Frequently Asked Questions
Are we covered for Events?
Any fund-raising events, exhibitions, craft fairs and fetes, organised and run by you must not exceed 1,000 persons at any one time unless referred to and agreed by your insurers. Events held by hirers of the hall are not automatically included. Please also refer to Endorsement 215 on your schedule for a full list of excluded activities.
Are we covered for Fireworks?
Cover is automatically included for fireworks and/or bonfire events for up to 500 people in attendance providing that this is run by the Village Hall committee
If you are expecting a more than 500 people or if they event is being run by a professional supplier then please get in touch as we may need to arrange additional cover.
What is a Long Term Undertaking?
Your policy may be subject to a Long Term Undertaking which commits you to remain with the same insurers for a defined period (usually three years) in exchange for a discount.
This gives you control over your insurance costs for this period as the premium rate will stay the same. The premium itself may increase but only due to changes that you request or to index-linking of the buildings and contents sums insured. Insurers can only increase the premium rate in the event that you submit a claim and, should that happen, you are released from your obligations and so would not be obliged to renew the policy.
Can we include cover for contents belonging to hirers?
As a community building you may be asked to store property belonging to hirers at your premises. Rather than obtaining their own insurance often the most cost-effective way to cover such items would be to include them under the ‘All Risks’ section of your policy.
All we need to know is the name of the organisation and the value of their contents. We will then be able to list this on your policy and can advise the premium relating to such items at renewal so you can reclaim these costs from users.
Does the cover include car parks, and external areas?
Public and Property Owners Liability cover is extended to cover car parks or external areas for which you are responsible provided the cost of reinstating them is included within the buildings sum insured. You have a duty to maintain these areas and ensure they are adequately lit where appropriate.
Damage to vehicles in the car park would likely be covered providing that it were proven that the damage arose as a result of negligence from the committee. So if for example a hole developed in the tarmac that went unnoticed causing someone to trip then this again should be covered. It is the responsibility of the claimant to prove negligence. The property owner’s section would cover events such as a loose roof tile falling and damaging a vehicle.
This would not extend to cover cars that bump into each other, such a claim would be settled by the individual’s private motor insurance.
The policy states that cover is not applicable when the premises are unoccupied, is this correct?
You may notice under the Buildings & Contents section of the policy wording that cover is excluded when your premises are unoccupied. I would clarify the insurer’s definition of unoccupied as below.
‘Buildings that are hired or loaned to third parties on an hourly or daily basis for specific functions or activities as part of your activities are not deemed to be unoccupied during the periods between each hiring provided no one period between each hiring exceeds 30 consecutive days.’
Do we have a duty to clear Snow & Ice?
During bad weather it is difficult to know whether to clear your external areas of snow and ice. By clearing snow you may leave yourselves liable if the surfaces freeze over. The advice recommended by your insurers is as follows:
“If you decide not to attempt to clear away any snow and/or ice then should a third party injure themselves from slipping over whilst on your property then you will not normally be liable for any injuries sustained. If you do decide to clear away any snow and/or ice, then our recommendations are that you confine the clearing to the private areas which you are responsible for and not to clear any public paths, driveways etc, and to ensure that all traces of snow and/or ice are removed – because if a third party slips and injures themselves you may be liable for any injuries sustained. Third party liability claims can be expensive which will then have an effect on future renewal premiums. You should bear this in mind before you reach a decision.”
Am I covered for the theft of lead from the Hall roof?
Yes. If you have buildings cover, you are insured for the theft of external metalwork up to a limit of £25,000.
Does my cover include Libel and Slander?
Yes this is included within the Public Liability section up to a limit of £500,000.
Can insurance be provided for bouncy castles?
Yes cover is included at no additional cost providing that you meet the following requirements.
If you use any bouncy castle and/or any other land-based inflatable, you must ensure that:
access and use is controlled by an authorised adult employee/volunteer at all times
when used outside a building, it is securely anchored to the ground at each anchor point
each anchor point is signed, or otherwise marked to be made easily visible, and wrapped to prevent injury
soft matting is used to cover hard surfaces adjacent to the front or any open sides where there is a risk of injury from falling from the inflatable
My present insurer shows a buildings sum insured of £1m. Is this correct?
It is likely that the figure of £1m represents the maximum figure to which the buildings sum insured can be increased. Unless the rebuilding value of the Hall is £1m, it is likely that a lower and more appropriate sum insured will also be shown on your documents.
Do Norris & Fisher charge fees?
No fees are charged on our Village Hall policies arranged through Ansvar insurance
May I pay the premium in monthly instalments?
Yes an instalment facility is available and full details will be provided to you with the quote. We are able to arrange instalments at 0% interest for registered charities.
Can the Hall be hired to users who stay overnight?
Generally yes and at no additional premium but details of numbers and activities should always be referred in advance. If an event involves alcohol then we wouldn’t be able to extend cover to allow for overnight stays.
How should I calculate the buildings sum insured?
If you are unsure of the rebuilding value of your property we would advise you seek the advice of a surveyor or builder. This figure should allow for rebuilding if you were to suffer a total loss as well other costs such as site clearance and any professional fees.
We are not able to advise the exact costs per square metre. Insurers sometimes use £1,750 per square metre as a rule of thumb but this is an approximate figure and they advise not to rate your sum insured entirely on this. The figure is based on a hall of standard construction built 1850-1960.
The sum insured is index linked at renewal each year which keeps it in line with inflation as well as other costs so it should still be fairly accurate providing the initial figure was correct.
We are able to arrange a Desktop Valuation of your property. This is a service operated by Internet Surveys Ltd and is used to determine the total floor area and construction method of your premises. This is available free of charge to our current clients or new business.
The reason why it is important that you check the sum insured is because, if the sum insured is too low, any claim payment would be reduced by the proportion of underinsurance. In other words, if the sum insured were to represent 9/10ths of the true rebuilding value then you would be paid £9,000 for a claim of £10,000.
Do I need Fidelity Guarantee cover?
Fidelity Guarantee provides cover for loss of money arising from fraud or dishonesty, e.g. embezzlement by an officer of the committee. Ansvar’s Village & Community Hall insurance policy can be extended to provide this cover and an additional premium will be charged. Very few of our clients opt for this cover, especially in view of the fact that the money section already provides insurance up to £500 for such losses discovered within 14 days.
I have an Employers Liability certificate but no certificate for Public Liability. Is this correct?
Employers Liability is a compulsory form of cover if you have employees the law requires you to hold Employers Liability cover for an indemnity limit of at least £5m. Public Liability is not compulsory at law and so no certificate is issued. Under Ansvar’s Village & Community Halls insurance policy, committee members and volunteers come under the definition of employees and so would be covered by the Employers Liability section. The insurance certificate must either be displayed where it can be seen by the employees and volunteers or made easily available to them in electronic format.