--- title: Innovative Insurance Solutions for Activities | FEC Mutual Limited description: "Explore FEC Mutual: innovative hybrid mutual, member-owned for tailored coverage without traditional restrictions, with shared trading surplus." --- [![FEC logo](https://fecmutual.com/hubfs/FEC%20logo.png)](https://fecmutual.com) - [Cover](https://fecmutual.com/comprehensive-products-liability-insurance-coverage) - [What's FEC Mutual](https://fecmutual.com/fec-mutual-tailored-protection-community-support) - [About Us](https://fecmutual.com/innovative-insurance-solutions-for-activities) - [Insights & Advice](https://fecmutual.com/insights-and-advice) - Member Area - [Voting Member](https://fecmutual.com/voting-member) - [Become A Member](https://fecmutual.com/contact-us-fec-mutual) [Contact Us](https://fecmutual.com/contact-us-fec-mutual) ![Battlebeam](https://fecmutual.com/hs-fs/hubfs/Gravity-Active-Battlebeam.png?width=1200&height=1200&name=Gravity-Active-Battlebeam.png "Battlebeam") ## Who We Are? FEC Mutual is an innovative hybrid discretionary mutual conceived in response to a constantly broken insurance market and after painstaking research by experts in the wider activities sector. Owned by its members as a collaborative collective, FEC Mutual offers tailored cover absent of the restrictions imposed by predecessor insurers at a sustainable and competitive price, with the possibility of members sharing in the trading surplus.   Under the management of Tower Insurance Brokers (TIB)-acknowledged experts in mutual management and activity insurance - FEC Mutual benefits from being part of a family of similar mutuals, including - The NACFB Mutual & The Masonic Mutual. This assists FEC Mutual in maintaining its competitive edge and responding to changing members' needs efficiently and compliantly. ## Our Story Mutuals have existed for 100's of years, with some of today's largest insurance companies having started out as mutuals. Because of the limits of indemnity and sums insured required, most mutuals now partner with external insurers to create a blend of mutual protection and insurance cover.     As a hybrid-discretionary mutual, FEC Mutual Limited embraces a modern approach to risk management. With mutuals having a rich history spanning centuries, today's challenges have led us to innovate. We partner with external insurers to create a hybrid structure that combines mutual protection and traditional insurance coverage. This strategic approach ensures that our members benefit from both the strength of collective funds and the broader coverage offered by external insurers.  ![Liverpool AR Darts](https://fecmutual.com/hs-fs/hubfs/Gravity%20MAX%20Liverpool-AR-Darts.png?width=1200&height=1200&name=Gravity%20MAX%20Liverpool-AR-Darts.png "Liverpool AR Darts") # The FEC Mutual Board of Directors This esteemed group consists of well-known faces that many of our Mutual Members will easily recognise. They have been chosen based on their diverse sector knowledge and innovative approach. The board's collective expertise and commitment ensure that it stays focused, dynamic, and always ready to serve the best interests of both Mutual Members and the entertainment community as a whole.  ![Harvey Jenkinson](https://fecmutual.com/hs-fs/hubfs/Harvey%20Jenkinson-1.png?width=300&height=196&name=Harvey%20Jenkinson-1.png "Harvey Jenkinson") #### HARVEY JENKINSON ***Chairman*** ###### Read more Harvey is an experienced Director in the experiential leisure industry and currently serves as the CEO of a major leisure provider overseas. The company has 20 sites in the UK and 5 sites across Europe, the Middle East, and Asia. Under Harvey's leadership, the company has achieved significant growth and success in the leisure industry. ![Louis Freeman](https://fecmutual.com/hs-fs/hubfs/Louis%20Freeman-1.png?width=300&height=196&name=Louis%20Freeman-1.png "Louis Freeman") #### LOUIS FREEMAN ###### Read more Louis is the Head of Operations for LeisureSpace Limited, where he oversees the operations of 9 sites across the North of England. He has expanded the business into different family Leisure sectors, including trampoline parks, soft play centres, climbing centres, adventure golf and inflatable parks. Louis also serves as the Chair of the Risk Committee for the Mutual. ![Liam Gibson](https://fecmutual.com/hs-fs/hubfs/Liam%20Gibson-1.png?width=300&height=196&name=Liam%20Gibson-1.png "Liam Gibson") #### LIAM GIBSON ###### Read more Liam has extensive experience in managing extreme sports and high-risk activities, having worked in leisure and hospitality throughout his career. He has overseen the development of compliance, risk, and facilities strategies and leads these to ensure safe and legal trade across both corporate and franchise businesses. Liam's expertise in this field has been instrumental in ensuring that the company's operations are conducted in a safe and responsible manner. ![Tim McClure](https://fecmutual.com/hs-fs/hubfs/Tim%20McClure.png?width=300&height=196&name=Tim%20McClure.png "Tim McClure") #### TIM MCCLURE ###### Read more A diligent, passionate and personable senior finance professional with strong influencing skills who is confident at communicating at all levels, including PLC board members. Top tier trained with 10 years’ post qualification experience in the retail/leisure sector gained within SME’s. Strategically and technically strong with extensive experience in commercial activity and all aspects of financial and business control.   ![Narinder Baryah](https://fecmutual.com/hs-fs/hubfs/Narinder%20Baryah.png?width=300&height=196&name=Narinder%20Baryah.png "Narinder Baryah") #### **NARINDER BARYAH** ###### Read more A dynamic and versatile individual with strong business acumen and a 20-year history in financial services and law. Narinder takes great pride in ensuring that strong standards of governance and customer service are being implemented across the Entertainment Centres under his oversight. ## Managers At FEC Mutual, the Managers are not just leaders; they are visionaries who drive the organisation's success. With their collective dedication, we are confident in our ability to provide unparalleled service and support to our Mutual Members, contributing to the overall prosperity of the community. ![MARTIN RICHARDS](https://fecmutual.com/hubfs/MARTIN%20RICHARDS-2.png "MARTIN RICHARDS") #### MARTIN RICHARDS  ***Mutual Manager*** **[mrichards@towerinsurancebrokers.co.uk](mailto:mrichards@towerinsurancebrokers.co.uk) 07970 852421** ###### Read more An FCII-qualified Chartered Insurer, Martin has spent his 43-year career in the non-life and pensions insurance market, predominantly as an underwriter. Still, he has also served on the broking side. He started as a Lloyds broker in 1978, has held senior positions in Willis, AFIA & CIGNA AIG (Major Risks) & CNA Insurance Co (Europe) Ltd and served as the Head of Underwriting, Mutual Manager and Managing Director (Broking) for a Mutual Management Company. ![AARON GREAVES](https://fecmutual.com/hubfs/AARON%20GREAVES-1.png "AARON GREAVES") #### AARON GREAVES, FCG ***Compliance Director and Company Secretary*** ***[mailto:agreaves@towerinsurancebrokers.co.uk](mailto:agreaves@towerinsurancebrokers.co.uk)*[agreaves@towerinsurancebrokers.co.uk](mailto:agreaves@towerinsurancebrokers.co.uk) 07542 335022** ###### Read more Aaron Greaves is a Chartered Company Secretary (FCG) with a Masters in Corporate Governance (MScCG) and a Bachelor of Laws (LLB). He has over 17 years of experience in Regulation, Compliance Supervision and Mentoring. Aaron is responsible for handling all regulatory and secretarial matters for Tower Insurance Brokers. He also provides specialist advice to the Mutual’s Board and its representatives. ![TIM FORSHAW](https://fecmutual.com/hubfs/TIM%20FORSHAW-1.png "TIM FORSHAW") #### TIM FORSHAW ***Account Manager*** ***[mailto:tforshaw@towerinsurancebrokers.co.uk](mailto:tforshaw@towerinsurancebrokers.co.uk)*[tforshaw@towerinsurancebrokers.co.uk](mailto:tforshaw@towerinsurancebrokers.co.uk) 07387 647222** ###### Read more As CEO of Tower, Tim is responsible for managing the company's operations and overall vision. His role is to ensure the vision is delivered ethically, with all stakeholders (internal and external) being treated professionally and with care. Tim likes to ensure profitability for Tower and be part of a positive, professional work culture where colleagues are well-remunerated and happy. This results in our customers receiving the best advice and the most competitive prices from a qualified workforce that collaborates across the various departments. ![CHRISTOPHER COLE](https://fecmutual.com/hubfs/CHRISTOPHER%20COLE-1.png "CHRISTOPHER COLE") #### CHRISTOPHER COLE ***Account Manager*** **[ccole@towerinsurancebrokers.co.uk](mailto:possible.ccole@towerinsurancebrokers.co.uk) 01253 542921** ###### Read more Christopher Cole is an experienced commercial broker who has been insuring Trampoline Parks, Inflatables Parks & Family Entertainment Centres since 2015. He is a specialist in the insurance leisure market and has been developing and maintaining relationships with key insurers to ensure long term insurance solutions for the sector. Chris Cole has an ethos of putting customers first, stepping into their shoes and ensuring insurance cover is as affordable and comprehensive as possible. ![EMMA KETTLEWELL](https://fecmutual.com/hubfs/EMMA%20KETTLEWELL-1.png "EMMA KETTLEWELL") #### EMMA KETTLEWELL ***Account Handler*** **[ekettlewell@towerinsurancebrokers.co.uk](mailto:ekettlewell@towerinsurancebrokers.co.uk) 01253 542934** ###### Read more Emma Kettlewell is an experienced commercial