Development Trust Insurance
Development trusts play a vital role in strengthening communities by running local buildings, delivering services, supporting enterprise, and creating opportunities for residents.
Whether you manage a community hub, village hall, workspace, community café, heritage building, leisure facility, green space, or a portfolio of community assets, your organisation can face a unique set of risks. These can include property and maintenance responsibilities, public facing activities, events, contractor management, governance obligations, and the welfare of staff and volunteers.
At Access Insurance, we arrange tailored cover for development trusts and community led organisations. We help you manage risk, meet lease and funding requirements, and keep your projects running smoothly.
Get tailored cover for your unique risks
- – Only pay for the cover you need
– Jargon free advice from experienced broker
– Cover that reflects community buildings, asset ownership and multiple activities
Development Trust Insurance, how can we help?
Who this insurance is for
We can arrange cover for a wide range of development trusts and community organisations, including those that:
- – Own or manage community buildings, hubs and centres
– Run community cafés, shops or social enterprises
– Provide workspace, studios or affordable offices
– Manage community transport, sports or leisure activities
– Operate events, classes and programmes for residents
– Manage parks, green spaces, play areas or heritage assets
– Deliver advice services, support programmes or outreach
– Work with tenants, hirers, contractors and partner organisations
Why should we insure our development trust?
Development trusts often combine asset management with public facing services. That means you may have responsibilities as an occupier, landlord, employer, event organiser and service provider.
Your organisation could face claims or allegations relating to:
- – Injury to visitors, service users or event attendees
– Property damage caused to third parties, tenants or neighbouring premises
– Accidents involving volunteers or staff while carrying out duties
– Claims linked to maintenance, slips, trips and falls, or contractor works
– Loss or damage to buildings, contents or equipment
– Disruption to income from venue hire, café trading, rents or grants after an insured incident
– Employment related matters, complaints, or disputes
– Trustee and governance decisions, including funding or financial oversight
– Data protection and cyber incidents, especially where you store personal data or take payments
Many funders, local authorities, landlords and lenders require suitable insurance before awarding grants, signing leases, or transferring assets.
Request a quote – it’s simpleStart your development trust quote
Why should we insure our chaplaincy service?
Chaplaincy often involves one-to-one support, sensitive conversations, and interaction with people who may be vulnerable due to illness, bereavement, trauma, mental health needs, or crisis situations.
Your organisation could face claims or allegations relating to:
- – Injury to a member of the public during an activity or visit
– Safeguarding incidents, or allegations involving vulnerable people
– Professional advice or support given as part of pastoral care
– Confidentiality and data handling concerns
– Accidental damage to premises where you operate, such as hospitals, prisons, universities or workplaces
– Employment related matters involving staff or volunteers
Many host organisations, commissioners, universities, NHS bodies, local authorities and premises providers may require you to hold suitable insurance before allowing chaplaincy services to operate on site.
See what they say
…they provided a competitive quote and were courteous, friendly and professional in dealing with our enquiry …on the basis of our experience so far would recommend them to others.
Access Insurance immediately understood our needs. They came with a personal touch and we felt like we were dealing with a person not just a company. We saved over £3,000.
Trusted by thousands of UK charities and support organisations
Access Insurance works with over 18,000 not for profits across the UK.
We understand the day to day risks faced by organisations managing community assets and delivering multiple services, and we will help you secure suitable protection with clear, practical advice.
What your development trust insurance can include
Your cover can be tailored depending on your assets, income streams and activities.
Common sections include:
Employers’ Liability Insurance
Helps protect you if employees bring claims for work related injury or illness. This is often required by law where you have employees, and may be relevant depending on how volunteers are engaged.
Public Liability Insurance
Can protect your organisation if you are alleged to have caused injury to a third party or damaged their property during your activities. This is particularly relevant for community buildings, events, classes and venue hire.
Property insurance, buildings and contents
Cover for community buildings, centres, hubs and their contents, such as fixtures, fittings, equipment and furniture.
Business interruption cover
Can protect income and operations if you cannot trade or operate as normal after an insured event, such as fire or flood. This can be important if you rely on hire income, café revenue, rents or contracted services.
Trustee and management liability, sometimes called Directors and Officers cover
Can protect trustees and senior management against allegations arising from governance decisions, financial management, regulatory matters, or employment related claims.
Professional Indemnity Insurance
Relevant if you provide advice, support, training, consultancy, or manage projects where there is a risk of allegations of negligence or failure to deliver.
Legal Expenses Insurance
Can help with the cost of employment disputes, tribunals, and other legal action.
Money cover
Useful if you handle cash on site, run a café or shop, or take payments at events.
Cyber and data protection cover
Relevant where you process payments, store personal data, operate booking systems, or rely heavily on digital systems.
Tenant, hirer and contractor considerations
If you have tenants, regular hirers, or contractors on site, your policy can be arranged to reflect how the building is used and who is responsible for what.
We take time to understand how your trust operates, including your asset responsibilities, governance arrangements, revenue streams, and community activities, so your cover matches the realities of your work.
Your questions answered.
Yes, it is strongly recommended.
Public Liability Insurance can help protect your organisation if a volunteer is alleged to have caused accidental injury or property damage while carrying out activities.
You should also consider Employers’ Liability which can cover the risk of injury to volunteers whilst running activities for your organisation.
If you own the building, property insurance is essential.
If you lease the building, it depends on what your lease requires. Even if the landlord insures the structure, you will often still need contents cover and liability insurance for your activities.
Your Public Liability Insurance can cover your organisation for your responsibilities. Hirers may need their own cover, depending on the hire agreement and the activities they run.
Many trusts include clear hire terms requiring proof of insurance for higher risk events or commercial hirers.
Yes.
We can arrange cover for multiple buildings, hubs or locations under one policy, and include different uses across sites where needed.
It is often a sensible consideration for development trusts.
Trustees may face allegations relating to governance decisions, funding, financial oversight, regulatory matters, or employment issues. This cover can help protect the organisation and its leaders.
It depends on factors such as:
- Whether you own or manage property and the rebuild value
- How the building is used and how often it is open to the public
- Your income streams, including hire, rents and trading
- Staffing and volunteer numbers
- The types of activities and events you run
- Claims history and risk controls
We will ask a few practical questions and approach suitable insurers to find appropriate terms.