Insurance for groups

Keeping your group insured

All Britain in Bloom groups and It's Your Neighbourhood groups are eligible for insurance through the RHS. Insurance cover is provided by NFU Mutual via our broker, Aon. 

There are two types of cover available:

Employers’ & Public Liability

• Employers’ & Public Liability (Indemnity limit £5m): £90
• Employers’ & Public Liability (Indemnity limit £10m): £110
  (Both policies have a £10m indemnity limit for Employers’ Liability)  

Sheds, Equipment, Cups & Trophies

• Sheds, Equipment, Cups and Trophies (Indemnity limit £5k): £103
• Sheds, Equipment, Cups and Trophies (Indemnity limit £10k): £152
• Sheds, Equipment, Cups and Trophies (Indemnity limit £20K): £199 

All group insurance policies will, as a one-off, run for 17 months from 1 September 2011 to 31 January 2013. This 17-month policy will only be in place this once, and the next insurance period will run from 1 February 2013 to 31 January 2014. It was necessary for the RHS to make this change in order to bring these subscriptions in line with our financial year. All insurance policies will run for the 17-month period, and, upon renewing, you will receive a proof of insurance certificate that verifies this. There are no pro-rata premiums, cover can be purchased at any time throughout but the full premium will be incurred.

For queries on the application process, please contact the Department of Community Horticulture on 020 7821 3069. For specific queries about the cover (i.e. what is covered), please contact Aon directly on 01179 485002.

Downloads & further information

To apply for insurance please download and read the information including Insurance Information which explains how to apply. Then complete both the RHS application form and the appropriate NFU Mutual application form(s).

• Insurance FAQs (122kB pdf)
• RHS application form (77kB pdf)
• NFU Mutual Employers' and Public Liability application (44B pdf)
• NFU Mutual Sheds, Equipment, Cups and Trophies application (47kB pdf)
• Public and Employers Liability Policy (198KB pdf)
• Sheds, Equipment, Cups and Trophies Policy (22KB)

Please note:

The premiums shown on the NFU Mutual application forms exclude a small administration fee. Full premiums are listed above and on the RHS application form.

Please ensure to sign and date BOTH sides of the NFU Mutual application forms.

All completed paperwork and premiums should be returned to the RHS at the address shown on the RHS application form.