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.