Specialist Pier Insurance
We can provide a packaged pier insurance solution that takes into account all of your potential exposures and liabilities. We’ll take time to understand your business, so you get exactly the cover you do need, without paying for cover you don’t
- Marine Structure Insurance
A common mistake is to insure a pier as a commercial property. Piers face marine impact and wave action, so need to be insured as marine structures.
- Public Liability Insurance
A member of the public slipping on a wooden deck or even falling from the pier may trigger a liability claim. Public Liability cover protects you against cost of legal expenses and compensation where a member of the public claims to have suffered personal injury, or loss or damage to property as a result of your business activity.
- Employers Liability Insurance
This works in a similar way to Public Liability, but covers you in the event that an employee claims to have been made unwell or suffered loss or damage to personal property as a result of the work that they do for you.
Many piers in seaside towns operate a bar, and this might be a significant element of your business income. Should the authorities suspend or revoke your license for any reason, loss of license cover protects you from the resulting loss of income.
- Seasonal increase cover for stock
For many pier operators, business is particularly seasonal. You might be extremely busy in the summer, and all but shut in the winter months. Your insurance can be flexed to reflect the fact that stock levels will vary as a reflection of this seasonality.
- Business Interruption Insurance
Should all or part of the business have to close due to a fire, wave damage or some other insured event, business interruption cover will protect you from associated fixed costs while you get things repaired and the business fully up and running again.