Not-for-profit and faith insurance specialist Ansvar has raised concerns that underinsurance is rife for the 13,000 village halls and centres across England, Scotland and Wales. It said inadequate cover could see some centres face closure in the wake of a significant loss.

Adam Tier, head of underwriting at Ansvar, said: “Village and community halls are no longer limited to being mere event venues; they have seamlessly woven themselves into the fabric of everyday life. From hosting yoga classes and farmers' markets to providing space for personal trainers, art workshops and post offices, these halls have become the lifeblood of community interaction. This evolution has created vibrant ecosystems where entrepreneurs can thrive, neighbours can connect, and shared resources can flourish.

"Indeed, by acting as vaccination centres during the COVID-19 pandemic and, due to the current cost of living crisis, as places families can go to receive emergency food provision, their importance to a community has been reaffirmed. The transformation of village and community halls into multi-purpose hubs is a heartwarming reflection of communities adapting to changing times. However, this also calls for a reassessment of the protective measures in place."

He added: “Being underinsured can have devastating consequences in the event of a large loss or significant damage to these buildings, where policyholders are forced to find the shortfall to reinstate the property. These delays in getting back up and running, or in severe cases back open at all, can leave a big hole in the local community.”

Share Story: