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[BBC News] Boxing gym blaze is investigated


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According to Manx Radio, the club was uninsured so you wonder how it's going to be replaced (apart from selling the land for apartments!!). I would have thought that if you have a commercial business, you should be made to have insurance for the building.......

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Nope only Commercial Insurance you need by law is Employers Liability.

 

Surely you also need buildings insurance if only for the liability. Which would be different from employers' liability. What if a slate falls off because a building is not properly maintained? And it splits someone's skull open ?

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Nope only Commercial Insurance you need by law is Employers Liability.

 

Surely you also need buildings insurance if only for the liability. Which would be different from employers' liability. What if a slate falls off because a building is not properly maintained? And it splits someone's skull open ?

 

A slate can fall off any building, commercial or not. Most household policies will provide some sort of liability cover, but there's no legal requirement for a public liability policy (doesn't stop you being liable though).

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it would depend on how long and who fitted the slate/tile for the % each would be liable for.. proprietor and/or contractor surely.

 

 

pretty handy it burning down tho with the alternate plans afoot..

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I suppose it depends on if the boxing gym own or rent the property?

 

the chinese in Ramsey burnt down and whilst the property was insured the business within it wasn't

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