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Loss Of Revenue Insurance


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I'm currently working my way through our PLA Insurance renewal and am pondering the wisdom of paying an additional premium (£46 ish for £10k cover) for Loss of Revenue insurance. We are a sessional group and 90% of our income is from NEG.

 

Do I really need this additional cover? EYDCP no help as they are all on holiday! Does anyone have a crystal ball I can borrow? We've had a spate of bad vandalism recently but things are now better... if we were to close for a week or two due to fire/theft etc would an EYDCP expect us to pay back NEG? I searched through our NEG Terms & Conditions but found nothing either.

 

Help!

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Our committee have just taken this out. The chair is very paranoid about all aspects of the playgroup and crosses every T and dots every i. She says it will cover our wages should the hall become unusable. I dont know about having to pay back any NEG though. :o:D

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