Insurance for Social Farms & Gardens : simplebooklet.com

This guide has been written to assist Social Farms & Gardens' members with their insuranceneeds. It includes an introduction to McClarrons and who we are, along with usefulinformation to help you understand what type of cover you need, an asset register to helpkeep track of your valuables, and provides an outline of the core packages we offer. Who are McClarrons?McClarrons are an independent insurance broker offering specialist insurance advice andcover, and exclusive rates, to Social Farms & Gardens' members. McClarrons have workedwith Social Farms & Gardens and their members since 2019 and currently look after theinsurance needs of over 200 organisations running community green spaces, city farms andcare farms in the UK.McClarrons have spent the last 15+ years growing and developing our dedicated Care &Social Welfare Team so that we can offer Social Farms & Gardens' members access tospecialist products and advice, and help you protect your organisation and the invaluablework you do. It is our aim to ensure that whatever challenges your organisation may face inthe future, an inadequate insurance policy isn’t one of them.How we workYour dedicated contact will be able to review your organisation’s set-up, activities and risksto provide you with a quotation to meet your requirements; this could be one of our policypackages or a bespoke scheme, for those with more unique activities. This means you haveappropriate cover in place at a competitive premium through a reputable insurance provider,protecting your organisation into the future.ClaimsMcClarrons also have an in-house claims team whose sole job it is to support our clientswhen they have suffered a loss. Access to specialist loss adjusters and good workingrelationships with insurers allows your assigned claims handler to work on your behalf, toprovide you with as fast and fair a settlement as possible.#ServiceWithoutCompromiseWho areMcClarrons?PAGE 03

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QuestionIf YES, you may needDoes your organisation work with members of the publicand/or hold fundraising events?Public LiabilityDoes your organisation have employees/volunteers?Employers' LiabilityDoes your organisation give advice or a service to itsusers?Professional IndemnityDoes your organisation prompt and/or administermedications?Treatment LiabilityDoes your organisation have any trustees?Trustee LiabilityDoes the organisation own any property?Property DamageWould interruption to the organisation’s activities affectits income?Business InterruptionDoes your organisation have any tools/machinery/polytunnels?Contents CoverDoes your organisation own/run any vehicles?Motor InsuranceDoes your organisation work with children/vulnerableadults?Abuse CoverDo any employees/volunteers handle money on behalf ofthe organisation?Fidelity CoverDoes the organisation employ staff, and could it be atrisk of employment dispute?Employment Law ProtectionDo your services rely upon IT systems and/or do youhold sensitive/personal data?Cyber LiabilityWhat insurancedo I need?PAGE 04

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Core Packagesand ProductsAs Social Farm & Gardens’ preferred insurance provider, we want to make sure you have theright insurance in place for your organisation and activities.Working with Ansvar Insurance, we have secured 4 core packages (outlined below), along withthe option to have a bespoke policy tailored to your specific activities:Community GardenCare FarmUrban Care Farm/City FarmSchool FarmTo help make arranging your cover as straightforward as possible, Ansvar also offer aninterest-free instalment plan, allowing you to spread the cost of your premium over the year atno additional charge.The following covers are included across all of these policies:Employers' Liability - £10m (including volunteers)Public/Products Liability - £5m (this can be increased to £10m where required)Hirers LiabilityNon-hazardous Fundraising EventsGroup Personal Accident for Employees/Volunteers - £10,000 capital benefitTreatment Liability and Abuse Liability for Care FarmsWe can also discuss optional extras for additional requirements your organisation may have,such as Trustee Indemnity, Professional Indemnity, Property Damage (including buildings andcontents), Business Interruption and Computer Equipment. We can help you determine if anyof these may be of benefit to you.PAGE 05

