Our specialist brokers understand the important role lunch clubs play in supporting local communities. We build policies that cover your group’s risks, so you only pay for the cover you need.
Whether your luncheon club is a volunteer-run regular group, works with the elderly, uses church or community centre premises, or is completely unique, we can help.
Key Benefits:
– Access to specialist insurers with experience in the community and voluntary sector
– Cover designed to protect volunteers, members and visitors
– Expert guidance from brokers who understand the needs of community groups
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How Can We Help Your Luncheon Club?
Across the UK, thousands of lunch clubs provide an invaluable service to local communities. The opportunity for elderly people to come together and enjoy a nutritious meal provides a great social benefit to groups where loneliness is a real issue.
While incidents are uncommon, luncheon clubs still face responsibilities when organising activities, handling food and welcoming members and volunteers. In many cases, community centres, church halls and other venues may also require groups to have insurance in place before they can use their facilities.
– Satisfy the requirements of the premises manager for your lunch club
– Protection for volunteers and committee members
– Cover for regular meetings and meal services
– Insurance tailored to your club’s activities
– Volunteer transport for people to get to and from the lunch club
Protecting Your Activities
Our fully advised service helps ensure your luncheon club has the protection it needs to operate with confidence. Whether you meet weekly, monthly or provide regular community meals throughout the year, we can arrange essential cover including:
Public Liability Insurance
Protection if a member of the public makes an allegation that your clubs negligence led to their injury (slips, trips or burns), illness (such as food poisoning) or their property is damaged in connection with your club’s activities. This also can protect you if the facility you hire alleges that your negligence led to damage to their property.
Employers’ Liability Insurance
An important cover for many volunteer-led organisations. In many insurance policies, volunteers are treated as ‘unpaid employees’, making this protection an important consideration.
Trustee and Committee Protection
Support for those responsible for organising and running your luncheon club. owner will usually require your group to have at least public liability insurance before allowing you to use their space.
See what they say
…it was critical that we had the right cover. Despite the lead time that was available to get the quote in, reviewed and agreed Access Insurance met this challenge head on.
They were able to provide cover for what we needed & unlike our previous insurer we did not need to buy a policy that covered several aspects we did not need. I would recommend them.
We felt like lost sheep & not sure what we needed. We were very happy to be guided by their expertise. The staff were extremely helpful and very patient. We would highly recommend them. Excellent…
Very responsive and answered questions politely and fully. Also very competitive pricing-important for a voluntary organisation!
Wow! What can I say; absolutely fabulous service from Access where nothing was too much trouble. Courteous, responsive and extremely quick in setting up our non-profit group’s insurance.
What types of cover do we provide
Our expert advisers work with you to create policies that meet your needs. Sometimes insurance can include common cover such as our public liability insurance for charity organisations. We also provide many other policies that will protect your assets, trustees, volunteers, supporters, participants and activities properly against the risks you face.
Public Liability Insurance
Public liability insurance for charities, sometimes referred to as charity liability insurance, ensures you are covered for claims as a result of injury or third-party property damage involving members of the public or other third parties, such as volunteers, due to your charity’s activities. We can provide charity public liability insurance for non-profit organisations and charities to cover these risks.
Staff Liability Insurance
It’s a legal requirement to have this policy in place if you have paid staff. You must also consider your volunteers’ safety and well-being. We design insurance that enables you to fulfil your duty of care for staff and volunteers.
Trustee Indemnity Insurance
Another popular cover is trustee indemnity insurance which protects people in positions of trust from claims made against them for mistakes or wrongful acts. This cover can also assist in legal costs associated with defending trustees and actions taken.
Professional Indemnity Insurance
To defend against claims for wrongful advice, errors or breach of care given for free or in exchange for payment.
Property and Contents Insurance
To properly protect your charity’s premises, infrastructure and physical assets in the case of theft or damage.
Cyber Insurance
To defend against the increasing risk of cyber-attacks, breaches and claims made regarding theft or loss of data.
and many more…
As specialist insurance brokers for charities, we can develop comprehensive policies to cover all the risks your organisation faces.
Why choose Access Insurance?
We understand that community groups often rely on dedicated volunteers and limited resources. Our team takes the time to understand your activities and help identify the insurance cover that may be appropriate for your organisation.
As an independent broker, we work with a range of specialist insurers and can help arrange protection that reflects the needs of your luncheon club.
If you need assistance arranging luncheon club insurance, please call our team on 0333 344 7420. Our advisers are here to help you.
Your questions answered.
Luncheon Club insurance helps protect your organisation against unexpected incidents, including liability claims and allegations arising from your activities. Though rare, a volunteer could burn themselves, or someone could slip on a wet floor. Most clubs would never consider that a service user or volunteer would bring such a claim but even in close-knit groups, claims for damages can and are bought. Insurance is there to help you in those situations, as well as satisfy the insurance requirements of venues you hire or use. Sometimes it is the owner of the facility that you use that might be making the allegation that you have damaged their property. While rare, we have handled claims such as damaged floors from trolleys moved with stuck wheels and burned curtains!
Volunteers play a vital role in many luncheon clubs, and it is important to ensure your insurance arrangements take their involvement into account.
Public liability insurance is essential because it can provide protection if a visitor, member or third party makes an allegation of negligence following an injury or property damage in connection with your activities. It might also protect the lunch club in the event that someone attending suffers illness following food poisoning or an allergic reaction.
Yes, many community centres, church halls and other venues require groups to have appropriate insurance cover in place before they will hire or use their facilities.
We would always recommend as a minimum, public liability insurance for your lunch club and we would also strongly recommend employers’ liability insurance in case an allegation is made by a volunteer. (Although it sounds unusual, in the wording of most insurance contacts, volunteers are treated as unpaid employees.) Depending on your activities, additional cover may also be appropriate. Access Insurance can help you identify the protection that best suits your luncheon club.