Village halls and charitable organisations are the heartbeat of many communities, offering vital spaces for events, services, and support. Whether hosting a coffee morning, a yoga class, or a local fundraiser, these venues play a crucial role in bringing people together. However, with this responsibility comes the need to manage risk – and that’s where liability insurance becomes essential for a charity or a non-profit organisation.

At Norris & Fisher, we specialise in insurance for village halls and charities, providing expert advice and tailored quotes to ensure your organisation is protected against a wide range of potential liabilities.

1.  Core Liability Cover – What You Need to Know

Our policies generally come with the following key types of liability insurance automatically included:

Public Liability

This covers injury to third parties or damage to their property due to negligence. For example, if someone trips over a loose cable you’ve left exposed at your fundraising event, this cover ensures your organisation is protected. Standard cover is £5 million, with the option to increase to £10 million depending on your needs.

Employers’ Liability

If your organisation has employees, volunteers, trustees, or committee members, this cover is essential. It protects your organisation against claims made from employees/volunteers alleging negligence that resulted in their injury or illness. The certificate must be displayed or made electronically accessible.  Standard cover is £10 million.

Products Liability

Included within Public Liability Insurance, this covers injury or damage caused by products supplied by the hall or charity – such as food and drink served at events. Necessary if you supply teas and coffees, or something on a larger scale like running a community café, this cover ensures you’re protected should something go wrong.

Property Owner’s Liability

If your organisation owns or manages a building or land, this cover protects against claims arising from that ownership. For example, if a visitor is injured due to a structural issue or icy path, this insurance helps manage the legal and financial consequences.

Trustees Indemnity

Trustees make important decisions on behalf of the organisation, and this optional cover protects them against claims for wrongful acts carried out in their official capacity. Our village hall scheme policies include this automatically, helping to provide peace of mind and a comprehensive packaged policy.

Hirers’ Liability

This extension of Public Liability covers non-commercial groups hiring the hall, such as private individuals hosting birthday parties or social groups holding regular meetings. While some hirers may need their own insurance, this extension ensures casual users are also protected under your policy.  Make sure you understand who needs their own insurance and who can qualify for this, by asking your insurance provider.  See our dedicated Hirers Liability blog post here for more information.

📌 Need help understanding which liability covers apply to your organisation?  Contact us today for free insurance advice.

 

2.  Cyber Liability Insurance – Preparing for the Future

As village halls and charities increasingly adopt digital systems for bookings, communications, and data storage, cyber insurance is becoming more relevant. From managing member databases to handling online payments, digital operations introduce new vulnerabilities.

Cyber insurance is an emerging area of cover that protects against a range of risks, including but not limited to:

  • Data breaches – accidental or malicious exposure of personal data
  • Ransomware attacks – where systems are locked and payment is demanded
  • Financial loss due to cybercrime – including phishing scams and fraudulent transactions

This type of insurance is particularly valuable for organisations handling personal data or relying on online platforms for day-to-day operations. It’s not just for large corporations—small community organisations are increasingly targeted and need protection too.

💡 Interested in future-proofing your organisation?
Ask us about cyber liability cover and how it can protect your digital operations.

 

✅Get in Touch

Whether you’re reviewing your current insurance or setting up a new policy, Norris & Fisher is here to help. We offer:

📞 Contact Norris & Fisher today to speak with our friendly team of experts and ensure your organisation is fully protected.

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