Community services

Community Services Commercial Combined Insurance

Community services commercial combined insurance is for organisations that combine premises, staff, volunteers, public interaction, events, outreach, equipment and service delivery in one risk profile.

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Who It Is For

  • Community organisations and local service providers
  • Social enterprises, voluntary groups and not-for-profit operators
  • Organisations with premises, outreach, events, staff or volunteers

Cover To Review

  • Buildings, contents, equipment, stock and money
  • Public, employers' and volunteer liability
  • Professional indemnity, safeguarding, cyber, legal expenses and interruption

Underwriting Detail

  • Activities, beneficiaries, venues and event frequency
  • Staff, volunteers, safeguarding and lone-working controls
  • Contracts, funders, premises, equipment, claims and incident history

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Community Services Commercial Combined Insurance FAQs

Who needs community services insurance?Community organisations, social enterprises and service providers may need cover where they run premises, events, outreach, staff or volunteer activity.

Does volunteer activity need cover?Volunteer activity should be declared because supervision, safeguarding, injury and public-facing work can affect liability wording.

What evidence helps insurers?Activity details, beneficiary groups, premises information, volunteer controls, safeguarding, contracts and claims history all help.