broker who has been covering all aspects of insurance, including Trampoline Parks, Inflatables Parks & Family Entertainment Centres for over 15 years. She is a specialist in the leisure industry and strives to ensure sustainability whilst offering comprehensive and affordable insurance. ![EMILY REYNOLDS](https://fecmutual.com/hubfs/EMILY%20REYNOLDS-1.png "EMILY REYNOLDS") #### EMILY REYNOLDS ***Head of Claims (Liability)*** ***[mailto:agreaves@towerinsurancebrokers.co.uk](mailto:agreaves@towerinsurancebrokers.co.uk)*[ereynolds@towerinsurancebrokers.co.uk](mailto:ereynolds@towerinsurancebrokers.co.uk) 01253 542926** ###### Read more An experienced claims manager with tenure in handling both insurance and mutual organisation claims across all classes of general insurance. Working towards her CII Diploma in Insurance, Emily serves as the in-house specialist for all Liability related claims that may arise across Tower’s business network. ![STUART BEECH](https://fecmutual.com/hubfs/STUART%20BEECH-1.png "STUART BEECH") #### STUART BEECH ***Chartered Loss Adjuster*** **[sbeech@towerinsurancebrokers.co.uk](mailto:sbeech@towerinsurancebrokers.co.uk) 01253 542925** ###### Read more Stuart is a Chartered Loss Adjuster with over 20 years of claims handling experience. With a background in Building Surveying, he specialises in Property MD/BI losses and Risk Management. ## 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 - ![UKHospitality Logo Main Colour](https://fecmutual.com/hs-fs/hubfs/UKHospitality%20Logo%20Main%20Colour.png?width=143&height=85&name=UKHospitality%20Logo%20Main%20Colour.png)   - ![TIB gradient purple-01](https://fecmutual.com/hs-fs/hubfs/TIB%20gradient%20purple-01.png?width=143&height=81&name=TIB%20gradient%20purple-01.png) - ![Screenshot 2024-02-29 182925 copy (1)](https://fecmutual.com/hs-fs/hubfs/Screenshot%202024-02-29%20182925%20copy%20(1).png?width=170&height=56&name=Screenshot%202024-02-29%20182925%20copy%20(1).png)   - ![McLarens-logo-rgb Seethrough](https://fecmutual.com/hs-fs/hubfs/McLarens-logo-rgb%20Seethrough.png?width=183&height=55&name=McLarens-logo-rgb%20Seethrough.png)   - ![Mulberry Risk Logo 2023 \[Pink & Black\]\[RGB\]](https://fecmutual.com/hs-fs/hubfs/Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg?width=248&height=33&name=Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg)   - ![UKHospitality Logo Main Colour](https://fecmutual.com/hs-fs/hubfs/UKHospitality%20Logo%20Main%20Colour.png?width=143&height=85&name=UKHospitality%20Logo%20Main%20Colour.png)   - ![TIB gradient purple-01](https://fecmutual.com/hs-fs/hubfs/TIB%20gradient%20purple-01.png?width=143&height=81&name=TIB%20gradient%20purple-01.png) - ![Screenshot 2024-02-29 182925 copy (1)](https://fecmutual.com/hs-fs/hubfs/Screenshot%202024-02-29%20182925%20copy%20(1).png?width=170&height=56&name=Screenshot%202024-02-29%20182925%20copy%20(1).png)   - ![McLarens-logo-rgb Seethrough](https://fecmutual.com/hs-fs/hubfs/McLarens-logo-rgb%20Seethrough.png?width=183&height=55&name=McLarens-logo-rgb%20Seethrough.png)   - ![Mulberry Risk Logo 2023 \[Pink & Black\]\[RGB\]](https://fecmutual.com/hs-fs/hubfs/Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg?width=248&height=33&name=Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg)   Ready to Secure Your Future? ### Contact FEC Mutual Limited Today!  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.    [![FEC logo](https://fecmutual.com/hs-fs/hubfs/FEC%20logo.png?width=200&height=97&name=FEC%20logo.png)](https://fecmutual.com) **F**amily **E**ntertaiment **C**entre **M**utual Managed by Tower Insurance Brokers ### Resources - Member Area - [Insights & Advice](https://fecmutual.com/insights-and-advice) - [Subscribe to our Newsletter](https://fecmutual.com/#subscribe-to-newsletter) ### Company - [What's FEC Mutual](https://fecmutual.com/fec-mutual-tailored-protection-community-support) - [About Us](https://fecmutual.com/innovative-insurance-solutions-for-activities) - [Contact Us](https://fecmutual.com/contact-us-fec-mutual) ### Policies - [Privacy Policy](https://fecmutual.com/privacy-policy) - [Cookie Policy](https://fecmutual.com/cookie-policy) - [Terms and Conditions](https://fecmutual.com/terms-and-conditions) FEC Mutual Limited are a company registered in England and Wales (Registration No: 13422679), Registered Office: 7-9 Church Road, Lytham, Lancashire FY8 5LH FEC Mutual Limited are an Appointed Representative (FRN:958319) of, and are managed by, Tower Insurance Brokers Limited, a company authorised and regulated by the Financial Conduct Authority (FRN: 805562). Tower Insurance Brokers Limited are a company registered in England and Wales (Registration No. 10691863); whose Registered Office is located at 7-9 Church Road, Lytham, Lancashire FY8 5LH. © Copyright 2026 FEC Mutual Limited, All Rights Reserved