FLAG Insurance Information

Insurance

FLAG committee members from time to time review their activities, liabilities and risks, and consider whether insurance is necessary, or its cost proportionate to the residual risks to committee members in their FLAG roles.

FLAG committee members do not consider that the risks in their anticipated 2025 activities need insurance cover, nor justify what would be significant cost to FLAG monies.

Context

Individual plot liability insurance comes with membership of FLAG which provides associate membership of NAS: Associate Subscription to the National Allotment Society.

FLAG members must log-in to the members area of the NAS site to check their details have been entered correctly. The policy document can be downloaded here.

St Albans District Council covers risks and liabilities in respect of their land - the entire allotment site, trees, boundaries, access track, infrastructure etc. SADC does not give individual plotholder liability cover.

Typically societies – mainly their committee members - consider liability insurance in respect of risks into which they may enter. This varies greatly depending on whether a society is incorporated, has employees, contractors, shops, assets etc and whether they organise events for the public. Typically, society insurances available on the insurance market do not cover the liabilities of individual society members.

FLAG, as an unincorporated Group, could never assume liability for individual plotholders’ actions.

Working party activities are not the responsibility of FLAG, rather they are ad-hoc, one-off get-togethers of individuals. Joining in those activities is at each individual’s own risk and does not subject people to control or supervision by anyone. Joining in does not bring any insurance cover implications for others.

FLAG Jan 2025