activities industry mutual - on target - august 2015

On TargetOn TargetThe Activities Industry Mutual Newsletter – Autumn 2015

www.activitiesindustrymutual.co.uk

FORWARD TOGETHER

INSIDEFrom not-for-profit to charitable status – Mount Batten Watersports and Activities Centre

Collaboration as competitive advantage

Are we fulfilling our potential?

From sparks to inferno – proactive crisis management

PLUSLessons learned, member services and a round-up of the latest news from AIM's Chairman, Andrew Gardiner

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MESSAGE FROM OUR CHAIRMANAndrew Gardiner reflects on another successful year for AIM

This autumn marks ten years since the publication of AIM’s first Newsletter announcing the formation of the company and inviting applications for Associate Membership. Back then our aim was to transform the insurance picture for the outdoor sector and influence the replacement of the prevailing roller-coaster premium experience with something more stable and sustainable. By concentrating solely on the outdoor sector we would be addressing this problem of general insurers’ “in / out” mentality. This was recently illustrated most starkly in the demise last year of the JLT’s Adventure Insurance Activities Scheme, which left a large number of centres needing to renew their insurance elsewhere at very short notice.

AIM’s progress, for us, has been a fascinating and enjoyable journey and it’s a surprise to me that the past ten years seem to have sped by so quickly; insurance, at least when mutualised, is far from boring!

Of the original AIM directors, I’m delighted that Tricia Rawlingson-Plant of the Mill on the Brue centre, Bob Edwards of Stubbers and Glyn MacAulay, a former Lloyd’s insurance auditor, are still with me on the Board. I’m most grateful to them, current directors Peter Gordon (Rockley Watersports) and Paul Reeve (The Foundry Climbing Centre) and AIM’s previous directors for their energy, ideas and comradeship as the project has surged forward. I should like to record my personal thanks to Steve Taylor, who left the Board in July after eight years’ service. Steve’s counsel on all matters, but especially those relating to technical issues relating to climbing risks and incidents, has always been both practical and valuable.

In this year’s accounts, it was my pleasure once again to report on a successful year for the Mutual, with the financial statements showing another surplus after tax for the year ended 31 July 2014. In the current

financial year our Membership has risen to 671 with annual contributions (income) for the year ended 31 July 2015 some 12.5% higher, in excess of £2 million.

AIM has always had a profit-sharing arrangement with its excess insurer (Mitsui Sumitomo’s Lloyd’s syndicate) and I’m delighted to report that the Mutual was in receipt of such a payment this year in respect of 2007, AIM’s first year as a Mutual. Unlike insurance schemes which traditionally reward the broker, it is a unique feature of AIM that these payments are paid to the Mutual. However, as our success is founded on our Members' collective high standards of activity provision and the good safety and claims record that this results in, it is right that you yourselves enjoy the benefits of profit sharing. Returning 7.5% of their 2007/2008 premium to Year 1 Members in February this year was a really significant milestone for the Mutual and I’m pleased to say that there is every prospect of surplus distributions to Year 3, 4 and 5 Members on the back of similarly good performances.

AIM supports its Members in many ways, particularly in post-incident management, with post-accident complaints and in potential claims situations. Wherever it can, AIM will share lessons learned, an important way to reduce future claims. Our developing relationship with Pharos Response has been of real value here, not only assisting in major incidents, but also helping to defuse complaints involving a vexatious participant or irate parent, thus mitigating the potential of difficult claims scenarios. These situations highlight the vital importance of good post-incident personal care with an injured participant, often involving parent(s), even after a relatively minor incident.

We also support Members through our programme of Member seminars and conferences. In February this year we held a West Country conference at Tricia’s Mill on the Brue centre in Bruton, Somerset and, in March, a northern seminar and AGM at Halifax Hall in

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Sheffield. See our review on page 12 for more information about these and forthcoming events.

I would like to take this opportunity to thank our colleagues at Regis. Many of you will know James Willis and Shaun Fyson who have worked hard for AIM for many years, and Andy Baker, Brad Mott, Richard Izzard, Liz Thompson and Cathy Atkinson (both currently on maternity leave). With them is a team of specialists dedicated to ensuring that AIM provides us Members with a first-rate service.

