Insurance for Social Farms & Gardens
As Social Farms & Gardens’ preferred insurance provider, we want to make sure you have the right insurance in place for your organisation and activities.
Social Farms & Gardens insurance specialists
McClarrons is an independent insurance broker offering specialist insurance advice and cover, and competitive rates, to Social Farms & Gardens’ members. McClarrons has worked with Social Farms & Gardens and their members since 2019 and currently look after the insurance needs of over 200 organisations running community green spaces, city farms and care farms in the UK.
McClarrons has spent the last 15+ years growing and developing our dedicated Care & Social Welfare Team meaning we can offer Social Farms & Gardens’ members access to specialist products and advice, and help you protect your organisation and the invaluable work you do. It is our aim to ensure that whatever challenges your organisation may face in the future, an inadequate insurance policy isn’t one of them.
Core Packages and Products
As Social Farm & Gardens’ preferred insurance provider, we want to make sure you have the right insurance in place for your organisation, people and activities.
Working with Ansvar Insurance, we have secured 4 core packages (outlined below), along with the option to have a bespoke policy tailored to your specific activities:
Community Garden
Care Farm
Urban Care Farm/City Farm
School Farm
To help make arranging your cover as straightforward as possible, Ansvar also offer an interest-free instalment plan, allowing you to spread the cost of your premium over the year at no additional charge.
What is included?
The following covers are included across all four policy packages listed above:
- Employers’ Liability – £10m (including volunteers)
- Public/Products Liability – £5m (this can be increased to £10m where required)
- Hirers Liability
- Non-hazardous Fundraising Events
- Group Personal Accident for Employees/Volunteers – £10,000 capital benefit
- Treatment Liability and Abuse Liability for Care Farms
We can also discuss optional extras for additional requirements your organisation may have, such as Trustee Indemnity, Professional Indemnity, Property Damage (including buildings and contents), Business Interruption and Computer Equipment. We can help you determine if any of these may be of benefit to you and how they could assist.
Ready to speak to one of our insurance specialists?
Your dedicated contact will be able to review your organisation’s set-up, activities and risks to provide you with a quotation to meet your requirements; this could be a policy package or a bespoke programme, for those with more unique activities. This means you can have appropriate cover in place at a competitive premium through a reputable insurance provider, protecting your organisation into the future.
Meet our Social Farms & Gardens insurance specialists
Jonathan Copley
Head Of Care & Social Welfare
Natalie Bielby
Client Advisor
Who are Ansvar Insurance?
At McClarrons, we are proud to partner with Ansvar Insurance. As the scheme provider for Social Farms & Gardens’ members, Ansvar brings decades of experience and understanding of the unique risks faced by charities, community organisations, and social enterprises.
Established in 1959, Ansvar Insurance has built its reputation on supporting organisations that make a positive difference. Their focus is clear – they insure charities, faith groups, not-for-profits, and community ventures, ensuring policies are suited to the challenges and values of purpose-led organisations.
Ansvar’s ethical approach means that every penny of available profit goes to good causes through its parent company, the Benefact Group – the UK’s third-largest corporate donor for over a decade*.
*Directory of Social Change’s UK Guides to Company Giving 2017-2026
Ansvar currently insures over 20,000 charities and community organisations nationwide. Their expertise is built on a detailed understanding of the not-for-profit landscape and a shared commitment to helping you continue your work safely and sustainably.
Many of their staff volunteer for charities themselves, and this first-hand insight shapes their service philosophy. Their dedicated claims team consistently achieves customer satisfaction scores above 95%, reflecting their commitment to fairness and responsiveness.
- Specialist cover designed for community and social impact organisations
- Trusted partnership with McClarrons to deliver tailored insurance packages
- Ethical values – profits donated to good causes through the Benefact Group
- Sector expertise – over 65 years supporting charities and not-for-profits
- Outstanding claims service, focused on care and resolution
Social Farms & Gardens Insurance Claims
For Social Farms & Gardens organisations, claims can impact not only operations but also the communities and individuals you support. Our in-house Claims Team provides hands-on support throughout the process, helping you manage claims involving liability, property, volunteers or service users.
We understand the unique risks associated with community spaces and charitable activities, which helps us to present claims accurately and effectively. Acting on your behalf, we liaise with insurers and third parties in order to help you achieve fair and timely outcomes. Our focus is on minimising disruption, protecting your organisation’s reputation and helping enable you to continue delivering meaningful community impact.
Client Testimonials
What insurance do you need?
We have created a really simple form below to help you get a better understanding of the insurance you may require.
If you do not know the answers please skip to the third page, complete the contact form, and one of the team will be in touch.
Alternatively, you can contact the team on 01653 600477 or by emailing care@mcclarroninsurance.com.
Why work with McClarrons?
Our Care & Social Welfare team have been working with charities for many years so we understand the unique challenges and risks you face and need to consider when it comes to arranging insurance. This means you can rely on the advice we provide and have confidence when it comes to choosing cover.
Working with insurers who cater for charities specifically, means we can provide you with options of cover that are really going to work for you and provide you with value for your premium – something that is particularly important for not-for-profit organisations. We are here to help future-proof your organisation and the important work you do.
What our clients say
A word from McClarrons' Head of Care & Social Welfare
Insurance FAQs
I don’t have any employees – do I need Employers' Liability?
In short, yes. Employers’ Liability is a statutory requirement for any organisation with employees, whether they are full-time, part-time, temporary employees, unpaid volunteers, interns or even work-experience students from a local school. You can be fined up to £2,500 for each day you do not have this cover in place, and up to £1,000 if you do not display your Employers’ Liability certificate or refuse to make it available to inspectors when asked. Read our Employers’ Liability Insurance FAQs here.
What is underinsurance, and why does it matter?
Underinsurance is a common mistake but a costly one, determined by the ‘condition of average’ clause, which you can read about here. Most Commercial insurance policies contain an Average Clause/Condition of Average, which allows insurers to proportionately reduce claim payments by the same proportion of underinsurance, where this has occurred (this can apply to Buildings, Contents and Business Interruption covers). Underinsurance essentially means you have insured for less than the true value of what is being covered. Read about an example of why a £200,000 building could receive only a settlement of £50,000 due to underinsurance here.
To keep track of your contents, we recommend keeping an Asset Register noting the dates you have owned items from, proof of purchase (or a note of ownership, if donated) and their current market replacement value. Download our Asset Register template here.
What can be done to manage risk at Community & Care Farms?
We are often asked what can be done to help prevent claims at Community & Care Farms. In our ‘Community & Care Farms – guidance for managing risk’ blog, which you can read here, we address four specific areas of risk to focus your time on; Preparing Care Farms for Visitors, Handling Hygiene, Safety of Staff & Visitors, and Animal Welfare.
Social Farms & Gardens also offer many health and safety resources on their ‘Publications & Resources’ webpage. Not only that, but their Green Care Quality Mark framework helps you obtain the minimum standards needed as a green care provider. The Care Quality Mark, awarded by Social Farms & Gardens, is a site-specific annual accreditation based on compliance and demonstrates that you run a safe, professional organisation and look after the people and animals in your care. Find out more about quality assurance through the Green Care Quality Mark here.
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