Shield Total Insurance EXPERT ALLOTMENT ASSOCIATIONS INSURANCE
EXPERT ALLOTMENT ASSOCIATIONS INSURANCE Looking for great value insurance for your allotment association, club or society? Shield are proud to work alongside the leading representative body for the UK allotment community – The National Allotment Society – to bring you far-reaching insurance that is specifically designed for plot holders
EXPERT ALLOTMENT ASSOCIATIONS INSURANCE Specialist legal liability and contents cover that's down to earth. Shield can provide Public Liability, Employers’ Liability and much more, so you can trust Shield to meet your allotment insurance needs.
What Does Allotment Insurance Cover? ● The legal liabilities of the association, members of the association, employees of the association, trustees in their role of officials of the association and the association’s landlords It Can Also Cover: ● Buildings and Equipment ● Cups and Trophies ● Abandoned Events and Loss of Money
Policy Benefits Can Include: ● Up to £10 million liability cover for liabilities of the association, club or society. ● Up to £10 million liability cover for its members and landlords in connection with activities of the association, club or society. Members include: people officially registered as a permanent member, invited judges, stewards and any other person who is acting in an official capacity for the association, club or society. ● Up to £10 million employers’ liability cover for any legal liability for death, injury or disease to employees. This includes volunteers and assistants.
Policy Benefits Can Include: ● Up to £250,000 compensation if you are the victim of negligence and have been unable to re-coup your court award from the negligent person. ● Trustee indemnity up to £100,000 for an act, error or omission committed by a trusted person arising solely from their duties on behalf of the association, club or society - performed on a “not-for-profit” basis. ● Cover for the loss of or damage to cups and trophies.
Policy Benefits Can Include: ● £50,000 cover (or more on request) for loss or damage to buildings and equipment (including maintenance tools and self-propelled lawn mowers) that are owned, hired or used by the association, club or society. ● Abandoned events cover for meetings, functions, events, training sessions or shows organised by the club, following the cancellation of an event due to circumstances beyond your control. Please refer to the policy wording for more details.
Policy Benefits Can Include: ● Loss of money cover when taking money to the bank or when it is temporarily at the home of association, club or society officials. https://www.shieldtotalinsurance.co.uk/allotment-insurance/
Why ALLOTMENT ASSOCIATIONS INSURANCE? ● Allotment holders and visitors expect associations to provide an environment that is safe. ● You may consider you take great care to ensure your allotment is safe but someone seeking compensation will argue this is not the case and courts can return unexpected verdicts. Even if you follow basic housekeeping rules such as logging inspections of common areas and removing hazards quickly a claimant may argue your reasonable action was too little or too late.
Claims Examples Here are some recent examples of liability claims received by us. As you can see, even where we have Claim type Result Cost of successfully defended the claim for claim our clients, insurers pay defence costs that cannot be recovered Claimant hit by branch from a tree Claim in progress £85,000 from the other person even though Claimant tripped over step at clubhouse Claim in progress £50,000 the injury was not our client’s fault. Claimant slipped and sustained serious Liability accepted and £9,000 injury claim paid Damage to mains drainage in the course of Liability accepted and £2,400 ground works claim paid
Claims Examples Here are some recent examples of Claim type Result Cost of liability claims received by us. As claim you can see, even where we have Damage allegedly caused by farm equipment on Claim defended £2,300 successfully defended the claim for site successfully Defence our clients, insurers pay defence costs costs that cannot be recovered from the other person even though Damage to a motor vehicle on site Liability accepted and claim £2,250 the injury was not our client’s fault. paid Stones thrown by mower caused damage Liability accepted and claim £2,180 paid Claimant allegedly slipped and broke leg Claim defended £2,000 successfully Defence costs
Policy Documentation A Cunning Plot To Save You Money ● Key Facts ● Wording ● Terms and Conditions https://www.shieldtotalinsurance.co.uk/documentation/# allotment-insurance
The benefit of joining the Leeds Allotment Federation Group of Insured Allotments ● Group Volume Discounts! ● Pay Less than dealing with Shield directly ● It’s easy to forget to get reinsured every year ● Less Admin for individual allotments
Shield Insurance love NAS Members Shield are proud to work alongside the leading representative body for the UK allotment community – The National Allotment Society – to bring you far-reaching insurance that is specifically designed for plot holders. Also, Join the National Allotment Society Today!
What does your Allotment need to do to join the LAF group of Insured Allotments? ● Complete a data collection form and return it to groupinsurancecoordinator.ldgf@gmail.com by October 31st, 2019 ● Write to the above address to obtain a form and information pack.
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