We are sometimes asked what Insurance a Hall user might require to cover accidents which might happen to their club members when attending a club activity, either at the hall or elsewhere.
We are grateful to Martyn Ingram of one of the specialist Hall Insurers for this response:
With regard to insurance for clubs using Hall premises, they would normally be covered under the Hirers' Liability section of the Hall policy. Under our policy, any individual or group who hires the Hall for non profit-making purposes would automatically have the benefit of Public Liability cover and that would protect them against the types of incidents that you mention. Should they be hiring the Hall for profit-making purposes - e.g. a keep-fit teacher who charges a fee, a group who holds a jumble sale to raise funds or a company that sells pine furniture, then they would need to arrange cover of their own and it would be wise of the committee to check that they do so.
I can only really advise you on the cover that Norris & Fisher give but I know that Aon also provide Hirers' Liability and I would imagine other tailored Village Hall policies do too. Where the cover would not be given would be if a Hall arranged their cover with a company that shoe-horns them into a Traders Combined policy, for example. I come across many examples of those.
One point I should stress is that the cover applies at the Hall only. If a group arranges trips away then they would need to arrange separate insurance.
For those clubs that do not have the benefit of automatic cover - or where they use the Hall for profit-making purposes - then insurance can be arranged separately and I would welcome the opportunity to quote. If they fit the parameters, they may be able to obtain a quote online using the Starter Connect product, which is aimed at small charities and voluntary groups. The link to that product is as follows: https://secure.ansvarnet.co.uk/qs2p/bin/scp00.html?rnd=2286132531871120&chk=04004081+&msg=