Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • Lunch club insurance – Public liability and employers liability insurance for luncheon clubs
  • We can help satisfy the requirements of the premises manager for your lunch club
  • consider employers liability insurance for your lunch club to help protect your group against allegations made by volunteers

Luncheon Clubs

Across the UK, thousands of lunch clubs provide a highly valued service to local communities.  The opportunity for elderly people to come together and enjoy a nutritious meal provides a great social benefit to groups where loneliness is a real issue.

Of course, as with any voluntary group, while the risk of something going wrong is small, it is important to organise insurance cover.  Sometimes the facility being used will also insist on insurance cover being in place.

At Ladbrook, we have organised cover for hundreds of luncheon clubs, we are independent and will shop around to find the best insurance quote but making sure that the club is properly insured.  We are happy to discuss the covers that might be appropriate and provide advice and reassurance to your club.  We always provide an individual Account Handler for each and every client so you can deal with the same person each time you contact us.


Shelley Bacon

Account Handler

Luncheon Clubs provide a fantastic place for people to meet and we are happy to help any club needing to arrange insurance

Shelley Bacon, Account Handler

Customer Reviews

Doodleaid would like to thank Ladbrook for their service, professionalism, speed of service and friendliness.  All staff were very helpful and we would have no hesitation in recommending Ladbrook.

Bev, Doodleaid

Very many thanks for getting the paperwork back to us today.

Sylvia also asked that I send the thanks and appreciation of everyone connected with Mental Health Aberdeen, for the skillful negotiations you have demonstrated – as evidenced by the affordability of our new policy. We shall certainly be recommending your brokerage, but especially the efficiency and friendliness of your team, to other charitable organisations in our area.

I hope you have a great weekend and once again, thank you all so very much.

Bea, Mental Health Aberdeen

We have just finalised our 7th annual insurance renewal through Ladbrook Insurance and are very happy with the service received. The Account Handlers have always striven to offer competitive quotes and answered any queries or given further explanations by email or phone as appropriate and we have found this personal touch not only professional but also very reassuring


Lunch Club Insurance

We have organised lunch club insurance for a wide range of volunteer groups.  Many were instructed to find insurance after the hiring facility manager, a community centre for example, told the club that cover was required before the group could use the facilities.

While claims are thankfully rare, incidents do occur and we are currently defending one lunch club against an allegation from a volunteer over an incident in which the volunteer was burned retrieving a hot tray from an oven.  Most clubs would never consider that  volunteer who bring such a claim but even in close knit groups, claims for damages can and are bought.

We would always recommend as a minimum public liability insurance for your lunch club and we would also suggest employers liability insurance is a must in case an allegation is made by a volunteer.  Although it sounds unusual, in the wording of most insurance contacts, volunteers are treated as employees.

If you would like any advice on aspects of your need for lunch club insurance, contact us today.