Letting someone use your arena

[Tiddlypom]

There is some Personal accident cover with BHS gold but it’s not what I would meaningful I think it’s a max of 10k and difficult to qualify for.

Indeed. You could be badly injured and unable to work for a long time, yet still be ineligible for any payout from your BHS gold insurance.

The main value of the BHS Gold insurance is covering you if you are liable for losses sustained by others, but that is strictly for recreational activities only.