IndoorPlayInsurance for children’s indoor play areasProposal

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www.mortonmichel.com

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Children’s IndoorPlay

Our proposal form has been tailored to cater for both large and small indoor activity areas.There are two options:

Option 1 – for the smaller indoor activity areas;

Option 2 – for the larger indoor activity areas.

To establish whether you are eligible for Option 1, please complete the following:

1. Are there less than 40 children on the premises at any one time?

2. Are all children aged 7 years or under?

3. Is the replacement value of all contents £20,000 or under?(excludes computer, communication & photographic equipment)

4. Is the annual estimated turnover £40,000 or under?

5. Is the replacement value of stock £1,000 or under?

6. Will a minimum of 2 full time members of staff be on the premises at all times?

7. Will parents/guardians be present and responsible for their children at all times?

Please indicate if you agree with the following statements: -

8. I confirm that I do not prepare food using any deep fat frying process?

9. I confirm that there are no gaming, vending or amusement machines at the premises.

If you have answered YES to ALL of the above, you are eligible for Option 1 and subject to satisfactoryinformation in sections 1 & 3 of this form, cover can be provided on the following basis for an annual premiumof £900 (inclusive of insurance premium tax):

• Public and Products Liability £2,000,000 Limit of Indemnity

• Employers’ Liability £10,000,000 Limit of Indemnity

• Stock of food and drink £1,000 Sum Insured

• All contents £20,000 Sum Insured(excludes computer, communication & photographic equipment)

• Loss of revenue (12 month indemnity period) £40,000 Sum Insured

If you wish to proceed with the above limits of indemnity and sums insured, please complete sections 1 & 3only of this form and return to Morton Michel with your payment.

If you require more extensive cover or have not answered YES to ALL of the above, please complete sections 1,2 & 3 of this form and return to Morton Michel for a premium quotation.

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Yes No

IMPORTANTIf questions refer to a Guidance Note, please read carefully before answering.

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Sterling Insurance Company LimitedInsurance forChildren’s IndoorPlayProposal Form

SECTION 1Please read the Summary and Guide carefully before completing the proposal.

Please answer ALL questions FULLY and do not withhold or misrepresent any facts which are likely to influencethe Company’s assessment and acceptance of this proposal. You have a duty to disclose all material facts andfailure to do so could invalidate the insurance. Copies of all information supplied to us for the purpose ofeffecting this insurance should be retained.

If you have any difficulty in answering any of these questions, please telephone us at Morton Michel on Localrate 08452 570115 so that we can help. If we have already provided a quotation, please enclose your cheque forthe appropriate amount, made payable to Morton Michel. Your insurance will be provided under a Children’sIndoorPlay Policy. Any special terms or conditions will be advised to you in writing.

Please use BLOCK CAPITALS or TICK the BOXES as appropriate. If there is insufficient space to complete anyanswer, please use the supplementary information area at the end of sections 1 & 2 or continue on a separatesheet.

Proposer’s name(s) in fullSee guidance note 1

Trading Title

Address of business premises Your Address (for correspondence purposes)

Postcode Postcode

Telephone Telephone

Fax Fax

Mobile Mobile

Email Address Email Address

Website

Have you been allocated a PAYE Employer Reference Number?

If Yes, please state PAYE Employer Reference Number

Insurance to commence from

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Yes No

Business

1 Please give full details of all activities available.The quotation will be based on the information provided in this section.Please give as much detail as possible.

Please send samples of any promotional literature, flyers etc.

2 Are parents able to observe all items of equipment?

If NO give details

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Yes No

Buildings(Please answer these questions even if you do not require Buildings insurance)

1 What is the approximate age of the buildings? How many storeys?

2 Are the buildings (including any outbuildings containing equipment)

a) is the building listed?

b) built of brick, stone or concrete and roofed with slates, tiles, concrete or metal?

c) in an area unduly exposed to storm or impact damage? See Guidance Note 2

d) is there a basement?

