Allotment Associations Insurance
Allotment holders and visitors expect associations to provide an environment that is safe. But what happens if a visitor is injured or their property is lost or damaged and they claim it was your fault? There are many firms who make a living from persuading people to claim compensation for injury or loss of property and the cost of such claims against your association could be disastrous.
You may consider you take great care to ensure your allotment is safe but someone seeking compensation will argue this is not the case and courts can return unexpected verdicts. Even if you follow basic housekeeping rules such as logging inspections of common areas and removing hazards quickly a claimant may argue your reasonable action was too little or too late.
Should a visitor be unfortunate enough to suffer an injury that prevented them from working, the cost could run into hundreds of thousands of pounds. Even if a court decides you were not to blame, the cost of lawyers’ bills alone will run into thousands that may not be recoverable.
At Shield we want to ensure that, if you are ever put in the situation where someone looked to you for compensation, you have the right allotment insurance cover needed to defend and manage the claim and to protect your allotment association. Beyond the cost of compensation, there is also the cost to your reputation and the stress and time spent dealing with claims. Your public liability policy allows you to concentrate on running your allotments whilst leaving your insurer to take the financial and time-consuming strain.
Here are some recent examples of liability claims received by us. As you can see, even where we have successfully defended the claim for our clients, insurers pay defence costs that cannot be recovered from the other person even though the injury was not our client’s fault.
|Claim type||Result||Cost of claim|
|Claimant hit by branch from a tree||Claim in progress||£85,000|
|Claimant tripped over step at clubhouse||Claim in progress||£50,000|
|Claimant slipped and sustained serious injury||Liability accepted and claim paid||£9,000|
|Damage to mains drainage in the course of ground works||Liability accepted and claim paid||£2,400|
|Damage allegedly caused by farm equipment on site||Claim defended successfully||£2,300|
|Damage to a motor vehicle on site||Liability accepted and claim paid||£2,250|
|Stones thrown by mower caused damage||Liability accepted and claim paid||£2,180|
|Claimant allegedly slipped and broke leg||Claim defended successfully||£2,000|