Senior Citizens Club Insurance for Social Groups, Activities, Volunteers and Events

Specialist Insurance Support for Senior Citizens Clubs and Older People's Groups

From small friendship groups and lunch clubs to established associations running activities, outings, classes and events, insurance requirements can depend on what the organisation provides, where meetings are held and whether volunteers or employees are involved.

Quote Monkey can introduce suitable enquiries to a specialist broker who can consider senior citizens clubs, older people's groups, volunteers, employees, events, equipment, hired premises and other declared activities.

Request a Specialist Senior Citizens Club Insurance Quote

Clubs & Social Groups • Volunteers & Employees

Activities & Classes • Events & Hired Halls

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Insurance for Senior Citizens Clubs and Social Groups

Senior citizens clubs can range from small volunteer-led groups meeting occasionally to established organisations with regular programmes, committees, paid staff and their own premises. The specialist broker should understand the whole organisation rather than relying only on a broad description such as senior club.

Senior Citizens Clubs

Clubs may arrange: social meetings games crafts talks refreshments entertainment outings and seasonal activities.

Older People's Clubs

Older people's clubs may operate in community halls, social centres or dedicated premises.

Pensioners Clubs

Pensioners groups may organise regular meetings, activities and events for retired members.

Retirement Groups

Retirement groups may focus on social participation, hobbies, talks and organised outings.

Friendship Groups

Friendship clubs can centre around conversation, refreshments and community connection.

Social Clubs

Senior social clubs may run several different activities throughout the year.

Lunch Clubs

Lunch clubs may meet weekly, fortnightly or monthly. Where the club provides food directly rather than using an external caterer or venue, this should be declared.

Coffee Morning Groups

Coffee mornings may include: refreshments games guest speakers fundraising and social activities.

Day Groups

Day groups may run longer sessions combining several activities.

Games Clubs

Activities can include: cards dominoes board games quizzes and other recreational games. Any regulated gaming or gambling activity should be separately declared.

Hobby Groups

Hobby-based groups may focus on: local history gardening photography crafts music or other interests.

Club Membership

Some groups operate formal memberships or subscription systems.

Committees

Organisations may be managed by: chairs secretaries treasurers committee members and volunteers.

Volunteers

Volunteers may help with: meetings refreshments activities membership administration events equipment and fundraising.

Volunteer Leaders

Some clubs rely on volunteers to lead regular sessions.

Employees

Larger organisations may also employ coordinators, administrators or activity staff.

Multiple Regular Activities

Where several different activities are provided under one club, the whole programme should be declared.

Insurance for Senior Club Activities and Workshops

Many senior clubs provide more than purely social meetings. The specialist broker should understand the full range of classes, workshops and organised activities.

Craft Sessions

Groups may arrange: knitting sewing painting drawing flower arranging and other creative activities.

Hobby Workshops

Clubs may bring in tutors to run one-off or recurring sessions.

Local History Talks

Guest speakers may provide talks and presentations.

Educational Sessions

Sessions may cover: digital skills arts history gardening photography or other subjects.

Computer and Digital Skills

Some groups may provide introductory digital-skills sessions.

Creative Activities

Creative programmes can include writing, arts and crafts or music-based activities.

Gentle Activity Sessions

Some clubs may provide low-intensity recreational activities. Keep the wording general and do not imply medical or therapeutic treatment.

Wellbeing Activities

Social, creative or recreational activity may be promoted as supporting general wellbeing. Do not describe a service as clinical, therapeutic or healthcare-related unless this is genuinely part of the operation and has been separately declared.

Guest Tutors

Clubs may engage external tutors or activity leaders.

Paid Activity Leaders

Some organisations pay individuals to run specific sessions.

Freelance Tutors

Self-employed tutors may work with several community organisations.

Guest Speakers

External speakers may provide educational or entertainment sessions.

Music and Entertainment Sessions

Clubs may arrange: singers musicians performers quiz hosts or other entertainment. Where entertainment becomes a substantial part of the organisation, it should be declared.

Professional Indemnity

Professional Indemnity may be relevant where the organisation itself provides professional instruction, education or advice. Do not make it a dominant theme for a straightforward social club.

Public Liability

Public Liability can be particularly relevant where participants attend organised activities.

