Summary of Cover

Standard Cover: The Policy is written on an "All Risks" basis of loss or damage on:

  1. Buildings includes Walls, Gates, Fences, Railings, Sprinkler System, Bowling Greens and Playing Surfaces.
    Under this heading the cover includes:


    Damage to Bowling Greens (recommended minimum sum insured £60,000 per Green).

  2. Contents includes Main Clubhouse Contents (including Stock) and Greenkeeping Equipment.
    Under this heading the cover includes:
    Cups & Trophies anywhere in UK (Standard Sum Insured £5,000 - £1,000 Single Article Limit) 

    Loss of Metered Water - £25,000. 

    Replacement of Keys/Locks - £2,500. 

    Members Effects - £1,000 per person. 

    Contents in the open - Theft Limit £500 per item/£5,000 in total. 

    Seasonal Stock Increase of 25% during December & January and 25% during Public & Bank Holiday periods. 

    Deterioration of Frozen Foods in Freezer & Cold Stores £750. 

    Goods in Transit £2,000 on Contents and £750 for Cigarettes, Tobacco, Wines & Spirits.

  3. Loss of Income - All Risks cover up to £500,000 with 24 month Indemnity Period including extensions for:-

    (a) Denial of access and bomb alert and public emergency.

    (b) Failure of water, electricity, gas or telephone supply (for at least 30 minutes).

    (c) Infectious or contagious disease, food or drink poisoning.

    (d) Loss of Book Debts - £10,000.

    (e) Loss of License up to £100,000 (where applicable).

    (f) Insured damage to Green.

  4. Employers Liability (including Voluntary Member Help) - £10,000,000.

  5. Public Liability including Club Member Liability - £5,000,000.

  6. Money:
    (a) In Transit and at own premises during business hours £3,000

    (b) In Safe outwith business hours £3,000.

    (c) Out of hours not in Safe £500.

    (d) At home of authorised person £500.

    (e) £500 within each Gaming Machine.

    (f) £30 within each Bona Fide Charity Bottle.
    Under this Section we also include Personal Accident (Assault)

  7. Loss of License: Depreciation in value of the interest (of the Insured) in the premises - up to £100,000.

  8. Policy Excesses: (unless otherwise agreed)
    (a) Subsidence £2,500

    (b) Theft, Storm, Flood, Escape of Water & Malicious Damage £200/£500 for non-standard construction.

    (c) Cups, Trophies & Members Effects £25.00.
  9. Engineering - Equipment Breakdown.

Small Clubs Public Liability Cover only: Where a Bowling Club is not responsible for the Buildings & Contents (ie via Local Authority) we can provide a costing under the Scheme.

Devised & Operated by


Suite 201-203, Baltic Chambers, 50 Wellington Street, Glasgow, G2 6HJ
Tel. 0141-221 6700 Fax. 0141-248 8812 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Authorised and Regulated by the Financial Conduct Authority - FCA Registered Number 304692

Underwritten by NIG (part of the UK Insurance Limited)