Insurance policies for Community organisations
Whether you run a local football club, a weekly chess club, or an art group, you’ll need insurance tailored to your particular community activity group.
If you are a club or group administrator and responsible for arranging a policy that safeguards members and guests, you will need to consider:
- Insuring your Club’s assets: equipment and buildings (your premises)
- Coverage for any events
- Financial protection around guests, volunteers, and staff
- Public & Employers’ Liability Insurance
- Directors & Officers Liability Insurance
Employers’ Liability Insurance
If you run a sports or social activities organisation, and employ people to help you run it, you will need Employers’ Liability Insurance. This type of coverage is a legal requirement in the UK. It is used to pay for compensation claims and legal fees associated to an employee of yours (including volunteers and temporary staff) becoming ill or injured because of a work-related incident. Without Employers’ Liability your organisation might have to pay legal costs and awards which could have a negative impact on your organisation.
Public Liability Insurance
Community organisations often have a wide range of different visitors. Should a member of the public have an accident or suffer injury at your premises, you could face a hefty lawsuit. Public Liability Insurance can cover the associated legal fees and awards, protecting your community group from unbudgeted costs.
Property Insurance
Whether you own the building or have a commercial lease making you responsible for insurance, it is vital to take out Buildings Insurance to protect yourself against the loss or damage to the structure, for example, fire, storm damage, vandalism.
The Property Insurance policies we provide can also insure your equipment and contents for property damage, loss, theft and vandalism, so if an insured event impacts your items, you can repair or replace your assets and investments.
Event Insurance
Fundraising events, social gatherings, and tournaments can be a regular occurrence for your community group, especially if you run a charity, sports club, or hobby group. We can source appropriate Event Insurance for your organisation that protects it for insured incidents such as:
- Cancellation
- Liability (Public and Employers’)
- Property damage
Directors & Officers Liability Insurance | Trustees Indemnity Insurance
Group Insurance for Directors & Officers (D&O) Liability, and Trustees Indemnity Insurance provides collective protection for individuals in leadership roles against claims arising from alleged wrongful acts, errors, or omissions made in the course of their duties. These policies typically cover legal defence costs, settlements, and damages, and protect their personal assets from related costs.
Tailored Insurance Solutions
At Lloyd & Whyte Community Broking, we understand that every community group and club is unique. That’s why our experienced brokers take the time to get to know your organisation, working on gaining a clear understanding of your activities, responsibilities, and risk profile. By talking to you we can then arrange bespoke insurance at competitive prices.
Insurance can feel complex, but we make the process clear and manageable. From your initial consultation through to policy inception and ongoing support, our team provides straightforward explanations and trusted advice, ensuring you understand your cover and can make confident, informed decisions.
Trust our Team
Ongoing Support and Claims Management
Should a claim arise, our dedicated team is on hand to support you every step of the way. We appreciate that the claims process can be challenging, so we focus on making it as smooth and efficient as possible. Working closely with you, we provide clear guidance and ongoing assistance to help achieve a fair and timely outcome, enabling you to stay focused on the day-to-day running of your club.
To arrange your community group insurance policy, contact us today.