Specialist Activities

Where the club provides a materially different specialist activity, disclose it separately rather than assuming it fits automatically within general senior-club cover. # First specialist referral CTA — immediately after Panel 2 ## Looking for Senior Citizens Club Insurance? Whether you run a friendship group, lunch club, social club, activity programme or established senior citizens association, tell us how the organisation works. Include the activities provided, where meetings take place, volunteers or employees, classes, events, outings, equipment and any premises used. Quote Monkey can introduce suitable enquiries to a specialist broker who can consider insurance options based on the activities declared. CTA button: Request a Specialist Senior Citizens Club Insurance Quote CTA destination: https://www.quotemonkey.co.uk/specialist-referral-enquiry Place this CTA immediately after Panel 2 and before Panel 3.

Older people taking part in an organised senior club activity with a volunteer leader

Looking for Senior Citizens Club Insurance?

Whether you run a friendship group, lunch club, social club, activity programme or established senior citizens association, tell us how the organisation works.

Include the activities provided, where meetings take place, volunteers or employees, classes, events, outings, equipment and any premises used.

Request a Specialist Senior Citizens Club Insurance Quote

Insurance for Senior Club Events and Outings

Events and outings should be clearly distinguished from ordinary regular club meetings.

Organised Outings

Clubs may arrange: garden visits museum visits theatre visits meals heritage visits attraction visits and other day activities.

External Venues

Outings may take place at third-party premises rather than the club's usual hall.

Coach Hire

Groups may book transport from independent coach operators. The broker should understand whether the club simply books third-party transport or assumes any wider responsibility.

Minibus Hire

If the organisation hires or operates minibuses itself, this should be declared separately. Do not imply motor insurance is included within the club policy.

Day Trips

Day trips may involve larger groups and multiple venues.

Seasonal Social Events

Clubs may arrange: Christmas lunches summer events anniversary celebrations parties and member gatherings.

Fundraising Events

Fundraising activities may include: coffee mornings craft sales fairs sponsored activities and other community events.

Fairs and Sales

Fundraising fairs may include: stalls visitors volunteers goods for sale and refreshments.

Open Days

An open day may attract visitors who do not normally attend the club.

Community Events

Larger organisations may participate in or organise community events.

Guest Entertainment

Events may feature external entertainers or performers.

Visitor Numbers

Expected visitor numbers can affect the nature of an event.

Volunteers at Events

Volunteers may help with: setup refreshments registration seating stalls and cleanup.

Temporary Equipment

Events may use: gazebos tables signage decorations PA equipment or other temporary property.

Fundraising Stock

Goods held for sale at events may require Business Stock consideration.

Product Liability

Product Liability may become relevant where the organisation makes or supplies physical products.

Event Public Liability

Public Liability can be particularly relevant where visitors or members of the public attend club events. Do not imply that every event size or format is automatically acceptable.

Senior citizens club members and volunteers preparing an organised community social event

Where Senior Citizens Clubs Operate

Senior clubs can operate from a wide range of premises.

Community Halls

A group may hire a community hall for regular meetings.

Village Halls

Village halls are common locations for local social and activity groups.

Church Halls

Church halls may be used under regular hire arrangements.

Community Centres

A group may occupy only one part of a larger centre.

Social Centres

Older people's groups may meet in shared social or community centres.

School Premises

Some clubs may use school halls or meeting rooms outside normal school hours.

Clubhouses

Larger associations may have access to dedicated clubhouses.

Dedicated Club Premises

Dedicated premises may include: meeting rooms activity spaces offices storage rooms kitchens reception areas and social spaces.

Kitchens

Where the club operates a kitchen or prepares refreshments, this activity should be accurately described.

Offices

Administrative staff or volunteers may use separate office space.

Multiple Locations

A group may hold: social meetings in one hall activities elsewhere events at other venues and equipment at a separate storage location.

Working From Home

Committee members or administrators may manage: accounts membership event planning bookings communications and website administration from home. Use the approved contextual link: Working From Home Insurance https://www.quotemonkey.co.uk/business/working-from-home-insurance

Home Offices

Club records and computers may be kept at an administrator's home.

Commercial Property

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

Business Contents

Business Contents can include: furniture computers kitchen equipment activity equipment and other club property.

Business Interruption

Where a club relies on dedicated premises, insured damage can materially interrupt meetings and activities.

Insurance for Senior Club Equipment and Property

Even small clubs can accumulate substantial equipment over time.

Tables and Chairs

Some organisations own portable or permanent furniture.

Computers and Laptops

Digital equipment may be used for membership, accounts or presentations.

Projectors

Groups may use projectors for talks or presentations.

Speakers and PA Equipment

Portable sound equipment may be used for entertainment or larger events.

Games Equipment

Groups may own: cards board games quiz equipment games tables and recreational property.

Craft Materials

Creative groups may hold: art supplies fabric tools paper and other materials.

Kitchen Equipment

Groups operating refreshments may own kettles, urns and other equipment.

Event Equipment

Property may include: gazebos signage display boards decorations tables and storage boxes.

Fundraising Stock

Groups may hold: craft products branded goods event stock or other items for sale.

Home Storage

Volunteers or organisers may keep club property at home.

Garage Storage

Bulky equipment may be kept in a garage.

Outbuilding Storage

Club property may also be stored in suitable outbuildings.

Storage at Regular Premises

Some equipment may remain at the community hall or clubhouse between meetings.

External Storage

More established organisations may use a separate storage location.

Self Storage

Self storage may be useful for: event equipment seasonal decorations furniture signage craft materials and stock. Use the approved contextual links: Storage Insurance https://www.quotemonkey.co.uk/storage/storage-insurance Business Goods and Stock in Self Storage https://www.quotemonkey.co.uk/business-goods-and-stock-in-self-storage

Multiple Storage Locations

Property may be divided between: club premises volunteers' homes garages and external storage.

Goods in Transit

Goods in Transit may be relevant where equipment or stock regularly moves between locations.

Event Transport

Volunteers may transport equipment to fairs or activities.

Vehicles

Do not imply that cars or minibuses are insured within the club policy.

Equipment Left in Vehicles

Do not assume unattended club property in a vehicle is automatically covered.

Insurance Considerations for Senior Citizens Clubs

The suitable arrangement depends on how the club operates, who is involved and what activities it provides.

Public Liability Insurance

Public Liability can be a central consideration where members, visitors, venue owners or other third parties interact with the club.

Member Injuries

A member may allege injury during a declared activity. Do not imply every accident automatically results in an insured claim.

Visitor Injuries

Open days and events can bring additional visitors into contact with the organisation.

Hired Venue Damage

A club could face allegations involving damage to a hired hall or other third-party property.

Employers' Liability Insurance

Employers' Liability may be required where staff are employed. Potential employees can include: coordinators administrators activity leaders catering staff caretakers or other workers.

Volunteers

Volunteer roles should be accurately declared.

Volunteer-Led Activities

Where volunteers lead sessions or handle equipment, explain this to the specialist broker.

Professional Indemnity Insurance

Professional Indemnity may be relevant where the organisation provides professional tuition, education or advice.

Business Contents Insurance

Business Contents may include: computers furniture activity equipment sound equipment kitchen equipment and other club property.

Portable Equipment

Portable property may need consideration away from the main premises.

Business Stock Insurance

Stock may include fundraising goods, merchandise or other items held for sale.

Product Liability Insurance

Product Liability may be relevant where physical goods are manufactured, sold, supplied, imported or own-branded.

Goods in Transit Insurance

Potentially relevant where club property or stock moves regularly.

Commercial Property Insurance

Potentially relevant where the organisation owns or has responsibility for dedicated premises.

Business Interruption Insurance

Potentially relevant where insured damage to important premises or equipment materially disrupts activities.

Cyber Insurance

Cyber exposure can arise through: membership databases email lists event bookings online payments websites and digital records.

Online Payments

Membership fees or event charges may be collected digitally.

Member Records

Names, contact details and other information may be stored electronically.

Multiple Activities

Where a club provides several very different activities, the complete programme should be declared.

Care or Health Services

If the organisation provides personal care, regulated care, medical services, therapy or other professional health services, these should be specifically declared rather than treated as ordinary senior-club activity.

Looking for Senior Citizens Club Insurance?

Whether you run a friendship group, lunch club, social club, retirement group, activity programme or established association, tell us how the whole organisation works.