AIM faces the next phase of its development with considerable confidence. We have over eight years of experience and data from liability claims in the outdoor sector; a growing Membership; a stable financial position; and strong partnerships within the industry. As our Membership increases, so does our reputation, and I believe that we can use that to the advantage of you, our Members, in the true spirit of mutuality. In the coming months we will be considering how best to capitalise on that position, and I look forward to meeting with you at one of our events where we will be very happy to hear your views.

Andrew GardinerChairman Activities Industry Mutual Ltd Andrew is also Chairman of Acorn Venture Ltd

3www.activitiesindustrymutual.co.uk

AIM MEMBER PROFILEMount Batten Watersports & Activities Centre

Established in 1999 on the site of a former RAF base in Plymouth, the Mount Batten Watersports and Activities Centre is one of the foremost Outdoor Education centres in the South West.It opens all year round to provide a wide range of watersports and land-based adventure activities for individuals, groups and affiliated clubs and associations. Located on the tidal estuary of the Plymouth Sound, the centre facilities include accommodation for up to 60 guests, boat storage and a waterside cafe bar that is open to the public.

Watersports offered include canoeing, coasteering, kayaking, sailing, stand-up paddleboarding and windsurfing. Land-based activities within easy reach of the centre include caving, gorge walking and rock climbing on limestone crags.

School groups visit the centre throughout the year and travel from as far afield as North Wales, Lincolnshire and Cornwall. Currently most groups that visit are from secondary schools but in recent years

the centre has seen an increase in the number of primary schools attending, particularly from the immediate catchment area in and around Devon.

From Not-For-Profit to Charitable StatusThe centre operates on a long-term lease from Plymouth City Council and has successfully operated as a “not-for-profit” company for many years. It has recently completed a transition to charitable status and now operates as the Mount Batten Centre Charity Trust. Alex King, Centre Manager, says that the prime reason for becoming a charity was to access a wider range of potential funding sources:

“With our newly established Charity status we will be able to access funding and grants, and benefit from tax relief, enabling us to increase our offering and make further improvements to the Centre, ensuring that all of our activities continue to be for the benefit of the Plymouth, and wider, community.”

Alex explained that the process of changing to charitable status was not without its challenges and he would be happy to offer advice to any other centre considering such a move. The process took many months and was not at all straightforward. Some of the centre’s trading activities have stayed outside the charity within a not-for-profit company that operates in parallel to accommodate some of the hospitality services that they provide (bar, weddings, parties, etc.).

One interesting outcome from their new charitable status has been the innovative “Recycle for Rewards” scheme that they have launched with Radio Plymouth to encourage local Primary Schools to earn credit for their school through recycling projects. Credits gained by the schools can then be “spent” on activities at the centre.


Flexible Staff StructureThe centre operates a flexible staff structure with a core team of 10 full-time permanent staff supplemented by a large number of freelance, casual and part-time workers. They employ a full-time Hospitality Manager, a part-time Housekeeper and up to 18 additional hospitality or housekeeping staff on a casual / part-time basis.

They have a database of over 70 local Instructors who may help them as required throughout the seasonal peaks and troughs of the year. The centre can have up to 240 guests on the water and activity staff numbers can range from two to 32 per day.

Why AIM?The Mount Batten Watersports and Activities Centre moved to AIM in 2014. In addition to Public and Employers' Liability cover of £10m and Professional Indemnity cover of £2m, AIM provides property cover for a large fleet of boats and equipment and also arranges the insurance of their 7-seater vehicle with a specialist motor insurer.

Alex King, Centre Manager, values the industry knowledge and expertise within AIM and said that this was a major factor that was considered along with cost savings when making the decision to move from their previous insurer. He appreciates the sense of community that is AIM and the opportunities for Members to help each other. One such opportunity arose recently when Alex, whose previous experience includes the management of a group of UK dry-ski slopes, was invited to share his winter-sports technical expertise with a fellow AIM Member. This was to provide an external review of their procedures relating to a recently acquired dry-ski slope which they had added to their range of managed activities.

Other AIM community events include Member seminars, the AGM and the election of AIM directors. Alex says that he has not been disappointed since joining AIM and appreciates the added value that is provided by a “flexible approach with a personal touch”.

More info: www.mount-batten-centre.com


COLLABORATION AS COMPETITIVE ADVANTAGE

Charles Darwin has been spinning in his grave for too long, unsettled by the gratuitous misinterpretation of his magnum opus on evolution, writes Paul Renfro of Pembrokeshire Outdoor Charter Group.‘Survival of the Fittest!’ business leaders chanted as they ran around with a belief that bigger is always better, and that having something that your competitor doesn’t have will make you stronger, more attractive and more successful.