3 Is more than 20% of your roof flat?

If YES

a) what is the age of the flat roof?

what is the flat roof made of? (e.g. felt on timber, bitumen, asphalt, etc)

c) what percentage of the total roof area is flat?

4 Have your premises ever been flooded; are they in an area liable to flooding or within 1/4 mile fromany river, watercourse or the sea, or have you been informed that your premises are in a potentialflood risk area?

If you have ticked any shaded box to questions 2 and 4, give full details

5 Are the buildings occupied by any other business?

If YES give full details including the occupation of any other tenants AND advise how thebusinesses are separated

6 Are there any adjoining buildings?

If YES give details of the trade(s) carried out therein AND how they are separated from your buildings

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Yes No

Premises(i.e. that part of the buildings and outbuildings occupied by you for the purpose of the business)

1 Are the premises artificially heated by a conventional central heating system or by fixedappliances, fuelled by electricity or gas from the public supply?

If NO, please give full details:

2 Has the electrical installation been checked by a qualified electrician in the last five years?

3 a) Are the premises protected by an intruder alarm which is in working order and subject to amaintenance contract?

b) Are all the external doors to your premises protected in accordance with the Guide to Security?*

c) Are all accessible openingwindows toyourpremisesprotected in accordancewith theGuide toSecurity?*

If NO to b) or c) give details of other security fittings

*The Guide to Security can be found in the Summary of Cover.

Safety

1 Do you have a written Fire Risk Assessment? See Guidance Note 3

2 Do you have a written General Health and Safety Risk Assessment? See Guidance Note 4

3 Has a safety inspection of the premises and equipment been carried out by an independent softplay specialist?

If YES, please send copy of report

4 Are all of the doors at your premises (internal and external) fitted with finger guards or fingershields?

5 Do you conduct an inspection of the premises prior to opening for business each day?

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Yes No

The Equipment

1 Please confirm that the play equipment is manufactured, supplied and installed by a playindustry specialist?

Please list all the items of equipment which will be used in the activity area:-

Note: Alternatively please send in any photographs & plans etc... that are available

Food and Drink

1 Is the food preparation area separated from the play area and access to the food preparationarea restricted to staff only?

General Questions

1 How long have you been in business at this address? years Elsewhere? years

2 a) Do you, any of the partners or any of the directors work at the premises in a non-administrative role?

b) If YES, do you or the partners or the directors have qualifications and/or experience in thecare and supervision of children in accordance with Guidance Note 5?

3 Do relevant staff have qualifications and experience in the care and supervision of children, inaccordance with Guidance Note 6?

4 a) Do you obtain satisfactory and confirmed references in writing of prospective employees’integrity before employing them?

b) Have you obtained the necessary Criminal Records Bureau Disclosures for all new andexisting members of staff/voluntary helpers? See Guidance Note 7

c) If you are awaiting Criminal Records Bureau Disclosures on members of staff/voluntaryhelpers, are all non-checked personnel fully supervised at all times by a suitable person withCriminal Records Bureau clearance?

If NO to 2b), 3, 4a), 4b) or 4c) please provide full explanation

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Yes No

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5 Do you comply with the minimum procedural requirements regarding inspection, maintenance &cleaning/sterilising of the play equipment? See Guidance Note 8

6 Please confirm who is responsible for the inspection, maintenance & cleaning/sterilising of theplay equipment?

7 Has any insurer ever

a) declined your proposal?

b) refused to renew or cancelled your policy?

c) imposed special terms or conditions for any of the risks proposed?

If YES to any of the above give full details

8 Have you, the proposer or any principal, director or partner under a current or any previoustrading title

a) been declared bankrupt or insolvent or been subject to a County Court Judgement or are anyproceedings pending?

b) been convicted of arson or other criminal offence (other than motoring offences) or is anyprosecution pending?

c) been prosecuted under the Factories Acts 1961, the Health and Safety at Work etc Act 1974,the Consumer Protection Act 1987 or the Food Safety Act 1990?

d) been served with a Prohibition Notice under the Health and Safety at Work etc Act 1974 or theFood Safety Act 1990?