Include the activities provided, volunteers or employees, venues, outings, fundraising, events, equipment, stock, online systems and any dedicated premises or storage locations.

Request a Specialist Senior Citizens Club Insurance Quote

Frequently Asked Questions

What is Senior Citizens Club Insurance?▼

Senior Citizens Club Insurance is a broad description for insurance arranged around senior clubs, pensioners groups, retirement groups, friendship groups, lunch clubs and related organisations. The suitable arrangement can depend on activities, volunteers, employees, events, premises, equipment and other responsibilities.

Can a senior citizens club get insurance?▼

Senior citizens clubs can be referred to a specialist broker. Explain the regular activities, member numbers, volunteers, venues, outings and any events or fundraising.

Can an older people's club get insurance?▼

Older people's clubs may be considered whether they meet occasionally or operate a more established programme of activities.

Can a pensioners club get insurance?▼

Pensioners clubs may be considered for regular meetings, social activities, outings, entertainment and events.

Can a retirement group get insurance?▼

Retirement groups may be considered where the activities, members, venues and organisers are declared.

Can a friendship group get insurance?▼

Friendship groups may be considered for regular social meetings and organised activities.

Can a senior social club get insurance?▼

Senior social clubs may be considered where their meetings, activities, events and premises are accurately described.

Can a senior lunch club get insurance?▼

Lunch clubs may be considered. Tell the broker where meetings take place and who prepares or supplies the food.

Can an older people's lunch club get insurance?▼

Older people's lunch clubs may be considered where the catering and venue arrangements are declared.

Can a pensioners lunch club get insurance?▼

Pensioners lunch clubs may be considered whether they meet at community premises, hospitality venues or other locations.

Can a coffee morning group get insurance?▼

Coffee mornings may be considered where refreshments, activities and venue responsibilities are described.

Can a senior day group get insurance?▼

Day groups may be considered where the programme of activities and people responsible for delivery are declared.

Can a senior activity club get insurance?▼

Activity clubs may be considered where the complete range of social, creative or recreational activities is disclosed.

Can a senior hobby group get insurance?▼

Hobby groups may be considered where the specific activities and any equipment are accurately described.

Can a senior craft group get insurance?▼

Craft groups may be considered for knitting, sewing, painting and other declared creative activities.

Can a senior games club get insurance?▼

Games clubs may be considered for cards, dominoes, board games, quizzes and similar activities.

Can a senior wellbeing group get insurance?▼

Social and recreational wellbeing groups may be considered where the activities are accurately described. Professional clinical or therapeutic services should be separately declared.

Can a senior citizens association get insurance?▼

Associations with committees, memberships, premises or larger programmes may be considered where the whole organisation is disclosed.

Can a senior community organisation get insurance?▼

Community organisations operating several groups or activities may be considered where the complete programme is explained.

Can volunteers be included?▼

Volunteers may form part of the organisation. Tell the broker what duties they perform.

Can volunteer leaders run senior club activities?▼

Volunteer-led activities may be considered where the sessions and responsibilities are declared.

Can committee members be included?▼

Committee members may form part of the organisation's structure and should be included when describing how the club operates.

Can a senior club employ staff?▼

Yes. Larger organisations may employ coordinators, administrators, activity staff or other workers.

Can a senior club employ a coordinator?▼

A paid coordinator may form part of the organisation where the employment arrangement is declared.

Can a senior club employ administrative staff?▼

Administrative employees may be included where appropriate.

Can a senior club use freelance tutors?▼

Freelance or self-employed tutors may deliver specialist sessions where their role is declared.

Can a senior club invite guest speakers?▼

Guest speakers may form part of regular or occasional programmes.

Can a senior club arrange craft workshops?▼

Craft workshops may be considered where the activity, materials and tutor arrangements are declared.

Can a senior club arrange educational sessions?▼

Educational talks and classes may form part of the organisation's programme.

Can a senior club arrange digital-skills classes?▼

Digital-skills sessions may be considered where the activities and people delivering them are described.

Can a senior club arrange photography activities?▼

Photography groups or sessions may be considered where the activity is accurately declared.

Can a senior club arrange music activities?▼

Music sessions may be considered where the type of activity and any equipment are explained.

