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Our specialist insurance for community centres and village halls offers comprehensive protection against a whole host of risks.
Village halls and community centres often sit at the heart of local life, hosting everything from social events and classes to support groups and community meetings. With regular footfall, volunteers, hired activities, and valuable buildings or equipment, these venues can carry important responsibilities.
Markel Direct can help to protect against accidents, property damage and legal claims, allowing trustees and managers to focus on keeping their hall or centre open, safe, and welcoming for everyone who relies on it.
Cover at a glance:
- Public liability cover up to £10m
- Employers’ liability for staff and volunteers
- Trustee indemnity for management decisions
- Cover for buildings, contents and equipment
What is village hall and community centre insurance?
Village hall and community centre insurance refers to a specialist group of insurance covers designed for venues that are owned or managed for community use. These venues may include village halls, community centres, church halls, and similar shared spaces that host a wide range of activities and events.
Our specialist policy can be tailored to cover the physical building, contents, and equipment of your hall or centre, protecting against flood, fire and other disasters, as well as offering protection against personal injury claims, such as a visitor slipping on a wet floor or an employee falling down a flight of stairs.
Policies can be tailored to include a selection of covers, such as public liability, employers’ liability where staff or volunteers are involved, and property damage cover for buildings, fixtures, and equipment.
Cover starting at
£3 a month
Why do I need village hall and community centre insurance?
Running a village hall or community centre involves a duty of care to everyone who uses the space as regular public access, hired activities, and volunteer involvement all increase the likelihood of accidents or claims. A visitor could slip and injure themselves, equipment could be damaged, or a claim could arise following an incident during an event. Without insurance, the costs of legal defence, compensation, or repairs would need to be paid from the organisation’s own funds, which could place the future of the venue at risk. Trustees and committee members may also be left vulnerable if appropriate cover is not in place.
In addition to our specialist cover, you can benefit from access to a 24 hour legal advice helpline, manned by qualified solicitors and barristers, and our legal document hub to help handle any tricky legal situations that can occur in the running of your hall or centre without paying for a solicitor.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Insure your community group with these specialist covers
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Public liability insurance and employers' liability insurance
To ensure comprehensive protection against claims, we group our public liability insurance and employers' liability insurance together.
Public liability insurance covers the cost of defending your village hall or community centre if someone is injured, or their property damaged, due to your negligence. An example could be if a visitor slipped on a wet floor and injured themselves. Without cover in place, the legal fees and compensation payments could run into thousands of pounds. Cover for £5m.
Employers' liability insurance is a legal requirement if you employ staff or volunteers. It covers against allegations of injury or illness suffered by staff during their employment. If youvillage hallf or community centre has employees or volunteers, this cover is essential. Cover for £10m.
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Property damage insurance
Property damage insurance covers your village hall or community centre's buildings, contents (including stock) and computer equipment against a wide range of damage, including theft, fire, flooding and more.
Additionally, you can choose to insure portable equipment belonging to your hall (such as laptops and mobile phones), and we also offer cover for additional trading expenses following an interruption to your hall or centre's activities (for example, a flood that means that your hall or centre has to operate from another premises).
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Professional indemnity insurance and trustee indemnity insurance
To ensure comprehensive protection against claims, we group our professional indemnity insurance and trustee liability insurance together.
Professional indemnity insurance covers the cost of defending your village hall or community centre against allegations of professional negligence. This could be, for example, if a member of staff accidentally double books a room for an important event, and the group that are unable to use it seek compensation from you. It covers the legal fees, as well as any compensation that may be payable. Cover from £250k to £1m.
Trustee indemnity insurance (also known as trustee liability insurance) covers the legal costs and expenses of defending against your hall or centre's trustees against disqualification, investigations or extradition proceedings. Cover from £250k to £1m.
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Legal representation and employment disputes insurance
Legal representation and employment disputes protects your group against employment disputes, official investigations and other serious matters, including crisis management, identity fraud, official investigations (excluding HMRC), corporate manslaughter, pollution and data protection issues. Cover for £100,000.
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Money and personal assault insurance
Money and personal assault insurance covers loss of money for fixed limits up to a maximum of £250,000 for non-negotiable money such as crossed cheques and £2,500 for negotiable money. In addition, if you, or members of your family, or employees, or members of their family, are injured during a robbery or attempted robbery, we will pay you either £5,000 or £50 per week for 104 weeks - depending on the nature of the injury.
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Cyber and data risks insurance
Cyber and data risks insurance protects your group in the event of a targeted cyber attack. It pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit. It also pays your legal defence costs and damages you are legally liable to pay to other parties. Cover from £50k to £250k.
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Occupational personal accident insurance
Occupational personal accident insurance helps your group’s volunteers and employees if they are accidentally injured in the course of your activities. It pays a weekly amount for temporary total disablement, or a lump sum if they suffer loss of limbs, sight, speech, hearing, permanent total disablement or death. Limits from £100 per week/£25k lump sum to £500/week/£100k lump sum.
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Fidelity insurance
Fidelity insurance protects your group against dishonesty or fraud by volunteers or employees. This could be, for example, if the volunteer who handles your accounts was found to have stolen money from the group’s funds for their own personal benefit. Cover for £50k.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does village hall and community centre insurance cost?
Our fast and easy quote form helps you insure your village hall or community centre in a matter of minutes. Cover is available from £3 a month*, and you can tailor your policy to include only the cover you want, meaning you will not have to pay for unnecessary extras.
*Price based on a village hall with an annual turnover of up to £10,000 requiring £250,000 of professional indemnity and trustees liability insurance.
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Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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Can we get insurance if we’re not a registered club?
Yes – you don’t need to be a registered charity to get cover for your group. Many of our clients are small charities or community organisations that are new or are too small to be a registered charity.
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Does the policy cover volunteers?
Yes - the employers' liability and public liability section of the policy provides cover for your volunteers. As long as you purchase this section of cover from us, your volunteers will be covered.
To find out more on insurance for volunteers, read our article here.
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Does the insurance cover events?
Yes - the public liability section of the policy provides cover for charity events (such as fundraising) for up to 500 attendees.
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We don't have a regular meeting place - can you insure us?
Yes. We cover hundreds of small charities, community groups and clubs that don't have a regular meeting place and instead rotate between different venues, such as members' homes, village halls and community centres.
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Why should I insure with Markel?
Established over 25 years ago, we've gained an expert understanding of the risks facing small charities and community groups, and our policies are specially designed to protect you.
We actively support the third sector. Since 2008, we have donated more than £150,000 to our supported charity, Carers Trust, and have supported numerous charity awards including the Third Sector Excellence Awards and Britain's Best Volunteer in partnership with Small Charities Coalition.
We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $2.4bn in 2023. Still not sure? Call us on 0800 640 6604 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your charity or group. Alternatively, get a quote now and call us later if anything needs clarifying.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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