Insurance for Men's Sheds

Sheds need insurance! 

To cover the basics, you should have Public Liability and Contents Insurance. 

To make sure that there are no gaps in your cover Sheds should also consider Employer’s Liability, Trustee Indemnity, Business Interruption and Legal Expenses insurance. Some Sheds also require insurance for their buildings.

Public Liability protects your Shed against claims which could be made against it for accidental damage to other people’s property and compensation for acci-dental injury to third parties, where you may be at fault.

Limits of Liability available: £2m, £5m, £10m.

Employer’s Liability insurance protects your Shed against the cost of compensation claims brought against it as a result of illness or injury to people as a result of their work for and on behalf of the Shed. It is a legal requirement that your Shed has Employer’s Liability insurance if you employ people or you utilise volunteers in supervisory or training roles.

The standard limit of indemnity available is £10m.

Contents Insurance will reimburse your Shed for the destruction or theft of your tools, workbenches, stock, fixtures and fittings. In order to keep the price of the insurance down, our policy does not cover you for accidental damage, only for replacement in the event of theft, fire or other destruction. We ask Sheds to tell us the value of the entire contents – if you lose the lot, that is the sum you receive; if you lose half of it, you receive half of that sum.

Trustee Indemnity / Directors and Officers insurance provides financial protection to trustees (including directors, governors, committee members, officers or employees) whether you are a charity, an association, a club or a not for profit organisation because trustees can be held personally liable if anything goes wrong.. An error on a seemingly minor decision can put individual trustees personally at risk of compensation claims, legal action or official investigations.

Buildings Insurance applies if you are responsible for the building in which your Shed is located and covers the cost of repairing damage to the structure of your property. Garages, sheds and fences are also covered, as well as the cost of replacing items such as pipes, cables and drains. Your insurance should cover the full cost of rebuilding your Shed.

Buildings insurance also covers you for third party liability, so if, for example a tile falls from the roof and injures a passing pedestrian, you are covered for any legal action which they bring against your Shed.

Business Interruption Insurance provides you with a pre-agreed sum of money to spend on getting your Shed back up and running in the event of serious disruption to your activities.

In the event of a fire or a serious flood which renders your Shed unusable, a successful Business Interruption claim pay out will enable you to pay the rent on another building – and cover any other additional costs – while your shed is being repaired.

Of course the Shed’s Buildings Insurance will take care of the building repairs and the contents insurance will cover the cost of new tools and stock.

Legal Expenses insurance is designed to help you to get expert legal advice before a problem arises through the telephone legal advice service.


However, should a more serious legal problem occur, such as an employment tribunal or other dispute , for example with your lease and your landlord, the Legal Expenses insurance covers the cost of your legal expenses incurred while defending your Shed.

Call: 01256 770440
Email: enquiries@wessexbusinesshub.co.uk

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