Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • Public Liability Insurance – To protect the organisation in case a claim is bought by a member of the public for injury or from a property owner for damage to their building.
  • Employer Liability Insurance – Community garden groups rarely have employees! However, many insurers (not all) will consider your volunteers as employees, meaning that this insurance is very important.
  • Assets – Tools, machinery, sheds, polytunnels – We have helped many community garden groups protect their assets.

Community Garden Insurance

More and more communities are reclaiming space and putting it to good use, whether it be improving the appearance of a neighbourhood or growing produce.  Community gardening is hugely popular and gives a great opportunity for local people to socialise too.

Community Garden Insurance is an important consideration for such groups.  While accidents are thankfully rare, you will want to consider the risks to volunteers, the management committee and public property.

Community Garden Insurance is generally inexpensive and as an independent broker we can advise you on appropriate cover and approach our range of insurers that specialise in helping voluntary organisations.


Marie Hallowes

Operations Director

Community gardening has become increasingly popular, we will always talk through the groups activities and make sure that only the cover that is needed is arranged.

Marie Hallowes, Operations Director

Customer Reviews

As a small charity, excellent service is very important to us when choosing the right insurance policy for our organisation. Ladbrook Insurance have always been very helpful when guiding us with regard to the best insurance policy.  We have used them as our broker now for three years and will continue to do so.  Their staff always give us the best of attention at all times.

Chloe Palmer, Director, Trent Rivers Trust

After several disappointing experiences with other brokers I found Ladbrook Insurance to be a breath of fresh air! Any queries I have had regarding my policy have been answered quickly and without any hassle.  The customer service is excellent. They have an extensive knowledge of their insurers and found me an excellent policy.  Thank you!

Samantha, Pass on Preloved Items

First class service from an agent who went above and beyond to source the perfect insurance for our charity, FASD Aware Northern Ireland.  Nothing was to much bother and someone was always on hand to answer any questions.  Thank you so much for all your help and for your kind and friendly service

Alison McNamara, FASD Aware NI

Community Garden Insurance

Does my Community Garden Group need Public Liability Insurance?

Almost certainly you do.  Often if you are operating on local authority land, the authority may insist on £5,000,000 of public liability insurance for your group.  Damage to a third parties property (such as a building) is one risk but equally, injury to a member of the public is also something to consider.

As an example of a real claim from a Ladbrook client, a member of the group digging on a verge, struck a cable and the reparation to BT ran to several thousand pounds.

Are gardening volunteers insured under  public liability?

Not normally, no.  It is rare that an insurer will extend their public liability to include volunteers of a community gardening group.  Normally, you will need to organise employers liability cover.

Can we cover Sheds / Containers etc and their contents?

Absolutely.  Unfortunately, theft from sheds and containers is not at all unusual for community garden groups, often they are out of sight in the evening and poorly lit.  Thieves are also attracted by the possibility of stealing petrol driven machinery which can be resold fairly easily.  If shared tools and machinery for your group are stored in such a way, you would want to consider insuring all the assets, including the shed and the tools.

We use Power Driven Machinery, can we be insured?

In short, yes.  We insure groups who use equipment such as chainsaws and other potentially dangerous machines and tools.  as a broker, our approach will be to discuss your activities with the range of insurers that we know offer low cost community garden insurance and ensure that they are fully aware of all of your activities.

We sell produce, is this activity insured?

We can certainly arrange insurance for community garden groups that are selling produce.  For many groups it is a valuable fundraising activity and one that raises the profile of the group in the community.

We have organised insurance for community orchards who may sell their fruit to support the group and to highlight their activities.

What is the range of organisations you insure?

As well as community gardens, we have arranged cover for community woodland (including those groups involved in some tree maintenance, lopping etc), Men’s Sheds, community orchard insurance and other groups involved in maintaining and preserving grounds.

Do you insure litter picking activities?

Yes, we have arranged cover for groups involved in a single pick or included these activities in a wider community garden insurance policy.  we have also written a guide for safe litter picking to help keep groups that pick litter.