At the outset it should be noted that insurance is a complex legal subject and it is prudent to seek advice from a specialist professional.
For some insurance is peace of mind. What is it for allotmenteers? Viewpoint or perspective is the key to understanding. Transfer or part transfer of risk(s) and liability is a key issue for those who are deciding what kind of policy of insurance they should commit to for themselves,eg as plot-holder, official, or trustee, or for their allotment organisation, eg as parish council, plotholders' association, management committee, landowner...?
Before embarking on a read of what follows with the view to taking action, it may be useful to consider a review of your insurance context for your allotment insurance decisions - In other words: "What allotment risks are covered by your household or business insurance policies?"
Individual:
Check 1 The individual plotholder should review his or her existing insurance policies and find out the extent to which any perceived risks associated with their allotment activities are already covered.
The answer may be "None" but a pleasant surprise may await the enquirer! It is the lack of particular cover which may need to be addressed or transferred.
Landowner, Parish Council etc :
Check 2 A prudent landowner or local authority (as landowner) needs to check the extent of cover for allotment risks under existing policies.
An organisation may have "all-risk" insurances against many kinds of peril or otherwise "self -insures". Some insurance requirements are compulsory, eg employer's compulsory insurance, (unless an exemption applies). Again, it is the lack of specific cover which may need to be addressed (or transferred).
The next Post will continue the insurance theme.
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