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At McClarrons, we are proud to partner with Ansvar Insurance. As the scheme provider forSocial Farms & Gardens’ members, Ansvar brings decades of experience and understandingof the unique risks faced by charities, community organisations, and social enterprises.Who are Ansvar? Established in 1959, Ansvar Insurance has built its reputation on supporting organisationsthat make a positive difference. Their focus is clear – they insure charities, faith groups, not-for-profits, and community ventures, ensuring every policy is tailored to the challenges andvalues of purpose-led organisations.Ansvar’s ethical approach means that every penny of available profit goes to good causesthrough its parent company, the Benefact Group – the UK’s third-largest corporate donor forover a decade*. Experience you can trustAnsvar currently insures over 20,000 charities and community organisations nationwide.Their expertise is built on a detailed understanding of the not-for-profit landscape and ashared commitment to helping you continue your work safely and sustainably.Many of their staff volunteer for charities themselves, and this first-hand insight shapes theirservice philosophy. Their dedicated claims team consistently achieves customersatisfaction scores above 95%, reflecting their commitment to fairness and responsiveness.Why Ansvar for SF&G members?Specialist cover designed for community and social impact organisationsTrusted partnership with McClarrons to deliver tailored insurance packagesEthical values – profits donated to good causes through the Benefact GroupSector expertise – over 65 years supporting charities and not-for-profitsOutstanding claims service, focused on care and resolution*Directory of Social Change's UK Guides to Company Giving 2017-2026Protecting your community. Insuring your future.Who are?PAGE 06

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Q: I don’t have any employees – do I need Employers' Liability?A: In short, yes. Employers' Liability is a statutory requirement for any organisation withemployees, whether they are full-time, part-time, temporary employees, unpaid volunteers,interns or even work-experience students from a local school. You can be fined up to £2,500for each day you do not have this cover in place, and up to £1,000 if you do not display yourEmployers' Liability certificate or refuse to make it available to inspectors when asked. Readour Employers' Liability Insurance FAQs here.Q: What is underinsurance, and why does it matter? A: Underinsurance is a common mistake but a costly one, determined by the ‘condition ofaverage’ clause, which you can read about here. Most Commercial insurance policiescontain an Average Clause/Condition of Average, which allows insurers to proportionatelyreduce claim payments where underinsurance has occurred (this can apply to Buildings,Contents and Business Interruption covers). Underinsurance essentially means you haveinsured for less than the true value of what is being insured. Read about an example of why a£200,000 building would only receive a settlement of £50,000 due to underinsurance here.To keep track of your contents, we recommend keeping an Asset Register noting the datesyou have owned items from, proof of purchase (or a note of ownership if donated) and theircurrent market replacement value. Download our Asset Register template here.Q: What can be done to manage risk at Community & Care Farms?A: We are often asked what can be done to help prevent claims at Community & Care Farms.In our 'Community & Care Farms – guidance for managing risk' blog, which you can readhere, we address four specific areas of risk to focus your time on: Preparing Care Farms forVisitors, Handling Hygiene, Safety of Staff & Visitors, and Animal Welfare.Social Farms & Gardens offer many health and safety resources here. Not only that, but theirGreen Care Quality Mark framework helps you reach the minimum standards you need tomeet as a green care provider. The Care Quality Mark, awarded by Social Farms & Gardens,is a site-specific annual accreditation that is awarded on a compliance basis and shows thatyou run a safe, professional organisation and look after the people and animals in your care.Find out more about quality assurance through the Green Care Quality Mark here.InsuranceFAQsPAGE 07

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" We just wanted to say that we are very happy with theservice you have provided us with. It was really easy tooutline our requirements, and any questions we had wereanswered very quickly. Our new insurance premium ischeaper than what we were previously paying for a morecomprehensive cover. We are impressed with the wayyou have helped us and would definitely recommendMcClarrons. " - Pontyclun Allotments Association " We would definitely recommend McClarrons, the best,stress-free and knowledgeable option around. We havecomplete confidence and trust that you understood thebusiness and that you would get us accurate cover.Really great service, thank you. " - Woodgate Valley Urban Farm Ltd and Reboot Greencare " We have been delighted at the assistance we havereceived and would readily recommend Jordane atMcClarrons to any similar organisation. " - Marldon Community Composting TestimonialsPAGE 09

Insurance for Social Farms & Gardens

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