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Village Hall Insurance
May we quote you on that?
Norris & Fisher are specialist charity insurance brokers who offer a tailored policy for village halls and community buildings. Our cover is the widest available in the market and our premium rates are very competitive.
Update for Village Hall polices held with Ansvar Insurance
Ansvar have now agreed to relax the unoccupied restrictions for Village Halls and Community Buildings to assist during this difficult time. With immediate effect, if your premises are unoccupied solely because of the COVID-19 outbreak then insurers will consider your premises as ‘occupied’ and not apply the unoccupied restricted cover if you are able to comply with the following:
a) Carry out a recorded inspection of the premises at least once a month
b) Occupy the premises for at least one full day in every 30 days in line with normal working hours to carry out activities.
By complying with these requirements it is hoped that the hazards of unoccupancy would be identified early and prevent any related claims. This enhanced cover has now been extended until the 31st March 2021 when Ansvar will review the situation again.
Ansvar have also produced a Risk Management Guide for unoccupied premises which can be viewed here
If unoccupancy occurs for any other reason then the standard unoccupancy terms will be applied. If your building is no longer occupied this represents a greater risk of significant damage which could delay your organisation getting back up and running once the current COVID-19 outbreak has passed. With this in mind, Ansvar will expect you to comply with the requirements listed in Endorsement 402.
If an outbreak were to be traced to the Hall it would be very unlikely that you could be held liable provided you have taken reasonable precautions. The third party would have to prove that they had contracted the virus both at your premises and as a result of your negligence. Should they be able to do that then the Public Liability section of the policy would pay compensation.
Supreme Court ruling on Business Interuption claims
Last week the Supreme Court allowed an appeal from the FCA on behalf of policyholders relating to coronavirus-related business interruption losses. This meant that insurers would have to pay out to those businesses that had purchased an unspecified diseases extension.
Sadly this would not have an impact on Village Hall policies held by Ansvar Insurance. The previous High Court ruling of the 15th September 2020 confirmed the position that Ecclesiastical Insurance office including Ansvar policies do not cover Business Interruption caused by the pandemic, and therefore Ansvar are not required to pay claims.
Full details of this can be found on the following press release: https://www.ansvar.co.uk/policyholders/fac-test-case/
We recommend that you check the rules in your area to ensure you comply with local restrictions.
Why choose us?
Why you should think about using a
Chartered Insurance Broker
We are proud to have been awarded the prestigious title ‘Chartered Insurance Brokers’ by the Chartered Insurance Institute (CII).
Chartered status is the industry’s gold standard for insurance brokers and is currently met by fewer than 200 firms across the country.
Chartered status brings with it serious obligations. We are required to ensure the advice, service and ongoing support we provide to you is:
of the highest quality
based solely on your researched needs
provided by someone operating within their level of competency.
6 Good Reasons for Choosing Village Hall Insurance from Norris & Fisher
Specialist Village Hall policy with widest available cover
No administration fees
Rebuilding cost valuation service available
Dedicated Village Hall team with in depth knowledge of the policy
Sound advice from a Chartered Broker
Get a Quote
Click to download an enquiry form which can be completed and returned at a later date.
All enquires will be directed straight to our Village Hall team who will reply with a quotation by the next working day.
Call us on 023 8026 9009 to discuss your requirements or to request further information.
© 2020 by Norris & Fisher (Insurance Brokers) Ltd - Company Reg No: 04567558
Authorised and regulated by the Financial Conduct Authority. Registered in England & Wales: 303993. Registered Office: 34a Hiltingbury Road, Chandlers Ford, Eastleigh, Hampshire SO53 5SS.
If you are unhappy with our service we have a complaints procedure, details of which are available on request. You may be able to refer a complaint to the Financial Ombudsman Service (FOS) if you are unhappy with how we deal with your complaint. The FOS website is www.financial-ombudsman.org.uk