Village hall insurance

Public liability insurance offers protection against third-party liability claims. This includes claims by visitors, volunteers, and other members of the public.

This means if they are injured or ill, or their property is damaged and they blame your village hall, medical fees, legal expenses and any settlement costs would be covered.

If your charity owns buildings, or is responsible for them under a maintenance agreement, you may need buildings insurance. You can extend this to include accidental damage and subsidence, and we can cover listed buildings such as churches, too. 

This means if a fire, flood, theft, accidental or malicious damage happens, for example to stock, donated goods or cash, your village hall's covered financially for resulting costs.  

This covers the cost of a claim if employees (and in most cases volunteers) have a work-related injury or illness and take action against your organisation. You'll need this cover by law if you employ anyone.

Trustee Indemnity insurance protects the personal liability of people in positions of authority. That’s your individual trustees, directors, governors, officers, and committee members.

With this cover, if a claim is made against them for committing a wrongful act – such as a breach of health and safety or wrongful dismissal – legal defence and compensation costs are covered. Without it, they’d potentially have to pay these costs out of their own pocket.

We can provide cover for your cars, vans, MPVs, and minibuses. Vehicle cover is on an any-driver basis, so staff and volunteers can be insured to drive your vehicles (if they meet age and experience criteria).

Unexpected events, like fires, floods, and storms, can stop a charity from doing its work – and even staying afloat. This covers lost income and additional costs if your village hall is unable to continue operating after this happens.  

This covers the cost of claims if someone accuses your organisation or staff of making mistakes in your services or advice. Legal fees and compensation costs for claims can be very high, but with this insurance in place, they’d be covered. 

This covers legal costs of disputes if your organisation needs to take legal action or defend itself, such as for contract disputes. 

Cyber insurance for charities protects you financially (and your reputation) if data breaches, malicious cyber hacks or other data security threats happen. It covers costs associated with these events, including IT forensics and loss of income.

It can also cover third-party liability if you’re sued for causing a data breach through mistakes or oversights. Specialist legal advice and expertise to help minimise the damage are also part of the package.

This can cover medical expenses, bills and other expenses if people at your organisation die or are seriously injured. Talk to us about our range of employee benefits.