It is a rallying call that’s wrong. Darwin never talked about the fittest, but what fits best – the fittingest you could call it. And that, as the Mad Hatter might say, is a very different proposition.

Being fit for our surroundings means being highly aware of what’s happening around us, including the consequence of climate change, biodiversity loss and resource constraint. A heightened awareness of risk and the patterns of opportunity and danger brought a group of AIM-Member Welsh adventure businesses to discuss with AIM how to find better ways to share information for business benefit. Through better awareness of changes and good practice in operational and strategic risks, the business leaders believe that they can improve their safety practices, increase the attractiveness of their services to the public, and potentially reduce their liability insurance costs.

There is a long history of businesses working together for mutual benefit in Pembrokeshire, where the Pembrokeshire Outdoor Charter Group has for nearly 20 years provided a forum for 100% of the adventure industry to work with each other, and for officers from the National Park, National Trust and Natural Resources Wales to share good practice. The difference that is already being made by openly

sharing knowledge on environmental impact gives the group's coordinator, Paul Renfro, real confidence that the addition of risk and safety data to their conversations will significantly improve the overall resilience of the businesses and the communities they work in.

Andy Middleton, Founder Director of TYF Adventure, industry pioneers of sustainability and innovation, realised early on that the role of ‘honest brokers’ would be essential to build the trust that would underpin knowledge sharing; the role of their providers has been key to progress. Middleton believes that representation of so many businesses by AIM as a mutual providing an alternative to conventional insurance and the sharing of existing information can create a foundation of trust and evidence that makes it possible to explore savings and value at industry scale.

“There’s a huge pool of value that’s created when businesses share and collaborate using real data, rather than hunches, to guide their decisions”.

In recognising that the biggest threat that they face is not each other’s pricing or programme design but the missed opportunity to create value, Wales’ adventure industry could trigger much larger change. With evidence from the NHS that mental illness in Wales alone has a gross cost of £7.2bn a year and that active time in nature can do much to reduce mental illness, these businesses have realised that in raising their awareness of what’s possible, and of the good practices that improve performance, they can turn what was ‘old-school’ competitive practice into collaborations that create social, environmental and business benefit.


Image courtesy of Paul Villecourt

Andy Robinson, CEO of the Institute for Outdoor Learning, examines the changing map of the outdoor and activities industry.With statements about the need for increased participation in sport and physical activities coming from a myriad of UK government departments (see the latest consultation on a new sports strategy from the Department for Culture, Media & Sport as a good example) it seems that our world of outdoor adventurous activity provision is well placed to be part of a solution. Good news, but is this simply a case of doing more of what we’re currently doing or is there a need for us to develop and reposition our offers to have a bigger impact than we do at present?

Some good work has been done recently by Sport England, The Sport & Recreation Alliance and The Outdoor Industries Association to gain a better understanding of the outdoor recreation market (in its widest sense) in the UK. The resultant report is available on the Sport England website. It points to a need to think about how well current outdoor activity-related services meet a range of different consumer motivations. For me it is also a reminder of how the needs and opportunities for outdoor activity participants change through our lifetime, and the fact that the outdoors is so often a medium to fulfil social, developmental or health needs. I believe the challenge for providers of outdoor adventurous activity is to better integrate their pure outdoor services with other activity so that those other needs can be more explicitly met.

The Institute is currently working with The Blagrave Trust to review the approaches evaluation of the impact of outdoor learning with children and young people.

A report and guidance will be available later in the autumn. I strongly believe that if we are to develop the services of the sector to fulfil its potential, we need to be clear about how we achieve the most far-reaching and sustainable impact, be that with a health, education, environment or business agenda. I look forward to a greater recognition and value being placed on our sector as we up our game to meet more societal needs more effectively.


ARE WE FULFILLING OUR POTENTIAL?

1. Incident reporting systems.It is important that those who are ‘in the field’ or ‘on the ground’ have a simple and effective way of informing management when a potentially complex incident has occurred or when a complaint is likely. Activity instructors may not always make a suitable assessment of the organisational impact of a situation so it is important that information is escalated quickly to someone who can do so. Instructors and leaders should be confident that they will have management support and, importantly, that they are available, including out of hours.

