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Town and Parish Council insurance and risk management

We understand the challenges town and parish councils are currently facing: the importance of keeping members of the public safe and the minefield of managing your risks. From protecting your buildings, your employees, and councillors, to cyber security, public liability, and risk management, we have the experience to ensure you have the right cover in place.

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Protecting your town and parish council, and members of the public. Ensuring your buildings, your employees, councillors, and the public, are covered against risks.

Keeping your town and parish council safe

As well as providing tailored commercial insurance solutions, we provide councils with the assurance that they are complying with legislation designed to protect your employees.

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Commercial insurance

It’s not just the bricks and mortar and contents of your town and parish council buildings that need insuring, there’s a range of other covers to consider; from cyber security and making sure your council’s reputation is secure, to motor fleet, employer’s and public liability, business interruption, commercial crime and more.

Bullet Point

Risk management

We provide councils with the assurance that they are managing risk in compliance with all relevant legislation. From an initial health check where we can work with you to understand and enhance your safety management systems, to a health and safety audit, fire risk assessment, and physical security audit which reviews your buildings’ security systems, access control and close circuit television management.

Why Choose Endsleigh

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We are part of Howden, the world’s largest independent retail broker network and have 30 years’ experience providing solutions for charities and not-for-profit organisations. We take the time to understand your specific needs and tailor a solution that protects your town and parish council, your employees, and members of the public.

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Town and parish councils FAQ’s

What commercial insurances are most relevant to town and parish councils?
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Public liability

Cover for compensation claims made against your town and parish council by third parties, including members of the public due to injury or damage caused to their property whilst on town and parish council property.


Employer’s liability

Cover for compensation claims made against your council by an employee, volunteer or work experience trainee for injury or illness caused whilst acting in the course of their employment.


Cyber insurance

Cover for your town and parish council against a range of threats and exposures, including cybercrime, data breaches and system interruption. You will also have access to legal advice and a team of experts to help minimise the damage caused, whether it be financial or reputational.


Buildings and contents

Cover for buildings that are either owned by the town and parish council, or for which they are responsible under a maintenance agreement. Cover can be extended to include accidental damage and subsidence. Contents insurance can be provided for items such as audio-visual equipment, computers, office machinery, general fittings, fine art, and sports equipment for all risks including accidental damage.


Business interruption

Imagine being unable to continue operating due to a fire, or damage caused by a storm. Business interruption covers the loss of income or additional costs incurred following physical damage to your property.


Councillors and Clerks

Without this cover, councillors and clerks who may commit a wrongful act, including breach of trust/duty, breach of care, misappropriation of funds and breach of health and safety, can be held personally liable to the full extent of their wealth or assets. Often these policies can be extended to include claims made against the organisation as well as an individual.


Commercial crime

Protect your council against financial losses caused by business-related crime committed by an employee such as theft, fraudulently transferring funds, damage to property or forging signatures on business accounts.


Legal expenses

Cover for any defence costs that may occur as a result of any civil proceedings brought against your town and parish council by a third party.


Motor fleet

Motor fleet insurance covers your motor fleet, including occasional business use for staff, who are required to use their own vehicles on council business (vans and agricultural/ groundskeeping vehicles).


Engineering

Whether you’re moving computer equipment from one site to another, or you run into problems with machinery or equipment that your council relies on, engineering insurance protects against machinery breakdown and business interruption as well as providing statutory inspection services.

What are the legal responsibilities for ensuring effective risk management in town and parish councils?
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The legal responsibilities for ensuring effective risk management in town and parish councils relate to the safety of employees, councillors, and members of the public. The Health and Safety at Work Act 1974 imposes a duty on all employers to ensure, so far as reasonably practicable, the health and safety of your board or trustees and directors, employees, and others (such as members of the public). It also provides assurance to enforcing authorities such as HSE, local authority, and the fire and rescue service.

How is a town and parish council at risk of financial and reputational exposure?
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Your council is at risk of financial and reputational exposure if you do not have a systematic approach to managing safety and health risks. When an effective system is in place, it helps avoid costly accidents, disruption losses and damage to the council’s morale and reputation. It also enables the council to comply with its duties under health and safety law.

Without an effective risk management system in place could a town and parish council be deemed negligent?
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Yes, a council could be deemed negligent without effective risk management systems in place. If you’re not managing risk adequately you could be seen to be operating inappropriately and carelessly. By implementing strong risk management principles, you can be confident in your own approach and provide assurance to:

  • Employees, councillors, and members of the public
  • Enforcing authorities such as the HSE, Local Authority or the fire & rescue service
  • Your insurers and auditors
Do you offer a risk management health check?
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Yes, Endsleigh offers a risk management health check. We offer single or multiple consultancy day(s), where we visit your council and work with you to understand and enhance your safety management systems.

What does your Health and Safety Audit cover?
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Our Health and Safety Audit allows us to provide you with a baseline of where your risk management currently stands. During a visit to your council, we will cover:

  • Health & Safety Management such as policies, training, and risk assessments
  • Premises and grounds statutory duties
  • Domestic premises (if applicable)
  • Landscaping/maintenance (plant and equipment)
  • Sector specific areas such as publicly managed premises (e.g. cemeteries, children’s playgrounds), leisure facilities etc
What does your Fire Risk Assessment cover?
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Our Fire Risk Assessment allows us to provide you with a baseline for where your risk management currently stands. We will tell you what you are managing adequately or well and where you need to improve. The assessment will enable you to be confident that you are:

  • Meeting your fire safety and health and safety legislative duties of care.
  • Reducing the likelihood of incurring an enforcement visit from the local fire safety officer.
  • Following a ‘Plan, Do, Check, Act’ system to ensure you are continually improving your fire safety culture and performance.
  • Following sector specific best practices such as the Ministry of Housing, Communities and Local Government (MHCLG) – fire safety guidance and British Standards.
What does your Physical Security Audit cover?
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Our physical security audit will provide you with a baseline for where your physical security risk management currently stands. The audit will review perimeter fencing and gates, potential weaknesses in your council buildings security systems, access control and closed circuit television (CCTV) management. We will tell you what you are managing adequately or well, and where you need to improve.

Need to contact us?

Our friendly team are ready to talk to you:

Monday-Friday 9am-5pm

Call us on 0333 234 1146