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Community Cover Insurance

Insurance for community centres,
Charity Organisations
and village halls

See what's included

Community Cover is an insurance Policy for community centres, Charities and village halls.

Local venues are at the heart of our communities, and it’s our mission to protect them. That’s why our dedicated team will work alongside you to understand your individual risks, and source a suitable insurance policy to protect you.

The Community
cover you'll love

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West Faversham Community Association says:

"We have been provided with clear advice and excellent support, particularly when dealing with our insurance requirements for larger community events. Queries are dealt with promptly and we have confidence that our cover reflects the needs of our organisation. I would have no hesitation in recommending Club Insure to other charities, community organisations and clubs looking for a knowledgeable broker that understands their sector and provides a high standard of customer service."

July 2026

The Empire Club says:

" I stepped into my role less than 6 months ago, and it has been a steep learning curve, with lots still to learn about running a business. When the renewal came through from Jason and Club Insure, I was in panic mode with no clue what he wanted to know and how ever could I give him the information he required. We arranged a meeting that suited us both, he made the meeting so easy and explained every detail to me and help me to best understand what they do as a business but also what all the technological terms meant. I am pleased to say Jason and the company offered us an excellent deal and made it pain free. Would definitely recommend Jason and Club Insure to anyone I know in a similar industry."

July 2026

Community Cover is
powered by Club Insure

Community Cover is powered by Club Insure. Our dedicated club insurance team are fully aware of the specific needs and requirements of community centres, village halls, civic centres, charities, charitable organisations, not-for-profits and social leisure centres.

 

What does Community Cover insure?

Community Cover have a wide range of policies available – our team will work alongside your venue to match suitable covers to your individual requirements. Our range of policies can include:

Our range of COVERS:

Public Liability insurance for Community Centres

Community centres and village halls are usually open to the public. When there are a number people using your building at any one time, accidents and injuries do occur, and you can’t always mitigate against every possible risk. Public Liability cover can protect you if a member of the public has an accident and makes a claim against you subject to policy terms, conditions and exclusions.

Employers’ Liability insurance for Community Centres

Employers’ Liability is essential if you have employees, and it can cover your organisation in the event that something happens to your employees whilst at work, subject to policy terms, conditions and exclusions.

Buildings and Contents cover for Community Centres

Your centre may be a hub for your community. It’s a place where people go for help, support and guidance. But without your buildings, your belongings and your equipment, the people who rely on your services may have nowhere to go. Buildings and Contents Insurance can protect you in the event of damage or theft to your property subject to policy terms, conditions and exclusions.

Business Interruption for Community Centres

Community centres often rely on the day-to-day income they generate to enable them to continue operating. So, if a centre unexpectedly can’t open, it could mean big trouble. That’s where Business Interruption cover can help. It can protect you financially until your business is back on its feet for a pre-agreed amount of time and subject to policy terms, conditions and exclusions.

Equipment Breakdown Cover for Community Centres

Community Centres can accumulate plenty of equipment to keep the premises running smoothly. Whether it’s heavy duty or not, equipment breakdown insurance can cover your community centre’s machinery subject to policy terms, conditions and exclusions. This could protect items such as your, lawnmower, coffee machine or catering equipment with this cover.

Fidelity Insurance for Community Centres

Community centre volunteers do an amazing job. But, because a lot of your staff are volunteers, it may be less likely that background checks are done before hiring. Unfortunately, there are some cases where staff or volunteers have used the trust put in them by the centre to steal money. Fidelity insurance can cover the centre for the money lost subject to policy terms, conditions and exclusions.

Goods in Transit insurance for Community Centres

Transporting goods such as equipment, merchandise or possessions. Goods in transit insurance can cover the cost of these goods from point A to B in case of crash, damage or theft subject to policy terms, conditions and exclusions.

Money Cover for Community Centres

Money at your premises may need to be covered. Whether in transit to the bank or in a safe, money your club is in possession of can be reimbursed if stolen or destroyed subject to policy terms, conditions and exclusions.

Personal Accident Insurance for Community Centres

If one of your operators has an accident at work, such as a serious injury or death, then Personal Accident insurance can cover your business for financial losses, such as medical payments and bills subject to policy terms, conditions and exclusions.

Loss of Licence cover for Community Centres

Businesses such as village halls and community centres will need a range of licences. Music licence, alcohol licence, temporary event notices, and sale of food or goods licences. If any of these are disputed then it could cause disruptions in service for your community centre. Loss of Licence cover can protect losses as a result of a dispute over licences subject to policy terms, conditions and exclusions.

Hirer’s Liability for Community Centres

Many members may want to hire out their community village hall; be it for weddings, parties, wakes, or celebrations. In preparation, you may need Hirer’s insurance in place to cover your venue in case of damages, vandalism, legal defence and compensation for accidental injury subject to policy terms, conditions and exclusions.

Cyber Cover for Community Centres

Cyber insurance may be appropriate, depending on the centre’s systems, data and exposure. This can protect against loss of data as a result of a breach, and loss of funds as a result of a Cyber attack subject to policy terms, conditions and exclusions. If your centre utilises an app, online banking, digital documentation and personal records of members and employees, your centre should consider this cover.

Legal Expenses cover for Community Centres

Legal disputes can be costly and drawn out. Legal expense insurance can help cover costs to pursue a legal dispute subject to policy terms, conditions and exclusions.

Terrorism cover for Community Centres

Terrorism cover is on the rise as more and more clubs and community centres understand the risk of threats. If your community centre is in a high-risk area, we may suggest this cover. It can cover both loss of entry and business as a result of Terrorism, and damages to your premises and income as a direct result of an attack subject to policy terms, conditions and exclusions.

The 4 Key Advantages of Using Community Cover

1

Access to a dedicated handler

We want to ensure that you have personal service delivered to you, which is why we dedicate one account handler to deal with all your requests and needs. We believe relationships breed strength and trust, and we want our clients to have a strong honest relationship with their handler.

2

Risk Management Assistance

Spotting the risks before incidents occur is a crucial way to help keep your venue safe. Community centre clients can access Club Insure’s risk management services, which can include manual handling assessments, employment law advice and fire safety training.

3

In-house claims team

Community cover has access to Club Insure’s in-house claims team. With 25 years’ experience, our team have the experience to support you through claims that are covered by your policy, taking you through the claims process from start to finish.

4

Part of the Community Cover community

By getting to know you, we strive to gain an understanding of your individual circumstances and the cover you’ll need to protect your organisation and its people. We will visit your club and help you to understand the risks you may face and how to protect your venue.

Community venues are an invaluable asset to their local area. They’re a place for people to socialise, learn and connect.

Read more about the importance of community centres

Let us join you for a coffee?

Get in touch with the team to tell us more about your organisation.