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Welcome to the FEC Mutual Limited

260 +
Number of sites currently in mutual
350 m
Total combined turnover of sites in mutual
70 m
Total wage bill for all sites

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Your Trusted Partner in Activities Cover

We are proud to introduce FEC Mutual Limited, a hybrid-discretionary mutual owned by its Members—providing cover and offering long-term benefits to organisations in the activities sector. Managed by Tower Insurance Brokers Limited, FEC Mutual Limited offers a unique blend of mutual protection and insurance coverage. 

Despite all the best intentions, accidents do happen, and you can safeguard your business with our alternatives to conventional insurance.

Our expert lies in catering to companies like yours, ensuring personalised attention to address your individual needs. We carefully evaluate your business to tailor the best combination of mutual protection and insurance coverage that perfectly aligns with YOUR requirements. 

Get Covered
Birthday Parties
Managed by Tower Insurance Brokers

Why Choose a Mutual Approach

FEC Mutual Limited understands the evolving participatory of the entertainment sector and how changes affect insurance needs. Through partnerships with external insurers, we bring cost-effective solutions with the perfect blend of mutual protection and insurance. We prioritise client safety and balance sheet protection when things go wrong.

Additionally, FEC Mutual Limited operates as a hybrid-discretionary mutual, combining mutual protection with the flexibility of protection and coverage. This innovative structure protects your business against individual losses and a higher volume of smaller claims, providing comprehensive coverage at every step.

Coverage That Counts

Our mutual covers a wide range of activities and facilities, including but not limited to:

  • Trampolines

  • Airbag & Pits

  • Climbing Wall / Clip N Climb

  • Ice Rink

  • Indoor Inflatable

  • Aqua Park

  • Dance Studios

  • Indoor Soft Assault Course

  • Kids Go Karts

  • Rotating Arm (Soft) & Others

  • Zip line/Laser Tag/Soft Play

  • Kids Bowling Alley

  • Virtual Reality Games

  • Xbox Area/Gaming 

  • Café / Food & Beverage

  • Axe Throwing

  • Competitive Socialising Events

  • Indoor Mini Golf

  • Escape Rooms

  • Large Amusement Parks

  • Soft Plays

  • Arcades

  • Bowling

The Benefits of Mutual Membership 

Discover the exclusive advantages of becoming a Mutual Member, where a well-established and effectively managed mutual can offer you unique benefits. 

Members for Members

We are offering a unique sense of community. FEC Mutual is a creative and sustainable alternative to the broken insurance market. It's a group of like-minded businesses all facing similar issues with insurance and risk management.

Reduced Frictional Costs

Our operating model ensures transparency in earnings, eliminating the opaque mechanism used by some insurance brokers for generating undisclosed fees and commissions.

Risk Management Focused

As a member, you benefit from improved risk management practices, leading to a potential reduction in the total cost of risk across the sector.

Members Own the Mutual

Unlike traditional insurance structures, FEC Mutual is owned by its members. Your involvement directly influences the decisions and directions of the mutual, ensuring alignment with members' interests.

Consideration of Member Claims

While claims are paid at the discretion of the Board, being a member-owned organisation means your claims are considered with a sympathetic understanding of the challenges unique to your industry. Expect a responsive and considerate approach to your claims.

Sustainable Competitiveness

We are committed to providing sustainable competitiveness for our members. We may not always be the cheapest, but we will be here when you need us. By being a member of our mutual, you access stability, expertise and an understanding of the ever-changing landscape of the activities sector.

Partners

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Join FEC Mutual Limited Today

Don't leave your business unprotected or exposed to the withdrawal of 'flaky' insurers from the market. Reach out to our expert team at FEC Mutual Limited. Let us secure your business while you focus on what you do best—providing extraordinary experiences.

Get Covered
EKarting

We moved to The FEC Mutual Limited for our Inflatables Parks cover. Their claims managers agreed to deal with a Public Liability claim which up until The FEC Mutual's involvement had been dealt with by our previous broker. We felt that we had a strong defence but the insurer was looking to settle the claim against us. The Mutual's Managers, Tower Insurance Brokers Limited stepped in, reinvestigated and pushed back against the insurer and ultimately were able change the insurer's decision to admit liability. There is no doubt that without the Mutual's and Tower's expertise this would have resulted in a fault claim against our record. Their service in general is excellent but their professionalism in defending claims is truly impressive and beyond what we ever expected to see from a Mutual, or its Managers.

Liam Caffrey

Owner | Curly Pepper Trading Limited

I came across the Mutual in 2022 when our insurer at the time ceased to operate in this niche market. I was mindful that given there was little competition in the market the Mutual may seek to enhance my contribution. 
 
Far from it. From the initial contact and to today, the Mutual has always dealt with us fairly and honestly. Furthermore, the speed with which matters such as renewals are done is refreshing and takes away the worry from you. I look forward to remaining in the Mutual for the foreseeable future as they possess qualities that others lack; honesty, transparency and speed (of delivering the service).

Farooq Rafiq

Owner | Insane AIR

Throughout the years NovaCity has been operating we have worked with many insurance operators. Joining this Mutual has been one of the most beneficial choices we have made as a company. The support we have been given to aid our operations has been impeccable. Having someone support you in this way gives you confidence as an operator, with fast replies to enquiries and a proactive supportive view when trying to push things forwards and make changes as a company. The documentation provided is of the standard that we are able to work with councils, schools and other organisations to achieve our goals. 
 
When you run a company, you need to be thinking long-term in terms of plans and the goals you want to achieve. Having support from trusted partners is integral to this process and we hope for many more years to come.

Lisa

Director | NovaCity Ltd

Go Bounce is South Yorkshire's Premier trampoline park, so we needed a cover provider with the same high standards and reputation.
 
The FEC Mutual’s service, attention to detail and caring nature has been a rock to us. It’s important to know you’re being looked after.

Pete

Manager | Go Bounce

Having operated Family Entertainment Centres for over 20 years, a key challenge for us was finding insurance that was affordable, stable, reliable and consistent. We often found that insurers moved in and out of the market, will large fluctuations in premiums between renewals – especially for our trampoline and inflatable parks. 

We have been a Member of the FEC Mutual since its inception and have found it solves all these challenges. The Mutual provides a team that has a great knowledge of the industry and are willing to support operators – with a greater willingness to defend claims when needed. 

Louis Freeman

Director | Inflatespace

The FEC Mutual Limited, via their managers Tower Insurance Brokers, contacted us to discuss a quote for our Inflatables Park. Their knowledge of the market, including the position of our previous insurer, was above and beyond what we had experienced with our previous provider. The Mutual was able to cover our business at a competitive rate with  fewer cover conditions and exclusions than our policies have had historically.

Dennis Yupet

Director | Wacky World Preston

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