2. Complaints and incident handling procedures. Most activity providers will have some form of emergency plan and it is important that this is communicated to all those involved in the process. Plans are best when they are kept simple and use checklists and flowcharts rather than prescriptive paragraphs of text and bullet points. These should be kept up-to-date and cover the full range of scenarios and incident severity – not just be reserved for a crisis event which is unlikely to happen.

3. Communication plans. Whilst most activity providers have a reasonable incident plan, many are weaker when it comes to external communications. Such a plan should be written to identify the stakeholders specific to your own organisation and set out who will communicate with them and how. Clearly the media is a major concern to most, but social media, customers, families and staff are equally important.

4. Training.Fire & Rescue Services frequently train their staff and so too should activity providers give incident handling training to their own staff. Such training can be very simple, involving scenario discussions and ‘tool box talks’, or it can involve realistic role play. Lessons learned from training exercises and simulations are invaluable when it comes to dealing with real situations and are usually more useful than any written procedure you will see! We often run scenario-based incident training for clients to test their response in a very realistic but safe environment, identifying areas for improvement.

In the same way that some of the most serious fires and explosions begin life as a mere spark if left unchecked, the same can be true with major incidents and organisational crises, write Julian Penney and Chris Gallant of Pharos Response.Seemingly minor incidents or complicated customer complaints can develop into serious situations if they are not dealt with swiftly by a senior member of staff. Such situations can be highly costly not just financially but in terms of personal welfare, reputation or brand damage, and management time involved in dealing with the response.

All this points to the fact that quick and decisive action is needed to deal with low-level incidents or complaints to defuse the situation and extinguish the flames. For activity providers, health and safety is a major part of what they do day-in, day-out. This is why they are good at handling incidents on the ground. However, some may be less strong at dealing with the aftermath and handling the sensitive communications with parents and schools who may go to the press, vent their frustrations on social media or pursue a legal claim if they feel their situation is not being well handled.

So what tools are available to activity providers to help you respond quickly? Fortunately, there is a whole range of ‘fire extinguishers’ available and the good news is that most are straightforward and easy to implement internally.


FROM SPARKS TO INFERNO How can activity providers prevent incidents from turning into crises?

5. Ethos and culture. Your organisation no doubt values itself for being open and honest and doing the right thing by its customers, and this is likely to help prevent complaints and incidents from escalating into crises. Fear of litigation may prompt a defensive tone but this is more likely to make a situation worse. Similarly, delaying replies to customers or the failure by frontline staff to answer their phones will certainly add fuel to the fire.

6. Professional assistance.Even with the best laid plans a little extra help can go a long way, as one AIM Member discovered after a customer’s tragic death from natural causes whilst at their premisies. AIM’s tailored arrangement with Pharos ensured that the Member had access to

professional advice exactly when it was needed. A number of AIM Members have benefitted from Pharos’ services over the past year for ”minor” situations which had the potential to conflagrate, such as minor climbing falls, a child accessing dangerous chemicals, or an allergic reaction to food provided on the premises.

So in summary our advice is simple: to help prevent the sparks of an incident from developing into an inferno, we advise activity providers to assess what tools they have at their disposal and prepare in advance for a speedy and effective response.

Q: How do you fill your spare time?

B: I’ve always had an interest in the outdoors and adventure, and I enjoy keeping fit, doing anything from weight training to cycling and football. My dad used to be a body builder so sport and fitness have always run in the family. I enjoy travelling, walking my dog and spending time outdoors with my other half. I also run the Regis Fantasy Football League!

Q: What is your greatest sporting achievement?

B: I’ve become something of a runner in the last few years, going from barely being able to manage 5km to completing four half marathons and the full London Marathon this year. I cramped at the 15-mile mark and was disappointed with my time but it was still a great sense of achievement to complete the course and do my part in raising £2,700 for Havens Hospice in Essex. I should say a special thanks to my mum for baking and donating a mountain of cakes in support, and to everyone at the Regis Tunbridge Wells office for buying and devouring them.

Q: What activities do you plan to try next?

B: I want to try my hand at stand-up paddle boarding next time I’m by the water. I also have something of a passion for flying so a sky dive is definitely on the list, along with wing walking which can be done at a small air field in Essex, close to where I’m from. Completing a marathon in a faster time is another challenge I’m looking forward to taking on. I would also like to pursue some PT and fitness qualifications. I’m certainly open to adventure so who knows what the future may hold?

