Town, community and parish council insurance
Why choose Zurich Municipal for town, community or parish council insurance?
With 30 years' experience in the public sector, and over 4,000 town, community and parish council customers in the UK, we understand that every local council is different, and that taking the right steps to protect yours is a big responsibility.
That’s why we provide you with options that could help provide the right cover for your town, community or parish council. We provide excellent service and were rated 4.8/5 on Feefo in 2024. We can also help with risk management guidance.
Online package for your community or parish council
If your community or parish council has a precept under £30,000, and is not responsible for any skate parks, you could get a quote online in less than 5 minutes, from £196 a year.
Our online package includes the following fixed lines of cover:
- Public Liability: £12,000,000
- Employer’s Liability: £10,000,000
- Legal Expenses: £250,000
- Fidelity Guarantee: £250,000
- Libel and Slander: £250,000
- Personal Accident: Cover for employees, clerks, councillors and volunteers
- Money cover: Cover for money stolen or damaged, whilst under employee or councillor supervision
- All risks (contents) cover - Buildings not included
Online package optional extras:
- All Risks cover for memorials, monuments and statues, from £63 a year.
- All Risks cover for playground equipment, from £39 a year.
Download our Parish Council Package cover document to share with your councillors.
Tailored cover for your town, community or parish council
If you’re not eligible for our online package, or your insurance requirements are different, contact us for a tailored quote. You’ll be able to design your policy by buying Public Liability insurance and then adding any other covers you need.
When you contact us for a tailored quote, you’ll benefit from:
- Personal service
A dedicated contact will spend time getting to know your organisation - Extensive cover options
We offer a range of covers to suit your council’s requirements - The option to choose your cover limits
You can select the limits of indemnity that are right for your council and your activities - Long Term Agreements
Discounts available for 3 year agreements
You can call us on 0808 175 6296, request a quote online or arrange a call back.
Already got a quote online for your community or parish council?
What types of cover are available?
Covers included in the online package, and available on tailored policies:
This cover forms the basis of our tailored quotes and is included in our online package.
It helps to protect you and your volunteers against third party claims in the event of injury or property damage. It also helps with payment of legal costs and damages to defend claims against your council.
Cover is extended to include financial loss claims as a result of employee and councillor errors or omissions
This cover is included in our online package and can be added to our tailored quotes.
If your local council employs people in any capacity, you have a legal duty to protect them. Employers’ Liability cover helps protect your council if it’s found to be legally liable for causing an injury to an employee, whilst they’re carrying out their work duties.
Our Employers' Liability insurance includes:
- cover for claims made by employees against your organisation
- protection for those on work experience with your organisation
- reimbursement of court attendance costs following a claim under this policy.
This cover is included in our online package and can be added to our tailored quotes.
It’s designed to cover the cost of legal defence for your council with regards to legal disputes, including employment related disputes.
This cover is included in our online package and can be added to our tailored quotes.
It helps protect your council against the loss of money and/or property which you may suffer as a result of a dishonest or fraudulent act by an employee or councillor.
This cover is included in our online package and can be added to our tailored quotes.
It provides cover in respect of libels (written) or slanders (spoken) committed by employees or councillors in the course of your business. It is particularly relevant if your council produces publications or your employees use social media to broadcast opinions.
This cover is included in our online package and can be added to our tailored quotes.
It provides financial payment which you can choose to give to your employees, clerk, councillors and volunteers if they are accidentally injured whilst carrying out their business duties. Various benefits apply, depending on the type of accidental injury suffered. See your policy schedule and policy wording (document) for full benefit details.
Payments may include:
- a lump sum payment in the event of accidental death or serious disabling injuries
- regular weekly benefit payments for injuries that temporarily prevent the injured person from engaging in all or some of their business activities.
Personal Accident insurance doesn’t cover any legal costs or compensation that your organisation might have to pay if you’re found legally responsible for causing the injury. It also doesn’t cover compensation claims made by members of the public, whereas Public Liability insurance will. So, it is important to consider Personal Accident insurance alongside Public Liability cover, not instead of it.
This cover is included in our online package and can be added to our tailored quotes.
It helps protect your council if money is stolen or damaged whilst:
- under the supervision of your employees or councillors
- in your safe
- or in transit to the bank.
Money includes notes, coins, cheques, postal orders and postage stamps. Various limits apply, see your policy schedule and policy wording (document) for full details.
This cover is included in our online package and can be added to our tailored quotes.
It covers the cost of repair or replacement of items owned by your council including items such as:
- benches
- bus shelters
- office furniture.
Online package optional extras:
- Cover for memorials, monuments and statues
- Cover for playground equipment
Please note, if you need cover for a building our online package is not suitable for your needs, as it does not include buildings cover. Please call us for a tailored quote on 0800 077 8552 or request a call back.
Covers available to add to tailored policies:
If your local council owns a property, such as an office building or a community hall, you may want to insure it for risks such as damage from fire, flood or malicious damage.
This cover is not available as part of our online package. Should you need cover for a building, please call us for a tailored quote on 0800 077 8552 or request a call back.
Business Interruption cover provides financial compensation for additional expenditure, loss of revenue and/or loss of rent following a claim in respect of an insured event under the Material Damage (Buildings cover) section.
This cover is not available as part of our online package. Should you need it, please call us for a tailored quote on 0800 077 8552 or request a call back.
If your local council has premises that you hire out to individuals, then our Hirers' Liability insurance is something to consider.
Our Hirers' Liability insurance includes:
- cover against accidental damage to third party property caused by the hirer
- compensation for accidental injury to third parties caused by the hirer
- legal defence costs for claims against the hirer.
This cover is not available as part of our online package. Should you need cover for hiring out a room/building to third parties, please call us for a tailored quote on 0800 077 8552 or request a call back.
Our product approval process
Download the guide to find out more about our product approval process.
Our insurance product provides a complete package of covers designed to meet the demands and needs of Local Councils being Parish Councils within England, Scotland, Wales, Isle of Man and the Channel Islands. Customers can select the covers and limits to meet their specific requirements or opt for a fixed package policy which is offered online.
The target market is Local Councils which are registered in England, Scotland, Wales, Isle of Man and the Channel Islands.
This product is distributed direct and through a delegated authority arrangement.
The outcome of the Fair Value Assessment (FVA) conducted on 30th September 2024 in accordance with Zurich’s published FVA methodology confirms that the product provides fair value.
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Get in touch about town, community and parish council insurance
- 0808 175 6296
Lines are open 9am - 5pm Monday - Friday
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News and insight
A collection of Zurich Municipal’s latest risk insight, thought leadership, articles and commentary relevant to local government.