Group insurance

BTCV is able to offer members of the BTCV Community Network access to competitive insurance through a scheme underwritten by Zurich. You can find details of how to become a member of the BTCV Community Network here.

Our Zurich insurance scheme provides the following cover:

Public Liability - Indemnity Limit £5,000,000 (Optional upgrade to £10,000,000)

Personal Accident - Zurich will pay the agreed monetary benefit to your group if anyone in your group sustains bodily injury by accident or assault whilst engaged on your official activities including direct travel.

The policy can cover voluntary and not for profit organisations that carry out practical conservation, it can also cover meetings and publicity and fundraising events. Group insurance cover starts from £100 per annum, with additional cover available for use of power tools or for groups who own or lease land.

For more details contact local-groups@btcv.org.uk, call 01302 388 834, or visit the Shop for an application form.

What type of groups can apply for insurance?

A wide range of groups doing environmental conservation projects can apply for insurance. BTCV will accept applications from the following types of group as part of this scheme:

• Allotments
• Animal Welfare
• Beach Care
• Cemetery groups
• Civic Society
• Community Health Project
• Community Regeneration
• Community/Village enhancement works
• Composting Schemes
• Environmental or geological survey work
• Environmentally sensitive management of natural resources or environment
• Footpath and Walking Groups (cover relates to pathway and access improvement, not the act of walking)
• Fossil Society
• Habitat Management (for endangered species such as Bat or Badger Protection Groups)
• Heritage (smaller scale heritage projects, not large restoration schemes)
• ‘In Bloom’ Groups
• Lock Preservation groups
• Millennium Greens
• Natural History Society
• Nature Reserves (less than 25 acres)
• Organic Gardeners/Organic Market (excluding commercial ventures)
• Pocket Parks
• Re-cycling (community based, not for profit)
• Residents Associations (for their conservation/environmental improvement work)
• Tidy Britain Groups
• Woodland management

Meetings, fund-raising, publicity, and public awareness events will be included for the purpose of achieving the above.

The following categories of group are excluded, but are welcome to contact BTCV for details of how to obtain a quotation from Zurich:

• Adventure Playgrounds
• Angling/Shooting
• Tools Clubs
• Groups that are part of parent organisations (like Groundwork or the Wildlife Trusts)
• Parish Councils
• 4 x 4 Clubs

Following their application the group will receive a Policy Schedule and Policy Document detailing the cover in full. If having read the document the group is dissatisfied with the extent of the cover, they have up to 28 days to cancel and receive a full refund.

• Public liability & personal accident policy summary - summary.doc
• Public liability & personal accident application form & premiums (pdf - 64KB)

If you require these documents in hard copy, please call the Customer Service Centre on 01302 388 883.

Tools insurance (fire & theft)

Several groups also require insurance for Tools. Tools insurance is available through a scheme operated by BTCV (not Zurich), which provides cover for Fire and Theft loss while tools are in a locked, previously declared location. Unfortunately the scheme will not provide cover for tools whilst in vehicles, in transit, or on site.

To obtain the tools Insurance application form contact Leanne Cobb on 01302 388 834, or email: L.Cobb@btcv.org.uk

Employers liability

Increasingly, more and more groups are securing external funding allowing them to employ people. We are now able to offer groups Employers Liability insurance, up to a maximum of five employees. Please contact Leanne Cobb on 01302 388 834, or email: L.Cobb@btcv.org.uk