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Employees & Volunteers
Whether you employ staff or rely on volunteers, consider the responsibilities involved in delivering your services and supporting people within your community.
PEOPLE & EMPLOYMENTCommunity organisations bring people together, provide essential support and make a real difference to local lives. Protecting the people, property and activities behind that work matters.
At Dixons, we understand that every community organisation is different. Whether you operate a community centre, deliver local services or support people through community projects, we help you explore insurance options that reflect the way you work.
Community organisations play an important role in people's lives. From supporting local residents to organising activities and providing shared spaces, there are responsibilities that come with the work you do.
Understanding these risks is an important first step towards arranging insurance that reflects your organisation.
Whether you employ staff or rely on volunteers, consider the responsibilities involved in delivering your services and supporting people within your community.
PEOPLE & EMPLOYMENTCommunity centres, offices and shared spaces may contain equipment, furniture and other valuable items that support your day-to-day activities.
PROPERTY & ASSETSWelcoming residents, visitors and service users into your premises or activities brings responsibilities towards the people who use your services.
PUBLIC RESPONSIBILITYWorkshops, community gatherings, trips and local events can introduce additional risks depending on the activities involved and where they take place.
EVENTS & ACTIVITIESPeople responsible for managing your organisation may face decisions and responsibilities that need careful consideration and appropriate protection.
GOVERNANCE & LEADERSHIPIf your organisation provides guidance, advice, support or specialist services, consider the potential responsibilities associated with the work you undertake.
PROFESSIONAL SERVICESThe right starting point is understanding how your organisation operates, who it supports and what it needs to protect.
From protecting your premises and equipment to considering the responsibilities that come with supporting local people, there are different types of insurance to consider.
Protection to consider if your organisation employs staff. Employers' liability insurance is generally a legal requirement where an organisation has employees, subject to certain exemptions.
PEOPLE & EMPLOYMENTConsider protection against claims involving accidental injury to members of the public or damage to third-party property arising from your organisation's activities.
PUBLIC RESPONSIBILITYCover to consider for trustees, directors and those responsible for managing your organisation against certain claims arising from alleged wrongful acts.
GOVERNANCE & LEADERSHIPConsider protection for community centres, offices, furniture, equipment and other property your organisation owns or is responsible for.
PROPERTY & ASSETSRelevant for organisations providing advice, guidance or specialist services, where claims may arise from alleged errors, omissions or negligence.
ADVICE & SERVICESConsider the insurance implications of community events, workshops, fundraising activities, trips and other organised activities.
EVENTS & ACTIVITIESWe'll take the time to understand your activities, responsibilities and circumstances before exploring the insurance options available.
The covers described are examples of insurance options that may be relevant to community organisations. Availability, suitability, exclusions and conditions depend on the individual circumstances and policy wording.
Community organisations need an insurance broker who understands the work they do, the people they support and the responsibilities they face. That's where a personal approach makes a difference.
We believe in building relationships, taking the time to understand your organisation and making insurance easier to navigate.
From community centres and local groups to organisations delivering support services, we recognise that no two organisations operate in exactly the same way.
We help you consider the different risks associated with your activities, people, premises and responsibilities.
Organisations change. New activities, additional volunteers or different premises can all affect your insurance needs. Keeping your arrangements under review matters.
Building lasting relationships is at the heart of what we do. Here's what some of our clients have said about their experience working with Dixons.
Sean is an experienced broker who is a pleasure to work with.
Excellent service, with a customer experience worth recommending.
Highlights the team's professionalism and reliability over a long-standing relationship.
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Read Our Google Reviews →Some of the questions community groups and organisations commonly ask when arranging their insurance.
It depends on the activities your organisation carries out, whether you employ staff, use volunteers, own or rent premises and interact with members of the public.
Common covers include public liability, employers' liability, buildings and contents, and trustees' or management liability. A broker can help you consider which covers are appropriate for your circumstances.
Most organisations that employ staff are legally required to hold employers' liability insurance, generally with cover of at least £5 million. There are some exemptions, depending on the organisation and its circumstances.
It is important to check whether your organisation falls within an exemption rather than assume it does.
Public liability insurance is not generally a legal requirement, but it can be important if your organisation has visitors, members, participants or members of the public attending its activities.
Venues, landlords or event organisers may also require evidence of public liability cover before allowing activities to take place.
Volunteers can be exposed to risks while carrying out activities on behalf of an organisation. The protection available depends on the policies arranged and their wording.
It is important to explain the role volunteers undertake, including any practical activities, events or work involving members of the public.
Yes, insurance arrangements can be considered for organisations using rented or leased premises. However, responsibility for insuring the building will usually depend on the terms of your lease or rental agreement.
You may still need to consider contents, equipment, public liability and other relevant covers.
Events and fundraising activities can introduce additional risks, particularly where visitors, participants, equipment or temporary structures are involved.
You should make sure your broker and insurer know about the activities you organise so that the appropriate cover can be considered. Do not assume every event is automatically included in an existing policy.
Trustees and committee members can have responsibilities when making decisions and managing an organisation. Trustees' or management liability insurance may help protect against certain claims arising from alleged wrongful acts in their management capacity.
The protection available will depend on the policy wording, exclusions and limits.
You should review your insurance at renewal and whenever something significant changes within your organisation. This might include employing staff, recruiting more volunteers, moving premises, increasing activities or organising new events.
Keeping your broker informed helps ensure your insurance arrangements continue to reflect what your organisation does.
Speak to our team about your requirements.
Whether you run a community centre, local group or organisation supporting people in your area, having the right insurance arrangements matters.
Talk to Dixons about your organisation, the activities you undertake and the insurance options available to you.
A personal approach to commercial insurance, built around understanding what matters to your organisation.