While most of our readers will have dealt with members of our team on the telephone, many of you will not have met face to face. Have you ever wondered who we are and what we do? We sent our intrepid reporter to interview AIM underwriter, Brad Mott, for an insider view.

Q: How long have you been at AIM and what do you do?

B: I began working for AIM just over two years ago, joining as a customer service and sales advisor, as the first port of call for new business enquiries. Attending the AHOEC seminar in Northern Ireland helped to develop my understanding of the sector, our Membership and the cover AIM provides, and earlier this year I moved into underwriting to progress my career at AIM. Since I have been here we have grown enormously and the variety and volume of work has been great. During our peak renewals period of March and April things can be pretty hectic!


AIM STAFF PROFILE

The Duke of Edinburgh’s Award (DofE) is the world’s leading achievement award for young people. Its ethos is to enable every young person of every background to take part and succeed, regardless of any barriers.Many of our Members will be familiar with the programme, in which young people aged between 14 and 24 progress through three levels to achieve a Bronze, Silver or Gold award. It requires persistence, commitment and has a lasting impact on the attitudes and outlook of all young people who participate, building confidence and self-esteem. Awards are delivered under special licence by over 400 partners, many of whom are Members of AIM, supporting nearly 11,000 DofE centres including youth clubs, voluntary organisations, schools, colleges, young offenders’ institutions and businesses.

As with any worthwhile award, there is no guarantee that all participants will achieve the required standard. As well as successes there will sometimes be disappointments and occasionally a disgruntled parent may look for someone to blame for their child’s unexpected set-back, whether it be their failure to achieve a DofE Award or an elusive A* grade. There may be an element of this in two recent claims for personal injury compensation arising from DofE activities.

The first claim involves a high-achieving schoolgirl, Emma, participating in a Gold practice expedition managed by her school with the help of qualified instructors hired to assist in specific elements. Emma developed a strain, which may have been an exacerbation of a previous shoulder injury, from stoically carrying her rucksack through the expedition, despite suffering discomfort. Offers were made by staff to take her rucksack, which she consistently turned down, wanting to continue to the end. By the end of the expedition, the discomfort had developed

into a strained shoulder which required attention and follow-up physio treatment. Although she withdrew from the actual Gold award expedition, we are told that she was soon back playing netball in the school team. Her disappointed parents decided to sue both the school and the instructors, alleging that their negligence caused Emma’s injury.

The second claim involves a schoolgirl, Coral, in a group of seemingly less-than-enthusiastic or uncooperative participants in a Silver award expedition. In deteriorating misty and drizzly conditions, the specialist provider managing the expedition decided to call the groups off the hillside shortly after midday. This instruction was acknowledged by Coral, who had been appointed as the nominated point of contact in her group. However, shortly after the call, Coral went “off air”; her phone had been turned off and the group was no longer in contact. An hour later, communication with the group was (briefly) re-established, as they had met up with another group with a working phone and once again they were instructed to come down off the hill. It soon became clear that this instruction too was not complied with and they were off air again, so the leaders set out themselves to search for the group. Some 45 minutes later, the leaders received a phone call from the group who were now situated even further up the hill, cold and wet.

This time they were told to put up a tent for shelter in an area that is visible to rescuers and have some hot food to keep warm. However, they decided instead to settle inside a wooded area out of vision and telephone Mountain Rescue. A while later they were helicoptered out, colder and wetter. Coral’s parents blame the expedition provider and have lodged a claim for compensation alleging that a “non-freezing cold injury” to their daughter’s feet was caused by their negligence. Who actually is deemed to have been at fault for this non-serious injury will be decided in court.


LESSONS LEARNEDClaims News

Lessons learned. In both cases the injuries were minor and the claims detract from the work that the schools and instructors put in to provide the real benefits to their charges that the DofE programme offers to young people and society as a whole. Both cases have cost the schools and providers a great deal, not least in terms of management time, and in Emma's case the school has decided not to manage any more DofE programmes in the future.

In the first case, admirable though Emma’s determination to carry on was, had she accepted the help with her rucksack that she was offered, it is likely she would have continued and achieved her Gold Award. So for teachers and providers, it is important that individual participants and their attitudes are

monitored closely. Where a school is managing the programme and hiring instructors for specific elements, it’s important that the division or delegation of responsibilities is made crystal clear and documented at the outset.