Can a senior club arrange gentle exercise sessions?▼

Low-intensity activity may be considered where the exact session is declared. Do not assume all physical activities are automatically included.

Can a senior club arrange entertainment?▼

Entertainment such as singers, musicians or quiz hosts may be considered where it forms part of the declared programme.

Can a senior club organise outings?▼

Organised outings may be considered where the destination, organiser responsibilities and transport arrangements are described.

Can senior clubs organise theatre outings?▼

Theatre visits may form part of the club's wider outings programme.

Can senior clubs organise museum visits?▼

Museum and heritage visits may be considered where the organisation's role is clear.

Can senior clubs organise garden visits?▼

Garden or attraction visits may form part of an organised programme.

Can senior clubs organise meals away from their normal venue?▼

Restaurant or hospitality outings may be considered as part of the declared activities.

Can a senior club hire a coach for an outing?▼

Third-party coach hire may form part of an organised outing. Explain whether the club simply books transport or has any additional responsibilities.

Can a senior club hire a minibus?▼

Minibus arrangements should be declared, particularly where the club itself hires, owns or operates the vehicle.

Does Senior Citizens Club Insurance include motor insurance?▼

Do not assume so. Any owned, hired or operated vehicles may require separate consideration.

Can a senior club organise fundraising events?▼

Fundraising events may be considered where the activities, venue and visitor numbers are declared.

Can a senior club hold a coffee morning fundraiser?▼

Coffee mornings may form part of fundraising activity where declared.

Can a senior club hold a craft sale?▼

Craft and fundraising sales may be considered where the goods and organiser responsibilities are explained.

Can a senior club organise a fair?▼

Fairs may be considered where stalls, visitors, volunteers and any refreshments or entertainment are declared.

Can a senior club organise an open day?▼

Open days may be considered where visitors who are not regular members attend.

Can a senior club organise a Christmas event?▼

Seasonal lunches, parties and other festive events may be considered where declared.

Can a senior club organise a summer event?▼

Summer events may form part of the organisation's programme where the venue and activities are explained.

Can a senior club hold anniversary celebrations?▼

Member celebrations or anniversary events may be considered.

Can a senior club invite members of the public to events?▼

Public attendance should be declared because it may change the event exposure.

Can volunteers help at senior club events?▼

Volunteers may assist with setup, refreshments, seating, stalls and cleanup.

Can temporary equipment be used at club events?▼

Gazebos, signs, tables, decorations and other temporary equipment may form part of an event where declared.

Can a senior club hire a community hall?▼

Yes. Community halls are common premises for senior clubs and groups.

Can a senior club use a village hall?▼

Village halls may be considered for regular meetings and activities.

Can a senior club use a church hall?▼

Church halls or similar shared premises may be used where agreed.

Can a senior club use a community centre?▼

Community centre rooms may be used for meetings, classes and activities.

Can a senior club use a social centre?▼

Shared social or community centres may be used where declared.

Can a senior club use school premises?▼

School rooms or halls may be used outside normal school hours where appropriate.

Can a senior club have its own clubhouse?▼

Larger clubs may operate from dedicated club premises.

Can a senior citizens association own premises?▼

An established association may own or have responsibility for dedicated premises, subject to the available insurance arrangement.

Can a senior club have a kitchen?▼

Kitchens may form part of club premises. Food preparation or catering activity should be accurately declared.

Can a senior club have an office?▼

Administrative office space may form part of dedicated premises.

Can a senior club operate from several venues?▼

Yes. A group may meet in one location, hold activities elsewhere and organise events at additional venues.

Can a senior club be administered from home?▼

Committee members or staff may handle accounts, memberships, communications and event planning from home.

Can club records be kept at home?▼

Club records and computers may be kept in a home office where this forms part of the declared arrangement.

Can a senior club use a website?▼

Websites may be used for information, membership, event details and enquiries.

Can a senior club manage memberships online?▼

Membership applications and subscriptions may be managed digitally.

Can a senior club take payments online?▼

Membership fees or event charges may be collected through online payment systems.

Can a senior club use online event booking?▼

Online registration may be used for outings, lunches or other activities.

Can a senior club store member information electronically?▼

Yes. Member details may be held digitally, creating potential cyber considerations.

