Insurance for village halls and community buildings
Running a village hall is one of the most rewarding things you can do for your community, which is why you may want to protect it through specialist village hall insurance.
As with any endeavour serving the public, being a village hall director or trustee comes with risks, from damage to buildings or equipment to third-party claims. Through Ripe, you can build your own policy from the options available, depending on your needs, so you can continue serving your community with confidence.
Why choose Ripe for village hall insurance?
Easy online experience
Getting a quote and taking out your cover online is quick and simple. And to make the whole experience even easier, we've done away with any lengthy forms and cut out any confusing jargon.
Tailored to your interest
We know that every group and club and what they bring to communities is unique. Which is why we give you the flexibility to tailor your policy, so you only ever pay for what you need.
Helping your budget go further
We know that your budgets are a big consideration. Which is why we focus on providing cover that doesn't break the bank, so you can concentrate on allocating more resources towards what truly matters.
What does village hall insurance cover?
A village hall insurance policy through Ripe can include several options along with specific inclusions and exclusions, such as:
Village hall insurance
- Public and Products Liability – up to £10m
- Employers’ Liability – up to £10m
- Building cover – up to £500k for damage caused by specific perils such as storm, theft or accidental damage
- Fixtures, Fittings and Tenants Improvements – up to £100k
- General contents – up to £250k
- Equipment and Portable Equipment
- Stock up to £100k
- Business Interruption – up to be £500k
- Professional Indemnity including claims where someone has sustained an injury due to advice given
- Personal Injury caused by a participant
- Personal Effects
For the full policy wording and details on what is and is not covered under a village hall insurance policy, view our Important Documents page.
Common risks village halls face
Every village hall is different, but many share similar risks, such as:
- Storm of fire damage to the building
- Break-ins or theft of valuable equipment
- Visitors slipping or tripping during an event
- Liability arising from food or drink sales
- Loss of income if the hall cannot be used after an incident
Specialist insurance for village halls can help trustees manage these financial risks so the hall can keep running smoothly.
Village hall public liability insurance
If a visitor injures themselves on the village hall premises, trustees could be liable for any third-party claims brought against it. Public Liability cover can help provide financial protection in these scenarios, including:
- A village hall member falling and becoming injured on the grounds
- A visitor tripping over a piece of equipment owned by the village hall
- A volunteer or staff member accidentally injures a third-party or damages their equipment
While it’s not a legal requirement, Public Liability cover is one of the most common protections village halls choose. It can help cover legal and compensation costs for incidents that fall under your policy’s insured perils, meaning your organisation can keep welcoming people and hosting events without the risk of a single claim putting a strain on your finances.
How to choose the right cover for your village hall
Not all village halls operate the same, so it’s important to choose cover that reflects your needs. When looking for village hall insurance policies, you might need to consider:
- the size and age of your building
- whether you employ staff or volunteers
- the type of activities and events you host
- any equipment or contents that need protecting
- whether you want optional extras such as Money Cover or Business Interruption
Taking time to assess these factors helps you avoid being underinsured, and also ensures you don’t pay for cover you don’t need.
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Do village halls need insurance?
Employers’ Liability is the only form of compulsory cover if you employ others as part of your organisation. However, some councils, funders, or hirers may require other forms of cover before they allow you to run events.
You may also want to consider other village hall insurance cover options for help with financial protection against risks like building damage, equipment loss, or third-party claims from trustees, volunteers, or visitors.
How much does village hall insurance cost?
The amount you’ll pay for village hall insurance depends on variety of factors, such as:
- the location of the hall
- the size of the building
- the level of cover you need
- the type of cover selected
No two halls are the same, which is why the cost can vary. You can get an online quote in minutes to see the most accurate cost for your village hall insurance.
Are volunteers and staff covered?
Yes. With Employers’ Liability cover through a Ripe village hall insurance policy, your organisation could be financially protected if a staff member or volunteer is injured or becomes ill while carrying out their duties and makes a claim against you. This means the hall is protected from legal and compensation costs, while the people who support your hall are covered If something goes wrong.
Does the policy cover events?
Yes, events hosted by the village hall in relation to the organisation can be covered. The Third Party Hirer definition means you would be covered to host events such as weddings, too, but you should check your policy documents.
Is cash kept at the premises covered?
You can select Money Cover as an optional add-on to your village hall insurance, which covers money kept at the premises for damage caused by specified perils.
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