Policy Details
If you would like more specific information on our policies then please download our documents below which should have all the information you require.
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Protecting your Village Hall
You can cover the buildings and contents with a Material Damage policy. The policy will cover damage to buildings and/or contents for repair or reinstatement and includes:
- ‘new for old’ cover
- architects, surveyors, and legal fees
- removal of debris (site clearance)
- newly acquired items/alterations to existing items
- computer system records up to £10,000
- personal effects and tools of any director, employee. trustee, volunteer, customer or visitor up to £1,000 per person provided they are not insured elsewhere
- the amount you are covered for increases each year automatically in line with buildings inflation unless you choose a different figure.
- up to £500 for replacement of locks following theft of keys.
All Risks
All Risks insurance may be added to your policy if required. It is for items taken out of the premises, such as trophies or laptops, and items permanently out in the open such as fixed play equipment. It is a comprehensive cover meaning all risks are insured such as loss, theft and damage. It is on a new for old basis so long as sums insured are adequate.
Business Interruption
As well as protecting your property and contents you can also protect against the additional costs or loss of income that can occur as a result of damage to buildings and contents with
Business Interruption insurance. For example:
- additional expenses, for example hiring alternative premises
- loss of revenue, for example loss of income from hirers
- accountants’ charges necessary to quantify a loss
Trustee and Trust Fund Indemnity Insurance
Trustee and Trust Indemnity insurance protects you if your Trustees or Committee members are alleged to have acted wrongly in their duty towards your organisation or if there is a breach of trust in accordance with your governing document (constitution). This insurance covers:
- damages and claimants’ costs
- defence costs.
Hirers’ Liability
If you hire your Hall to individuals or small groups who do not have their own public liability insurance you may wish to provide Hirers’ Liability insurance cover. This provides the hirer while using the Hall with cover against accidental damage to third party property and compensation for accidental injury to third parties up to a limit of £2,000,000
Cover also includes liability for accidental damage to the hired property up to a limit of £1,000,000.
Cover does not apply to business or political hirings.
Libel and Slander
You may also consider Libel and Slander cover. This covers
compensation sought by a third party where you have to pay damages for libel (written) or slander (spoken) in the course of your business.
It covers:
- employees, committee members, trustees or directors
- claims made during the policy period or notified within 12 months of cover expiring.
Do you have employees?
(Your liabilities in relation to volunteers are covered under the main public liability element.)
If you employ people, you are required by law to have employers’ liability insurance. The section below details the key features of
Employers’ liability cover and provides an overview of other types of insurance that might be relevant to your organisation.
Employers’ liability insurance provides compensation for your employees if they are injured through work.
This is legal requirement for anyone employed under a contract of service.
Cover includes:
- Damages and legal costs if an employee is injured or dies up to the amount of cover that’s been agreed.
- A minimum level of cover of £10,000,000
- Compensation for court attendance as a witness in connection with a claim under this policy.
- People on work experience with your organisation.
- Terrorism up to £5,000,000 covering injuries to employees that occur as a result of a terrorist available at additional cost?
Employee Dishonesty
If your employees or volunteers work closely with the organisation’s money or stock, you could also choose to take Employee Dishonesty insurance. Employee Dishonesty insurance covers your organisation`s money and property against dishonesty by your employees or volunteers during the course of their work.
As well as covering the value of the loss, it also covers investigation costs and expenses incurred in proving the loss, up to a maximum of 10% is over and above the limit of cover on your policy.
Money insurance
Cover includes:
- any loss of notes, coins, bill of exchange, luncheon vouchers, uncrossed cheques, giro cheques, postal orders, postage stamps, etc
belonging to you or for which you have responsibility.
- up to £1,500 for damage to personal effects following a robbery.
- replacement cost of franking machines, safes, strong rooms or security cases damaged as a result of a robbery.
- up to £1,000 to replace safe or strong room locks made necessary by theft of keys ( except where the keys have been left on premises closed for business purposes )
- personal accident cover for people assaulted while entrusted with money.
Committee members and other Volunteers
Public Liability covers accidental damage to third-party property and compensation for accidental injury to third parties where you are at fault.
It will cover you for at least £ 6,000,000 and includes:
- cover for volunteers
- legal costs
- costs incurred in defending any prosecution under the data protection act 1998 – fines, penalties and the cost of changing data are excluded
- costs incurred in defending any prosecution under the defective premises act 1972
- compensation for court attendance by employees or volunteers as a witness in connection with a claim under this cover
- costs incurred to defend any criminal proceedings relating to a breach of part II of the consumer protection act 1987
- costs incurred in defending prosecutions under the health and safety at work act
- financial lost suffered by a third party as a result of a negligent or accidental error committed by an employee or volunteer
Personal Accident
Personal accident cover provides compensation if a volunteer is injured or assaulted while working for you.
This insurance can cover:
- accidents and assault or just assault
- official duties in connection with the business or organisation, including commuting.
Money
Money cover is useful if your volunteers handle money at work, take money to the bank and/or if you have an overnight safe on your premises.
This cover includes:
- any loss of notes, coins, bill of exchange, luncheon vouchers, uncrossed cheques, giro cheques, postal orders, postage stamps, etc belonging to you for which you have responsibility
- up to £1,500 for damage to personal effects following a robbery
- replacement cost of franking machines, safes, strong rooms or security cases damaged as a result of a robbery
- up to £1,000 to replace safe or strong room locks made necessary by theft of keys (except where the keys have been left on premises closed for business purposes)
- personal accident cover for people assaulted while entrusted with money.
Terrorism
If you are concerned about the threat of a terrorist act you can take out
Terrorism insurance as an optional extension to your cover. This protects against loss or damage to property caused by acts of terrorism including biological, chemical or nuclear devices.
- we can provide quotes up to 42 days before the cover can start
- cover is available for properties in England, Scotland and Wales
- cover is also available for properties in the Channel Islands and the Isle of Man but is restricted to £5,000,000.