In the second case, a lack of commitment of some of the participants seems apparent. It’s important that the expedition programme manager, as well as constantly monitoring the participants' commitment, ensures that the parents, too, actually “buy in” to the programme. They can contribute by supporting their kids jointly with the teachers at school, so that all parties are committed and fully aware of the responsibilities and rewards involved in the challenge.

The names of the participants have been changed to preserve anonymity. In both cases AIM is resisting the claim on behalf of the Member.


AIM MEMBER SERVICESMEDIA TRAINING DAYS

“Really informative day delivered in an approachable manner. Lots of information which was given in easily digestible segments.

This course has made future events less nerve wracking”

“Well done! Best training day for a long time”

January saw the first of AIM’s media training days, held in conjunction with Pharos Response. These practical and informative events are fully CPD accredited and are aimed at senior managers, directors and trustees of outdoor and activity providers who are likely to be contacted by the press for comment in the aftermath of an incident. Delivered by incident management and media experts, course content includes television and radio interview techniques with filmed interviews and feedback, social media management, preparation of

holding statements and a simulated press conference, together with useful crisis communications background and theory. Feedback was overwhelmingly positive and we are pleased to announce the date of our next media training day, to be held in Manchester on 19 November 2015. To ensure the highest quality course delivery, places are strictly limited. Book your place now to avoid disappointment by contacting Richard Briggs: [email protected]

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As part of AIM’s continued commitment to you our Members, we host regular events that bring you together with key industry specialists to learn, network and share ideas based on your experiences within this rapidly growing sector.

This year’s Member Days were well attended by a broad range of representatives from across the industry who were treated to informative, comprehensive and occasionally somewhat sobering presentations by Andy Robinson of the IOL, Chris Gallant and Julian Penney of Pharos Response, and James Jevon of law firm BLM, as well as a number of well-known activities industry experts. Keith Fleming of Mountain Activities Ltd shared his experiences of

acting as a technical advisor and expert witness; author and leading thinker on childhood and children’s play and free time, Tim Gill of Rethinking Childhood, discussed risk benefit assessment in play; and physiotherapist and performance coach, Neal Anderson of Valley Training, inspired our Members with a presentation on the benefits of exercise and brain power. Our thanks go out to all our speakers and collaborators who have once again this year helped to make the AIM community what it is, and we welcome any suggestions for venues, speakers or topics for consideration at forthcoming AIM events. For further information or to book your place on one of our 2016 Member Days, contact Ginny Naish: [email protected]

We are proud to work hand in hand with some of the country’s leading industry bodies, who help us to accomplish our goal of being one of the leading information resources on risk management and enhanced professional practice in the activities industry. As well as inviting their contributions at AIM events, we are delighted to support them in their own endeavours and look forward to seeing many of our Members at other key industry conferences and events throughout the coming year including:

• ABC – Annual Conference, Plas Y Brenin, 12-13 October 2015• AHOEC – Autumn Conference, Plas Y Brenin, 19-20 November 2015• CCI – Annual Conference, Northampton, 12–14 January 2016

AIM EVENT DATES 2015/2016• Media Training Day – CPD accredited. Manchester, 19 November 2015• AIM Member Day. Aviemore, 2 February 2016• AIM Member Day. London, March 2016

James Willis, Shaun Fyson, Ginny Naish, Bradley Mott, Andrew Baker, Richard Briggs at the Activities Industry Mutual Ltd

Third Floor Westcombe House, 2-4 Mount Ephraim, Tunbridge Wells, Kent, TN4 8ASTel :01892 888423 Fax 01892 891886

Email [email protected] www.activitiesindustrymutual.co.uk Managers: Regis Mutual Management Ltd www.rmml.com

CONFERENCES AND EVENTS

“Loved it, I really feel like a Member now not just a customer”“Clear and understandable common sense approach”

“Informative, interesting and well presented”“Activities Industry Mutual Limited is a company registered in England and Wales (company registration number 05372198) with its registered office address at 7

Maltings Place, 169 Tower Bridge Road, London, SE1 3JB. Activities Industry Mutual Limited is an Appointed Representative of Regis Mutual Management Limited which is authorised and regulated by the Financial Conduct Authority; FRN: 479202.

For more information or quotations please contact US

activities industry mutual - on target - august 2015

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