Specialist insurance for community groups, clubs, and local organisations
Community groups are often the beating heart of their local area, with people coming together to support each other and help give back to their neighbourhood. That’s why if you run a group in your local community, you may want to protect it financially in case something goes wrong. Specialist community group insurance through Ripe can include Public Liability, Building and Contents, Equipment, Business Interruption, Employers’ Liability, and more under one policy. You can also get social club and leisure group insurance through Ripe.
Why choose Ripe for community group 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 community group insurance cover?
There are several cover options available when you take out community group insurance through Ripe. These can include:
Community group 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 £500k
- Professional Indemnity, including claims where someone has sustained an injury due to advice given
- Personal Effects
For the full policy wording and details on what is and is not covered under a community group insurance policy, see our Important Documents page.
Public liability insurance for community groups
Even the most carefully, responsibly-ran community groups could be deemed liable for accidents and injuries that occur on their premises. However, that’s where Public Liability insurance for community groups can help. Although not a legal requirement, Public Liability can help provide financial protection in the event of a claim following accidents or events, such as:
- a group member slipping on a wet floor and injuring themselves on your premises
- a visitor getting food poisoning after consuming food prepared and served at your group
- a group member causing damage to or breaking someone else’s personal property while on your premises
If you employ staff at your community group, Employers’ Liability cover is a legal requirement. This can either be taken out on its own through Ripe or selected alongside other cover.
What types of community groups can I get cover for?
Community group insurance through Ripe can cover various types of community groups and organisations, including:
- Neighbourhood & residents’ associations
- Children or youth clubs
- Religious groups
- Sports groups
- Allotments & community gardens
- Local interest groups
Plus many more. The easiest way to find out if you can insure your community group through Ripe is to get a quick quote online.
Host your community group get-togethers in a village hall? Find out more about Village Hall insurance through Ripe.
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Do I need public liability insurance for a community event?
Public Liability insurance is not a legal requirement for running community events, but you may want to consider it, as it can help provide financial protection in the event of a third-party claim for accidents, injuries, or negligence.
Who is covered under a community group insurance policy?
Through Ripe, any of the following will be insured under the policy where the relevant cover is selected:
- Directors or Partners
- Committee member or officer
- Employees
Public Liability insurance for community groups also means you can get cover for hiring out your group premises for social or fundraising events.
How much does community group insurance cost?
The cost of community group insurance can vary depending on several factors, such as the size and location of your group and the level of cover you choose to take out for it.
The best way to get an accurate cost for your cover is to get a quote online.
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