removal preparations other than electrolysis.
4. Electro-Mechanical Slimming Treatments
In connection with the provision of electro-mechanical slimming treatments provided that the equipment (a) is inspected at least annually by a qualified electrical engineer and full instructions are given to customers as to the method of safe use of the facilities. (b) Is under regular supervision by a responsible trained person who shall be on the premises continuously while the equipment is in use.
5. Hair Removal by Electrolysis
In connection with hair removal by electrolysis provided that (a) such electrolysis equipment is inspected at least annually by a qualified electrical engineer (b) the electrolysis equipment is operated by a trained person(s) who is named on the Schedule.
6. Additional Treatments
In connection with the Additional Treatment(s) and person(s) specified in the schedule.

MEMORANDUM 18 - Bonfire and Firework Displays Warranty - The following safety standards must be complied with, any variance must be agreed with the Company:-

Firework Safety

  1. Fireworks are kept in a closed metal box and taken out one at a time.
  2. The instructions on each firework are followed carefully. They should be read by torchlight - never a naked flame.
  3. Pets are kept indoors.
  4. Fireworks are lit at arm's length using a safety firework lighter or fuse wick.
  5. Organisers retreat quickly after lighting and stand well back.
  6. Organisers never go back to a firework once lit - as it may still be live and could go off in their face.
  7. Fireworks are not thrown, kept in pockets or played with.
  8. Used fireworks are collected after the display with the utmost care, doused with water and either buried or placed in a metal bucket.
  9. Children are not allowed to collect used fireworks.
Bonfire Safety
  1. Bonfires are lit away from houses, garages, sheds, trees, fences and overhead cables and not closer than 30 metres.
  2. Bonfires should be kept well away from the fireworks display.
  3. Dangerous rubbish, such as foam filled furniture, aerosols, tins of paint and bottles, should not be burnt.
  4. Bonfires should be stable so as not to fall to one side.
  5. Flammable liquids, such as paraffin or petrol, should not be used to light the bonfire: use firelighters.
  6. Hoses, fire extinguishers or buckets of water should be nearby in case of an emergency.
  7. People should be kept a safe distance away from the fire by setting up a rope cordon. Children should be kept under careful supervision at all times.
  8. Water should be poured on the bonfire embers to ensure that they have gone out completely before the site is left.
  9. It is hereby understood and agreed that the Insured's legal liability in respect of bonfire and firework displays is limited to any club member, Employee of The Insured or any guest of any club member or Employee of the Insured and specifically excludes legal liability to members of the public attending the event, whether or not any payment for entry is made, who is not a guest of any club member or Employee of The Insured.
General Safety for Public Displays
  1. Before setting up your event, the local fire brigade, police and first aid association should be informed.
  2. A drill should be prepared for calling out the emergency services.
  3. There should be plenty of space. Spectators should be kept preferably 50m, but no less than 22m, away from a firework display.
  4. A rope or strong barrier should clearly mark off the display area.
  5. The site should have as many entrances and exits as possible which are kept clear of obstructions.
  6. Stewards should be appointed to guide spectators.
  7. Fire extinguishers should be on hand as well as buckets of water and sand

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