Village Hall Insurance

Cover is automatically included for any fund-raising events, exhibitions, craft fairs and fetes organised and run by you, there may be a limit on attendance such as ‘1,000 persons in attendance at any one time’, so be sure to check your policy schedule and wording.

Our policies will also extend your liability cover and cover you in respect of bouncy castles, these are usually subject to risk management conditions detailed within your policy being followed.

Public Liability is included as standard at an indemnity limit of £5million. However, this can be extended to £10million subject to an additional premium.

Public Liability provides cover for injury to third parties or damage to their property which arises from the negligence of the policyholder.

Professional Indemnity protects you from harmful advice offered by your organisation which leads to harm or financial loss to a third party. This is usually not required under a Village Hall policy but can be added subject to an additional premium.

If your organisation offer any community workshops providing financial assistance or form filling advice, training, support or counselling services, this may be something to consider.

Fidelity Guarantee provides cover for loss of money arising from fraud or dishonesty, e.g. embezzlement by an officer of the committee, including a gradual filtering of funds.

This is not included as standard but can be added subject to an additional premium, with a range of limits available to suit small to large organisations.

Hirers Liability cover is included as standard on our Village Hall policies. This extends your Public Liability insurance to cover certain users of your premises.

Hirers will generally be expected to have their own Public Liability cover, which is useful in case they are responsible for damaging your premises as your insurer can try to recover costs of repair from the hirer responsible. However some groups (like birthday parties or private functions) will not be expected to hold this cover. Your Hirers Liability extension of cover can accommodate some groups to help fill this gap.

You will need to follow any instructions within your policy, where applicable, to administer this cover extension to third party groups. Your insurer will also specify which hirers are able to benefit from the cover extension.

Charities and not-for-profit organisations like yourselves may hold sensitive information or use computer systems to run the organisation.  Claims are mostly made by organisations across three broad categories:

1. Theft of Funds: criminals may attempt to steal money via social engineering scams, Cyber Insurance which includes Cybercrime (and social engineering within) could reimburse you where banks may not if you’ve authorised a payment.
2. Data Breaches / Theft of Data: names and addresses stored on your computer network may be targeted in data theft occurrences, or other data subject to the UK’s GDPR legislation.
3. Ransomware / Damage to Digital Assets: if you high dependency on systems to help run the organisation, including a third party’s booking software for example, there’s potential for financial extortion if criminals manage to install ‘ransomware’ to your systems or a third party’s service you rely on. This could interrupt your activities and income, and leave your computer systems in need of replacing, something that Cyber insurance could cover you for.

All of the above examples could be an issue if an employee or volunteer simply loses a laptop or clicks on a phishing link from a fraudulent email, which is why it’s important to consider Cyber insurance to cover potentially severe financial losses.

If you would like more information on this cover then please don’t hesitate to contact us on the details below.

Personal Accident can be included within our Village Hall insurance policies. This provides cover for injury to employees, trustees, committee members or volunteers arising from an accident where no negligence has occurred. This is not to be confused with Employers Liability cover, which provides cover should a volunteer be injured due to your negligence.

If a volunteer were to suffer an injury whilst on committee business and is unable to work as a result, then the cover may provide a cash benefit to help with their loss of income. This cover would also pay larger lump sums for death or permanent disablement, which is why age limits are usually associated with this cover.

Public Liability is an essential component of any Village Hall or Charity Combined policy. Public Liability provides cover for injury to third parties or damage to their property which arises from the negligent activities of the policyholder.

Claimants would need to prove you’ve been negligent or ‘at fault’ for the injury they have suffered in order to make a successful claim against you. Your insurer will deal directly with any claim of this nature, only asking you to provide details of the incident where necessary. Provided that you can demonstrate you’re carrying out risk assessments (or performing other suitable risk management techniques), this should satisfy the insurer’s condition within the policy that states you have a ‘duty of care’ to hirers and anyone on the premises/attending an event run by you.

Depending on the policy, cover may be automatically included for fireworks and/or bonfire events providing that this is run by the Village Hall committee.

There will be conditions associated with running these types of events, as they present an increased risk to insurers. Please ensure you’ve understood the conditions applied to your policy and declared any events of this nature to us.

Employers Liability is a compulsory form of cover if you have employees the law requires you to hold Employers Liability cover for an indemnity limit of at least £5m. Public Liability is not compulsory at law and so no certificate is usually issued. Under our Village & Community Halls insurance policies, committee members and volunteers come under the definition of ‘employees’ within the Policy Wording, and so would be covered by the Employers Liability section. The insurance certificate must either be displayed where it can be seen by the employees and volunteers or made easily available to them in electronic format.

Yes! Our policies provide cover should you operate bouncy castles and other inflatables at your premises, cover would be included as standard providing that you:

1. Have disclosed this to us and it is reflected within your activities noted on the policy
2. You are meeting the bouncy castle conditions specified within your policy

If you’re unsure, please contact us to discuss this further.