Specialist insurance for not-for-profit allotment associations, gardening clubs and community garden projects.
- Get tailored cover for your unique risks
- Only pay for the cover you need
- Jargon free advice from experienced brokers
How can we help your community gardening group?
Whether you manage a small community garden, a town-wide allotment association or a horticultural society, 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.
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.
Card 1: Community Gardens
Community garden insurance will typically include 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.
Card 2: Allotment Associations
Running an allotment site 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.
Card 3: Gardening Clubs
Each gardening club we help has different needs. Some need basic liability cover while others need cover for sheds and tools too.
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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.
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.
We are a small club but Access Insurance found us a policy to suit our needs.
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.
Access listened carefully to our particular needs and came up with a suitable quote within a reasonable time span.
What your insurance can include
- Public Liability Insurance – covers you if a claim, from a member of the public, visitor or allotment holder, of injury or property damage due to your association or group’s negligence is made against you
- Employers’ Liability Insurance – 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 club or 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
Why choose Access?
We are experienced at arranging insurance for gardening groups of all sizes doing a wide range of activities. Our approach is simple.
We work with you to understand the unique risks your garden faces and design an insurance policy specifically to give you the cover you need.
This ensures you have adequate insurance without any gaps in cover, while excluding costly and unnecessary add ons.
We build your insurance around your needs and how your site is managed, whether it is through tenancy, membership or community partnerships.
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.
We strongly recommend employers’ liability insurance for volunteer-led groups, as volunteers are still under your duty of care from a health and safety perspective. Employers’ Liability Insurance protects your organisation if a volunteer claims they are injured while carrying out activities for your gardening club or allotment.
If a visitor, member of the public or allotment holder suffers an injury, the public liability insurance covers legal and potential compensation costs if a claim is made against your group.
Even if you lease the land or manage it through an agreement, you remain responsible for the activities taking place and the safety of individuals on the site. Landowners and local authorities also typically require you to hold Public Liability Insurance as part of your tenancy or lease agreement.
Insurers generally do not require a fully itemised list of every hand tool. They will need to know the overall replacement value of your equipment and whether you operate high value or powered machinery such as ride-on mowers and rotavators.
Theft can be fully covered under Contents Insurance, usually providing the equipment is kept securely in a locked building, shed or storage container. If you transport the equipment or there is no fixed location, then this can be covered too and can advise on any special conditions around the storage of communal tools.
While it is not a strict legal requirement for all charities, it is highly recommended as the cost of compensation claims and legal action would be far beyond a small organisation or group’s means. It is also frequently made a mandatory requirement by landowners, local councils and grant funding bodies to protect your community group against potentially costly claims.
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.