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Village Hall Insurance
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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.
New Lockdown Measures - November 2020 Update
Insurers have now advised that as with the initial lockdown period, the unoccupancy restrictions have been withheld temporarily. If you are closing your premises then you do not have to declare this up to the 2nd December 2020.
However, 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 have issued the following guidance,
Where you are able to do so safely and within the current government guidelines, you try to ensure that:
the buildings are inspected internally and externally by an authorised person once a week to check the security and general condition of the premises;
all waste, refuse and other disused combustible materials is cleared from the buildings and any grounds adjacent to it;
all external doors are securely locked and all opening windows closed and locked (where fitted with locking devices);
all tanks and pipes are drained down where and when you are able to do this, and all taps, stopcocks and mains supply valves turned off.If this is not possible, because you need to maintain a central heating system, a minimum temperature of 7°C should be maintained.
a) gas supplies should be switched off unless to maintain a central heating system
b) electricity supplies should be switched off unless to maintain a central heating system or existing intruder alarm systems, fire protection systems, CCTV, security lighting or sprinkler systems.
all existing physical devices for securing, or preventing access to the buildings must be kept in full and effective operation at all times and to have all keys removed from the locks and kept in a secure place away from the premises;
We recognise that you may not be able to complete all of the items listed above, either partially or in their entirety but we would encourage you to consider anything you can do, to reduce the risk of damage or loss, particularly through escaping water from heating systems and security of the premises generally. Your cooperation during this difficult time is very much appreciated.
All other policy terms, conditions and exceptions are unchanged.
Reopening Advice For Village Halls
You are now welcome to resume operations. There are no restrictions on reopening the hall from an insurance perspective and insurers have agreed to withhold the unoccupancy restrictions until 1st September 2020. Providing that the hall is hired out within 30 days of this date then cover would apply as standard. If you are not planning to reopen until October onwards then please see below for further advice
If you are welcoming people into your premises then you should ensure social distancing continues, adding floor markers or any other methods to keep people 2 metres apart are strongly recommended. We would also reiterate the advice that if anybody shows symptoms then they don’t attend the Hall and should a user have been in contact with anyone suffering from the virus they should self-isolate.
Indoor fitness or sport activities may now also recommence. This includes any activities that would typically take place in a gym, sports venue, or a fitness or dancing studio. However you must ensure that social distancing continues and extra cleaning procedures are in place.
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 your Public Liability cover would protect you.
We recommend that you consider the following points before reopening:
Cleaning the premises thoroughly before and after each use
Imposing a cleaning regime in respect of door handles, light switches and other frequently touched items
Imposing one-way systems where possible and other social distancing measures
Providing PPE if and when appropriate
Use of face coverings for all visitors to the premises
Leaving internal doors open whilst the premises are occupied
Making hand sanitiser and paper towels freely available
Running taps before first use so as to reduce the risk of legionella
You should carry out a risk assessment ahead of any reopening and record your findings in writing.
If Your Village Hall Remains Unoccupied
If your premises remain unoccupied then restricted cover would apply. During lockdown, most insurers suspended the unoccupied restrictions in cover. These restrictions were reintroduced from 1st September 2020, so if your hall is still not in use then please let us know.
In addition to the excluded cover, insurers have special requirements for unoccupied properties which can be viewed here.
You can ensure full cover continues to apply by hiring out the hall or having committee administrative duties carried out at the premises. Insurers define this as at least one person working a full day at the hall monthly.
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