Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • Public Liability Insurance for Play Out Groups – This covers liability for injury or property damage to members of the public.  this could be residents, children, the local authority or other members of the public.
  • Employer Liability – We would recommend that playing out groups consider this cover as volunteers are nearly always classed as employees, not members of the public.
  • Council Demands? We often find that local authorities wish for £5,000,000 of cover in place for them to authorise a street closure.  We can help make sure you meet any demands imposed.  However, we will discuss this with you as we do not want you to pay more than you need to for your play out insurance.

Street Play Insurance

When parents group together to create a playing out group, the aim is simple – Reclaim the streets for children.  However, insurance is a consideration for playing out groups.

At Ladbrook, we have helped many groups meet the demands of a local authority or provide protection for the public and volunteers.  If you are looking for insurance for a playing out group, get in touch with us today.

We understand that any costs that a Playing Out Group incurs need to be met by donations and will work with you to find the most cost effective solution we can.


Marie Hallowes

Operations Director

We have seen a rise in playing out groups – Kids reclaiming the streets is a great idea!  We would advise on taking insurance advice though and the council might insist on cover if you are putting in place a road closure.  We can help your group with play out insurance needs.

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

Play Out Insurance

We have organised insurance for may playing out groups and at Ladbrook, we think they are a wonderful idea.

It is very healthy for children to play out, there are great social values to be learned.  To do so while the street is closed changes the environment and makes for a fantastic bit of fun.

Particularly in city centre environments, the opportunities to play out can be limited.  What an opportunity to meet the neighbours too!

Insurance and Risk for Playing Out Groups

While playing out groups represent a fairly safe environment, some things could go wrong.

If a neighbour made an allegation of damage to property and specifically took action against the group, you would be glad of public liability insurance.

If a child was injured, it is unlikely that the group would be blamed as play is supervised in most cases.  If you plan on unsupervised play, make sure your insurer is aware as this could increase the risk considerably.  We would advisel your group not to take responsibility for supervision in your playing out group.

Often the council will ask your group to provide insurance as part of the road closure.  these requests might be for £5,000,000 of cover.  Discuss any insurance demands placed upon you and we will make sure you can meet them.

Single Session / Multi Session

Economically, insurance for a single playing out session is going to be relatively expensive.  Playing out groups tend to be at the lower end of the insurance premium scale and sometimes at the minimum premium level.  At that level, it is clearly more economic if an annual policy might cover, for example, ten play out sessions in the year.

If you are looking for play out insurance, contact us today and see if we can support you.

Playing Out: Risk and Insurance Guide

We have written a guide concerning street play insurance and risk which can be accessed by following the link.