Learn more about Hirers Liability with Tennyson the charity insurance experts

Hirer’s Liability provides protection to organisations who hire out a room (or rooms) to other groups who may not have their own insurance.  It gives the hirer cover against accidental damage to third party property and compensation for accidental injury to third parties

Example

You allow local community groups to hire your meeting room, for a nominal fee, in order to hold their AGMs and some training sessions. Some of these groups have insurance and some do not. You decide it is best to take on responsibility for the insurance rather than leaving it to them.

Who needs Hirers Liability Insurance?

If you have premises that you hire out to individuals or groups then Hirers Liability might be something to consider. Some organisations take this cover to make it as easy as possible for groups to access their facilities – it therefore potentially enhances their income and gives them an advantage over other facilities which may be available for hire and are competing for the same ‘business’.

What does it cover?

Accidental damage to the premises or contents and accidental injury up to £2,000,000.

What does it not cover?

Hirers Liability does not cover hiring the premises for commercial or political use, and does not provide additional cover to organisations which already have their own Public Liability cover.

How much cover do I get?

£2,000,000.

What might it cost?

The cost of Hirers Liability depends on two main factors; (a) how much revenue you make per year from hiring your premises and (b) whether you have a written agreement with the individuals or groups that are hiring the premises. Cover starts from as little as £100 p.a.