Whether you manage a small community garden, a town-wide allotment association or a horticultural society, your organisation faces a unique set of risks.
At Access Insurance, we arrange tailored insurance cover for allotment associations and community growing groups across the UK, helping you manage liabilities, protect property and operate safely and securely.
Why would I need insurance for an allotment association?
Running an allotment site or gardening project brings responsibility for land, property, members, volunteers and the general public.
Your association could be held liable for accidents on site, damage to sheds or greenhouses, tools being stolen, or disputes among members. You may also face requirements from landowners or local authorities to hold public liability insurance.
What your allotment association insurance can include:
- Public Liability Insurance – covers you if a member of the public, visitor or allotment holder is injured or suffers property damage due to your association’s negligence
- Employers’ Liability Insurance – required if you have volunteers, workers or committee members assisting with the running of the site
- Property Damage Cover – for sheds, stores, communal buildings, fences, gates and polytunnels owned by your association
- Contents Insurance – covering tools, machinery, lawnmowers, strimmers and communal gardening equipment
- Trustee Indemnity – protecting committee members and officers against claims of negligence or breach of duty
- Legal Expenses Insurance – support for disputes, legal claims and employment issues
- Money Cover – insuring association funds held on-site or in transit
We build your insurance around your needs and how your site is managed, whether it’s through tenancy, membership, or community partnerships.
Request a quote – it’s simple Start today
Trusted by community groups and associations
Access Insurance is trusted by thousands of not-for-profit organisations, including allotment associations, horticultural groups and community gardening projects.
We understand the challenges of maintaining land, managing volunteers and working with local authorities. We’ll help you ensure your insurance cover is comprehensive, suitable and cost-effective.
Yes.
Even small associations face risks, especially if you manage a shared site or provide equipment. Public Liability Insurance helps protect your group if an incident occurs.
It’s recommended.
If someone volunteers with your association, Employers’ Liability Insurance is there to protect your group, if a volunteer is injured whilst volunteering.
Yes.
Contents Insurance can include cover for gardening tools, lawnmowers, water pumps and other equipment your group owns or uses.
Public Liability Insurance can respond to claims of injury or property damage, whether from visitors, members of the public or other allotment holders.
Employers’ Liability Insurance responds in the event of a volunteer (or staff) member being injured.
Most landowners or councils will require your group to hold its own Public Liability cover.
It also helps protect you if your activities cause damage or injury, regardless of who owns the land.
Yes.
Property Damage Cover can include sheds, greenhouses, stores and other structures owned by your association.
It can be.
If your tools and equipment are locked away, we can include theft cover within your Contents Insurance.
To have peace of mind that your allotment insurance policy is fit for purpose, it is important to declare the sorts of tools that you are using.
Generally, most of the providers we work with are comfortable with hand tools or light power tools akin to those you would use in a domestic environment (hedge trimmers or lawn mowers).
However, if you use more powerful equipment such as chainsaws or mini diggers, these need to be declared and we would advise that you check you are properly insured.