If YES to any of the above give full details

9 Have you suffered any losses caused by any of the risks to be insured in the last five years?

If YES give details

Failure to disclose previous claims could result in the invalidation of your policy.

Yes No

Years CostCause Details

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Supplementary informationIndicate for which questions you are supplying extra information

IF YOU HAVE SELECTED OPTION 1 PLEASE PROCEED TO SECTION 3,OTHERWISE PLEASE PROCEED TO SECTION 2.

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SECTION 2

Business

1 Maximum number of children on the premises at any one time?

2 Age range of children

3 Will parents be responsible for their children at all times?

4 a) Number of full-time employees (paid or unpaid)

b) Number of part-time employees (paid or unpaid)

5 Do you comply with the staff to child ratio set out in Guidance Note 9?

6 Estimated Annual Turnover/Annual Gross Revenue see Guidance Note 10

7 Annual wage roll

Premises

1 Are there any vending/gaming/amusement machines at your premises?

If YES give full details

Food and Drink

1 Do you prepare food using any deep fat frying process?

If YES

a) Does the premises have a frying range (as in a fish & chip shop)?

b) Do you use purpose-made thermostatically controlled deep fat frying equipment(other than a frying range)?

c) Does the premises have a ducted extraction system other than filtered extractionhoods/canopies?

If YES, please supply photographs of the internal and external ducting system.

From to years

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Yes No

Property to be Insured

The sums to be insured by each item must represent the full value of the property to be insured.Please do not bracket items together.

1 a) Stock of food and drink (including stock of refrigerated/frozen food)

b) any other stock

2 Computing, fax, audio, television, video and photographic equipment

3 a) Office equipment other than as described in Item 2, stationery, office furniture fixturesand fittings used in connection with your activities at the premises

b) Toys and play equipment used in connection with your activities at the premises

c) Machinery, trade furniture fixtures and fittings, frames, blinds and signs and all othercontents used in connection with your activities at the premises

4 Personal effects and clothing of employees, customers and visitors (limit £250 per person)

If you own the building and wish to insure it -5 The reinstatement value of the buildings including foundations and outbuildings, fixtures

and fittings together with boundary walls, fences and gates, plus allowance for architects’and surveyors’ fees, public authorities and debris removal costs.

If you rent the building -6 Tenant’s improvements, alterations and decorations

7 Any other property - give full details

8 Breakage of fixed internal and external plain plate or sheet or wired glass at the premises forwhich you are responsible is automatically covered by this section, subject to a £250 deductible,up to a limit of £2,500 in any one period of insurance.

Describe and give value of any special glass where cover is required, ie armoured, bent or otherspecial glass or glass with lettering or designs superimposed.

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Business Interruption

Do you require this optional section?

If YES,

a) The sum insured will be based upon your answer to Section 2 - Business Question 6 on page 8;

b) The standard indemnity period is 12 months. If you require a longer period, please tick theperiod required: 18 months 24 months

Money

Do you require this optional section?

Money in transit or in bank night safeMaximum of £2,000.

Money on the premises during business hoursMaximum of £2,000.

Money in private residences of principals or authorised staffMaximum of £500 any one residence.

Money on the premises out of business hours not in a safeMaximum of £200.

Money on premises out of business hours in locked safesMaximum of £1,000 unless safe details have been supplied and approved.

If you require higher limits, please contact Morton Michel

Refrigerated Stock

This covers deterioration of your refrigerated/frozen food caused by breakdown of refrigeration units.

The Policy provides a sum insured of £1,000 free of charge. If you require a highersum insured, please enter the total value required.

