Correct Insurance

For many businesses both large and small, teams and many clubs across the world are recognised by their mascots, it's a huge industry just by itself. Imagine Disney World without the dedicated people who dress up as Mickey, Donald or Goofy, it just wouldn't be the same place.

But something many don't think of is the costs involved and the insurance that is needed to protect our beloved mascots, costumes can often be worth a lot of money and when your visibility is restricted as well as your normal movement accidents can happen.

What does mascot insurance cover?

Mainly due to the nature of working with the public most mascots will only ever need public liability insurance, however, if say you employ someone even part-time to dress up and take on the role of a mascot you will need to cover them under your employers' liability insurance also.

• Public Liability

  May cover you for financial loss and legal costs resulting from a compensation claim successfully brought against you by a third party for injury or damage to property where you are found responsible.

• Employers Liability

  Most employers are legally obliged to take out an employers' liability policy whther your staff are full or part-time, paid or voluntary.

• All risks cover (Costume)

  Covers for all eventualities but there may be some minor exclusions which you may discuss with your broker.

Cover Conditions

The conditions for covering mascots is very similar to sumo suits used in the leisure industry.

Sumo Suits Conditions - It is a condition precedent to liability that

• All participants must be of a similar age and size.
• If the competition ring is set up on a firm surface it must have foam safety mats at least two inches thick in the ring and have air cushions or beds outside the ring to prevent injury when falling.
• The ring must have a clearance of at least two metres from any property and/or spectators