Community Group Insurance for Clubs, Associations, Volunteers, Activities and Events

Community Group Insurance is a broad description for insurance arranged around local clubs, voluntary organisations, associations, classes, community projects and related activities. The suitable arrangement can depend on participants, volunteers, employees, events, equipment and premises.

Community groups can be referred to a specialist broker. Explain the activities provided, participant groups, volunteers, venues, equipment and any events or fundraising.

Voluntary organisations may be considered whether they operate informally or as a more structured association.

Volunteer-led groups may be considered. Tell the broker what volunteers do and whether they lead activities, organise events or handle equipment.

Community associations may be considered where the regular activities, membership, premises and events are accurately described.

Residents' associations may be considered. Explain whether the group simply represents residents or also organises events, activities or has property-related responsibilities.

Neighbourhood groups may be considered for meetings, community projects, social activities and events.

Social clubs may be considered where the activities, participants and venues are declared.

Wellbeing-focused groups may be considered where the activities are social or community-based. Professional clinical or therapeutic services should be separately declared where relevant.

Support groups may be considered where the actual activities and any professional services are described accurately.

Hobby and interest groups may be considered. Tell the broker about the activities, equipment and any specialist risks involved.

Craft groups may be considered where the types of crafts, tools and workshops are declared.

Gardening groups and local planting projects may be considered where the work undertaken, tools and locations are described.

Arts groups may be considered where workshops, exhibitions, performances or other activities are accurately declared.

Music-based groups may be considered where the activities, equipment, venues and any performances are disclosed.

Parent groups may be considered where meetings, activities and participant arrangements are explained.

Parent and toddler groups may be considered. Tell the broker about the activities, venue and how adults and children participate.

Children's groups may be considered. Participant ages, activities, leaders and supervision arrangements should be declared.

Youth programmes may be considered where the participant ages, activities, staff and volunteers are accurately described.

Family groups may be considered where adults and children take part within the same programme.

Groups for older participants may be considered for social meetings, lunches, crafts, talks and other declared activities.

Intergenerational community programmes may be considered where the activities and participant groups are clear.

Community classes may be considered where the subject, tutor, participant numbers and venue are declared.

One-off or recurring workshops may be considered. Tell the broker about the activity, equipment and who delivers the session.

Educational talks, learning sessions and structured classes may be considered where the nature of the instruction is declared.

Paid tutors may form part of the organisation's activities. Explain whether they are employed, self-employed or independent providers.

Freelance tutors may be considered where their role and the activities they deliver are declared.

Guest speakers or presenters may form part of the group's programme. Explain what they provide where relevant.

Professional Indemnity may be relevant where the organisation or its providers deliver professional instruction, training, consultancy or advice.

Community fairs may be considered where the organiser provides details of visitors, stalls, activities, volunteers and venue responsibilities.

Fetes may be considered. Explain the location, activities, temporary equipment and any third-party traders.

Open days may be considered where members of the public attend the organisation's premises or activities.

Fundraising events may be considered where the format, visitor numbers and organiser responsibilities are declared.

Community markets may be considered. Tell the broker whether third-party traders attend and what responsibilities the organiser retains.

Exhibitions may be considered where display items, visitors and venue arrangements are described.

Performances may be considered where they form part of the declared activities. Significant entertainment activities should be described accurately.

Christmas fairs, summer fetes and other seasonal activities may be considered where the complete event is declared.

Family activity days may be considered where the organiser explains the activities, participant groups and event setup.

Larger community festivals may be considered, but they can involve more complex exposures than ordinary group activities. The full event should be declared.

Third-party traders may form part of an event. Explain the types of stalls and the responsibilities retained by the organiser.

Food traders may attend some events, but food and catering activities should be specifically declared.

Performers may form part of an event. The type of entertainment and organiser responsibilities should be disclosed.

Volunteers may help with setup, registration, stalls, directions, refreshments and cleanup. Their roles should be declared.

Gazebos and other temporary structures may form part of the event setup. Significant structures or unusual installations should be declared.

