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Community group insurance

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Community group insurance designed for your organisation

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Why choose Ripe for community group insurance?

Specialist cover designed for community groups, offering flexible policy options, straightforward claims, and financial protection you can rely on.

Cover in one place for clubs and organisations

Choose from the cover you want in one place, including Public Liability, Employers’ Liability and cover for property, so you can focus on running your group.
Cover for employees and volunteers

From employees to volunteers, your team can be covered with a community group policy.
Choose the cover you want for clubs and community groups

Insurance designed for clubs and community groups, allowing you to choose cover options, meaning you won't pay for any cover your organisation doesn't need.

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.

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What does community group insurance cover?

There are several cover options available when you take out a community group insurance policy through Ripe. These can include:

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 £10k
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 fishery 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.

Community group insurance FAQs

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.
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.
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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