This amount must be included within the sum insured for stock of food and drink under “Propertyto be Insured”.

Cover is only available for units up to ten years old. A manufacturer’s guarantee or a maintenancecontract must be in force for any unit which does not have hermetically sealed motors and compressors.

Public and Products Liability

Public and products liability automatic cover is £2,000,000. Do you require the higher limit of£5,000,000?

Supplementary informationindicate for which questions you are supplying extra information

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Yes No

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SECTION 3DeclarationPlease read the declaration carefully and check the answers you have given before signing the proposal form.

I/We (or, in the case of a partnership or a limited company, any one of the partners or directors) apply toSterling Insurance Company Limited for IndoorPlay Insurance and

i) declare that to the best of my/our knowledge and belief the answers given are true and complete in everyrespect and all material particulars which may affect the assessment of the risk have been disclosed. If anywritten answer has been made by another person, such person shall for that purpose be deemed to bemy/our agent and not the agent of Sterling Insurance Company Limited. To the extent that has beennecessary, I/we have consulted relevant members of the organisation to verify answers stated in this form

ii) understand that Sterling Insurance Company Limited reserves the right to contact previous insurers toverify answers stated in this form

iii) agree that this proposal and declaration shall be the basis of the contract between me/us and SterlingInsurance Company Limited and shall be deemed incorporated into such contract

iv) declare that all appropriate enquiries have been made to ensure that no principal, director,partner, employee or voluntary helper is, or is obliged to be, listed on the Sex Offenders Registerpursuant to the Sex Offenders Act 1997.

Data Protection ActI/We understand and agree that the personal information I/we provide (including sensitive personal details)may be used for insurance purposes by Sterling Insurance Company Limited, its connected companies,reinsurers, agents and subcontractors; and also shared with other insurance companies as required for thepurposes of my/our insurance. Where we have provided information about my/our spouse(s), partner(s) oranother person/other persons (including their sensitive personal details) I/we confirm that I/we have theirpermission to provide this information for insurance purposes. I/We understand that I am/ we are entitled to acopy of my/our personal information on payment of a fee.

From time to time, Morton Michel may wish to send you details of services and products, if you do not wish toreceive such mailings, please tick this box.

Signed ________________________________ Position ___________________________ Date ______________

You have a duty to disclose all material facts and failure to do so could invalidate the insurance.Cover does not commence until the proposal has been accepted by the Company unless otherwise agreed byMorton Michel.

How would you like your documentation to be sent to you?We now aim to send all insurance documents in pdf format by email. This is quicker and kinder to theenvironment. It also means that you can keep a copy on your computer to print out whenever required. If youwould prefer to have your policy schedule, Employers’ Liability certificate and policy booklet sent to you by postinstead of email, please tick the box below. If you do not tick the box then your documents will be sent via email.Please send my documents by post

Where did you hear about Morton Michel? (please tick as appropriate)

Colleague Email Exhibition Indoor Play Magazine Other (please state)

GUIDANCE NOTES FOR THE COMPLETION OF THE CHILDREN’S INDOORPLAYINSURANCE PROPOSAL FORM

Guidance Note 1Proposer’s name(s) and trading title (if applicable) should be in one of the following formats:-

(a) Sole trader:- Property and business owned by one person e.g. A Smith, may be used with a trading title, e.g. A Smith t/a ABC Play Centre(b) Partnership:- Property and business owned by more than one person, e.g. A Smith & J Brown, often with a trading title, e.g. A Smith & J

Brown t/a ABC Play Centre(c) Limited Company:- Property and business owned by a registered Limited Company, e.g. ABC Play Centre Limited, occasionally with a

trading title, e.g. ABC Play Centre Limited t/a ABC Play Centre(d) Limited Liability Partnership (LLP):- Property and business owned by a Partnership that has been registered as having a limited liability,

e.g. ABC Play Centre LLP, occasionally with a trading title, e.g. ABC Play Centre LLP t/a ABC Play Centre

Guidance Note 2Storm:- Premises located on a sea front or at the top of a hill, for example, may be more susceptible to storm damage.Impact:- Premises located at the foot of a busy hill or on a sharp bend, for example, may have an increased risk of impact damage by traffic.

