Austagencies :: Specialise Snowfields - Products and Cover Profiles

Depending on the nature of the property to be insured, Sentinel can offer a 'Sentinel Snowfield Property' policy or an Industrial Special Risks policy. Generally, ISR policies are used for larger commercial risks.

Both types of policy can cover:

Buildings
Contents
Public Liability
Products Liability
Boiler Explosion
Professional Fees
Removal of Debris
Business Interruption

Business Interruption

Due to the winter conditions in the snowfields, building repairs can sometimes be delayed for months or even a whole ski season. A loss at the beginning of a season that makes a lodge uninhabitable may have to wait until summer before repairs can be made. During this time, the lodge could lose significant income. If insured with Sentinel, the income lost during this period could be recovered.

Lodges should calculate a 'worst case scenario' and ensure that their 'sum insured' is adequate to cover them if the worst happens. Sentinel can provide cover for a 12 or 24 month 'indemnity period' as required.

Skidoos

Some Lodges own Skidoos, Snowcats and other snow vehicles which are used for transporting guests, luggage and clearing roads etc.

When used in public places, there is always a risk of property damage or bodily injury to third parties and it is important that these vehicles have adequate insurance.

Sentinel can provide a full comprehensive policy or a third party property damage policy to cover this.

Personal Accident for Voluntary Workers

Ski Lodges that employ staff must arrange Workers compensation insurance with a suitable insurer. With some lodges, Club Members volunteer to perform various duties without pay to help in the running of the lodge. Voluntary Workers are not covered by Workers Compensation.

For these workers, it is recommended that lodges arrange Personal Accident Insurance so that any person injured whilst performing voluntary duties can be compensated if he or she is unable to return to their usual occupation.

Injuries can last for weeks or months and can seriously affect a member's personal income. The level of compensation available will depend on the 'benefits' chosen and can range from $100 to $1,000 per week or in the event of death or permanent disability, Death and Capital Benefits of between $10,000 and $100,000.



	Austagencies Snowfields
	overview product profiles our team	Products and Cover Profiles Depending on the nature of the property to be insured, Sentinel can offer a 'Sentinel Snowfield Property' policy or an Industrial Special Risks policy. Generally, ISR policies are used for larger commercial risks. Both types of policy can cover: Buildings Contents Public Liability Products Liability Boiler Explosion Professional Fees Removal of Debris Business Interruption Business Interruption Due to the winter conditions in the snowfields, building repairs can sometimes be delayed for months or even a whole ski season. A loss at the beginning of a season that makes a lodge uninhabitable may have to wait until summer before repairs can be made. During this time, the lodge could lose significant income. If insured with Sentinel, the income lost during this period could be recovered. Lodges should calculate a 'worst case scenario' and ensure that their 'sum insured' is adequate to cover them if the worst happens. Sentinel can provide cover for a 12 or 24 month 'indemnity period' as required. Skidoos Some Lodges own Skidoos, Snowcats and other snow vehicles which are used for transporting guests, luggage and clearing roads etc. When used in public places, there is always a risk of property damage or bodily injury to third parties and it is important that these vehicles have adequate insurance. Sentinel can provide a full comprehensive policy or a third party property damage policy to cover this. Personal Accident for Voluntary Workers Ski Lodges that employ staff must arrange Workers compensation insurance with a suitable insurer. With some lodges, Club Members volunteer to perform various duties without pay to help in the running of the lodge. Voluntary Workers are not covered by Workers Compensation. For these workers, it is recommended that lodges arrange Personal Accident Insurance so that any person injured whilst performing voluntary duties can be compensated if he or she is unable to return to their usual occupation. Injuries can last for weeks or months and can seriously affect a member's personal income. The level of compensation available will depend on the 'benefits' chosen and can range from $100 to $1,000 per week or in the event of death or permanent disability, Death and Capital Benefits of between $10,000 and $100,000.
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