How can we help your Community Garden?

Each community garden we help has different needs. We’ll understand the risks you face and build a specific policy – you only pay for the cover you need. We’ll ensure you get the right cover quickly and easily.

  • Get free advice & a no obligation quote over the phone
  • No proposal or cover forms to fill in
  • Varying limits of public liability cover available, from £1 to £10 million+
  • Employers liability (for employees/volunteers) & trustees indemnity insurance (for trustees/committee members) can be included
  • Cover for buildings, contents, equipment, money + more is built in as required
  • Affordable policies (from £60/year)

Access Insurance Feefo Reviews

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What Our Clients Say

Excellent choice for the insurance that we need for the Woodhaven Community Garden. Practical and straight to the point. I would most certainly recommend this company to other project.

Woodhaven Community Garden

They listened to us and provided the service we requested. They answered the phone quickly when we rang them. They made useful suggestions for us.

A Community Allotment

We are a small club but Access Insurance found us a policy to suit our needs.

Happy Gardeners

Access went the extra mile. We kept changing what we wanted. Nothing was too much trouble for them and they were unfailingly helpful through to the successful conclusion of a better deal.

Friends of Llwynfedw Gardens

Access listened carefully to our particular needs and came up with a suitable quote within a reasonable time span.

Rose Valley Garden Group

- Why choose Access?

Why choose Access?

We are experienced at arranging community garden insurance for gardens of all sizes doing a wide range of activities. Our approach to helping you is simple. We’ll understand the unique risks your garden faces and design an insurance policy specifically to give you the cover you need. This approach ensures you have adequate insurance without any gaps in cover as well as excluding costly and unnecessary cover. You’ll only pay for the cover you need.

If you need help understanding the risks you face and the types of insurance cover you require, please contact us on 0333 344 7420. Our specialist team of advisers are here to help you from a simple question to advice on a more complex range of covers.

Your questions answered.

If you have no public liability insurance, it means that you bear that liability and, therefore, will pay any claims made against you for third-party property damage or injury as well as incur any legal costs out of your own resources.

No, it is not, though many choose to transfer the risks of third-party injuries or property damage through insurance as the cost of compensation claims and legal action would be far beyond a small organisation or group’s means.

It’s not compulsory to have a public liability insurance policy. However, the risk is severe, which means there would be a high cost to cover for claims payouts; therefore, the risk is transferred through insurance to pay a much smaller amount. Public liability insurance covers third-party injury and damage to third-party property.

It depends on the risk exposure, the types of activities carried out, the size of your organisation, and third-party premises you may use. However, a limit should be based on what a compensation claim would cost to settle. Levels of cover available are £1m, £2m, £5m and £10m.

Not exactly. Employers liability policies are taken out to cover employees because it is a legal requirement, something the Charities Commission. Public liability covers third party property damage and injury to third parties. Sometimes insurers package different liability policies together for a particular customer profile. We understand the uniqueness of our customers, so we help you choose the right policies; therefore, you only pay for the cover you need.

It typically includes public liability, employer’s liability for volunteers or staff, and protection for tools, sheds, and other equipment. Optional extras can cover money, events, or buildings.

Yes. Employer’s liability insurance is still required if volunteers are working under the direction of organisers or committee members.

It depends on the size of your garden and how often the public visits. Most community gardens choose between £5 million and £10 million cover.