Can Cyber Insurance be relevant to a senior citizens club?▼

Cyber Insurance may be relevant where the organisation relies on digital records, payments, email systems, websites or booking platforms.

Can a senior club use social media?▼

Social media may be used for club updates, event promotion and community communication.

Can senior club furniture be insured?▼

Tables, chairs and other club-owned furniture may need Business Contents consideration.

Can computers be insured?▼

Club-owned computers and laptops may form part of Business Contents.

Can projectors be insured?▼

Projectors used for talks or presentations may form part of the equipment requirement.

Can PA equipment be insured?▼

Speakers and portable sound systems may need consideration where owned by the organisation.

Can games equipment be insured?▼

Games and recreational equipment may form part of club property.

Can craft equipment be insured?▼

Craft materials and equipment may be considered where owned by the club.

Can kitchen equipment be insured?▼

Club-owned kitchen or refreshment equipment may form part of the business contents requirement.

Can event gazebos be insured?▼

Gazebos and other event equipment may need consideration as club property.

Can event signs and displays be insured?▼

Signs, banners and display equipment may form part of the organisation's contents.

Can fundraising stock be insured?▼

Goods held for fundraising or sale may require Business Stock consideration.

Can a senior club sell merchandise?▼

Branded goods or fundraising merchandise may be sold where this forms part of the declared operation.

Can Product Liability Insurance be relevant?▼

Product Liability may be relevant where physical goods are made, sold, supplied, imported or own-branded.

Can club equipment be stored at home?▼

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

Can club equipment be stored in a garage?▼

Garage storage may be considered, subject to the type of property, values and security requirements.

Can senior club property be stored in an outbuilding?▼

Outbuilding storage may be considered where the location and values are declared.

Can equipment be stored at a community hall?▼

Some venues allow groups to leave property between meetings. This should be disclosed rather than assumed to be covered automatically.

Can senior clubs use commercial storage?▼

Larger clubs or organisations may use separate storage premises.

Can senior clubs use self storage?▼

Self storage may be useful for event equipment, furniture, decorations, signage and other club property.

Can senior club property be kept at several locations?▼

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

Can Goods in Transit Insurance be relevant?▼

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

Can volunteers transport equipment?▼

Volunteers may transport club property, but this should not be confused with motor insurance for the vehicle.

Is club equipment automatically covered when left in a vehicle?▼

Do not assume so. Security and unattended-property conditions may apply.

Does a senior citizens club need Public Liability Insurance?▼

Public Liability can be a central consideration where members, visitors, venue owners or other third parties interact with the club.

Does an older people's club need Public Liability Insurance?▼

Public Liability may be relevant where the club provides regular activities or uses third-party premises.

Can Public Liability be relevant to outings?▼

Public Liability considerations may arise from the club's organising responsibilities, depending on the circumstances.

Does a senior club need Employers' Liability Insurance?▼

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

Can volunteers be covered in the club's insurance arrangement?▼

Volunteer roles may form part of the organisation's overall insurance requirements and should be described accurately.

Can Professional Indemnity Insurance be relevant?▼

Professional Indemnity may be relevant where the organisation itself provides professional tuition, training or advice.

Can Business Contents Insurance be relevant?▼

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

Can portable equipment be insured?▼

Portable property may need consideration where it is regularly used away from the main premises.

Can Business Stock Insurance be relevant?▼

Stock cover may be relevant where fundraising goods or merchandise are held for sale.

Can Commercial Property Insurance be relevant?▼

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

Can Business Interruption Insurance be relevant?▼

Business Interruption may be relevant where insured damage to premises or important equipment materially disrupts club activities.

Can a senior citizens club provide care services?▼

If the organisation provides personal care, regulated care, healthcare or similar professional services, these should be specifically declared rather than treated as ordinary senior-club activity.

Can a senior club provide therapy?▼

Professional therapy or treatment services should be separately declared and considered on their own merits.

Can a senior club combine several activities?▼

Yes. Many clubs combine social, educational, creative and recreational activities. The full programme should be declared.

What information is needed for a Senior Citizens Club Insurance enquiry?▼

Be ready to explain the club's activities, member numbers, volunteers, employees, tutors, venues, outings, events, fundraising, equipment, stock, online systems, dedicated premises, storage arrangements and any specialist services.