What does allotment association insurance cover?
Within your insurance portfolio, you can include a variety of different policies to cover a range of aspects associated with running and operating an allotment or community garden. These include:
- Public Liability Insurance – This protects you financially if a member of the public, a visitor, or an allotment holder is injured or their property is damaged
- Employers’ Liability Insurance – legally required if you employ staff and may also provide protection for volunteers, depending on the policy
- Property Damage insurance – This provides financial cover for the repair or replacement of any buildings or structures on the allotment, including fences, gates, sheds, communal buildings, and polytunnels
- Contents Insurance – This is designed to cover any machinery or tools that are part of the communal equipment or as part of an individual’s allotment insurance, such as lawnmowers, tools, and strimmers
- Trustee Indemnity – As a non-profit organisation, it’s important to have financial cover insurance that protects committee members and officers against claims of negligence
- Legal Expenses Insurance – Provides financial cover for the legal costs arising from disputes and legal claims.
- Money Cover – Covers any money, such as funds and allotment payments.
The different types of allotment association insurance
At Park Insurance, we appreciate that no two allotment associations are the same. We source insurance specifically designed for different types of clients, including:
- Insurance for individual plot holders – Designed for plot holders to protect items such as tools, structures they’ve installed on their allotment, and personal equipment
- Insurance for associations and societies – Designed for those who manage and operate community gardens, allotment associations and horticultural societies
- Insurance for groups or events – Cover for one-off events, regular gatherings and group events.
Does the insurance cover all tools and equipment?
Not always. It is important to check the level of cover for tools and equipment, as an allotment association insurance policy may not cover individual members’ items, only those belonging directly to the association or trust.
Dig for success with Park Insurance
For over 30 years, Park Insurance has been working with the community, individuals, and businesses to provide clear, practical and affordable insurance cover. Our position as preferred brokers to some of the UK’s largest insurance providers allows us to source insurance that suits you and your needs, letting you tailor your portfolio to your specific requirements. You can find out more by using our Get A Quote button for an instant, no-obligation quote, or contact one of our team members directly for a one-to-one consultation. Call us today.