Guidance Note 3By law, there is a duty upon owners of buildings – or anyone who has responsibility for buildings – to ensure fire safety at the premises.You will have to complete a risk assessment and record the significant findings of such an assessment. Full details and further information– including a simple guide to fire prevention – can be found at: http://www.communities.gov.uk

Guidance Note 4General health and safety risk assessments should be carried out by all companies regardless of the business activity. It is therefore,recommended that written assessments of risk are carried out and continually updated. These documents should be retained by thepolicyholder. A free copy of the leaflet ‘Five Steps to Risk Assessment’ is available from the Health and Safety Executive website:http://www.hse.gov.uk

Guidance Note 5If you will be a ‘hands on’ Partner or Director rather than in an administrative role, please provide details of any experience orqualifications that you have obtained in the care and supervision of children. Please see Guidance Note 6 for details of qualifications orexperience.

Guidance Note 6Although parents/guardians are present and responsible for their children at all times, you and your staff have a monitoring andsupervisory role within the indoor play centre. It is, therefore, a requirement that at least one in three of supervisory and monitoring staffon the premises have at least 2 years experience in the care and supervision of children or hold a child care qualification. A combinationof staff experience and qualified staff is acceptable. Experience may have been obtained in working in a similar environment, in a nursery,in a playgroup, in a school, as a nanny or as a childminder either in a voluntary or paid capacity. A relevant qualification could be e.g., acourse in childminding, an NNEB or NVQ etc. Staff not employed in a supervisory or monitoring role, e.g. on reception or in the kitchenarea, should not be included in the minimum one in three staffing requirement. If neither of these criteria can be met, the relevantnumber of staff would need to be enrolled in a suitable course. Course details can normally be obtained from local colleges, anIntroduction to Childminding or Pre School Practice courses, for example, would be acceptable. We are aware that course availabilityvaries to locality and any such arrangements would be the responsibility of the policyholder. ROSPA also provide a one day course whichincludes child development and the importance of play.

Guidance Note 7All supervisory and monitoring staff should be checked using the Criminal Records Bureau who can be contacted on www.crb.gov.uk.There are umbrella groups available who will carry out checks on your behalf and details again can be obtained from the CRB website.There are different levels of checks and due to the nature of your business a Standard check is required. If a check has been carried out bya previous employer in the last 12 months this would be acceptable. Any adverse responses received as a result of the checkmust bereferred to Morton Michel immediately.

Guidance Note 8Inspections: - Must be carried out daily and any relevant action taken prior to opening to members of the public.Maintenance: - Must be carried out by an industry specialist, as recommended by the manufacturers or as necessary if a fault isidentified and requires immediate attentionCleaning and sterilising: - Must be carried out on a regular basis or as necessary.

Guidance Note 9Whilst we appreciate that most staff at children’s activity areas are employed in a supervisory and monitoring capacity we would require aminimum of 2 members of staff on the premises for the first 40 children present and one further staff member for each 20 childrenthereafter. This would also apply for the duration of children’s parties. Employees in a reception or kitchen role should not be included inthe supervisory or monitoring staff numbers.

Guidance Note 10For the purposes of this insurance, Annual Turnover equates to your Annual Gross Revenue, i.e. all of your income from thechildren’s IndoorPlay Area (in whatever form) before deduction of expenses, taxes, wages or National Insurance payments.

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Tel: 0845 257 0900 Fax: 0845 257 0547/0548 www.mortonmichel.com

Morton Michel Alhambra House 9 St Michaels Road Croydon CR9 3DD

www.mortonmichel.com

www.mortonmichel.com KH3091 03.12