Yes. Community groups frequently operate from hired halls. Tell the broker what activities take place there and what responsibilities the group has.

Village halls may be used for meetings, classes, social activities and events.

Church halls or similar shared premises may be used by arrangement.

Yes. A group may use one or more rooms within a wider community centre.

Schools may provide halls or rooms for community use outside normal hours.

Library and public meeting rooms may be used for suitable activities where agreed.

Sports halls may be used where physical activity or larger events form part of the programme.

Established organisations may occupy dedicated community premises, clubhouses or offices.

Office space may be used by staff or volunteers for administration and coordination.

Some premises include kitchens or refreshment facilities. Food preparation and catering activity should be declared where relevant.

Yes. Multi-site groups may hold different activities at different locations.

Temporary or one-off venues may be considered where they are declared.

Committee members or staff may manage accounts, bookings, volunteers, marketing and other administration from home.

Online systems may be used for classes, activities and events.

Yes. Memberships and subscriptions may be collected digitally.

Donations may be collected through digital systems where appropriate.

Online event ticketing may form part of the organisation's operations.

Cyber Insurance may be relevant where the group relies on online payments, member records, email lists, websites or booking systems.

Yes. Social media can be used for promotion, member communication and event information.

Tables, chairs, gazebos, computers, projectors, speakers and other organisational property may need consideration.

Computers and laptops used for administration or events may form part of Business Contents or portable-equipment requirements.

Presentation equipment may be considered where it belongs to the organisation.

Portable speakers, microphones and PA equipment may need consideration where owned by the group.

Portable radios used by volunteers or event organisers may form part of the equipment requirement.

Equipment used for regular community activities may be considered where the type and value are declared.

Sports equipment may be considered, but the sporting activities themselves should also be declared.

Groups may sell branded clothing, promotional items or fundraising goods where this forms part of the organisation.

Stock may include event goods, fundraising products or merchandise held for sale.

Product Liability may be relevant where the organisation sells, supplies, imports or own-brands physical goods.

Equipment may be stored at an organiser's home where this is declared and suitable under the arrangement.

Garage storage may be considered, subject to the available arrangement and security requirements.

Outbuildings may be used for group property where the location and values are declared.

Some groups may leave equipment at their regular venue. This should be disclosed rather than assumed to be covered automatically.

Yes. Larger organisations may use dedicated commercial storage.

Self storage may be used for event equipment, tables, gazebos, stock and seasonal property.

Business or organisational property held in self storage may need a suitable arrangement based on the goods, values and location.

Yes. Property may be split between premises, volunteers' homes and external storage. All material locations should be declared.

Goods in Transit may be relevant where equipment or stock regularly moves between venues, events and storage.

Volunteers may transport group equipment, but this should not be confused with motor insurance for the vehicle itself.

Do not assume so. Unattended-property and security conditions may apply.

Public Liability can be a central consideration where members, participants, visitors or other members of the public interact with the organisation.

Public Liability can be relevant to voluntary organisations where their activities create third-party exposures.

Volunteer activities may form part of the organisation's overall insurance requirements. Their roles should be declared accurately.

This depends on whether the organisation employs staff and the applicable legal requirements.

Yes. Established organisations may employ coordinators or community workers.

Administrative staff may form part of the organisation.

Some groups employ people to lead sessions or programmes.

Self-employed tutors may be used where their working arrangements are clearly described.

Business Contents may be relevant to furniture, computers, activity equipment and other organisational property.

Portable property may need consideration where it is regularly used away from the organisation's premises.

Stock cover may be relevant where the group holds merchandise or fundraising goods for sale.

Commercial Property may be relevant where the organisation owns or has responsibility for dedicated premises.

Business Interruption may be relevant where insured damage to premises or equipment materially disrupts the organisation's activities.

Yes. Many groups provide a mixture of social, educational, creative and recreational activities. The full programme should be declared.

Be ready to explain what the group does, participant ages where relevant, volunteers, employees, tutors, venues, events, visitor numbers, equipment, stock, online systems, premises, storage arrangements and any specialist activities. ---