Tag: Ansvar

More charities closed than opened in Edinburgh in 2025

THIRD SECTOR FACES GROWING PRESSURE

Charities across Edinburgh entered the new year facing a complex operating environment, as Scottish Charity Register data reveals more organisations were removed from the register last year than were newly established.

According to the register, 101 charities were registered in Edinburgh during 2025, while 122 were removed from the register.

Removal from the register can include mergers or charities completing their purpose, but the figures highlight the ongoing pressures within the voluntary sector as organisations adapt to rising costs, regulatory demands and changing funding patterns.

This local picture mirrors UK trends. The Status of UK Fundraising 2025 report found that 54% of UK charities saw their fundraising income remain static or fall over the past year, with a substantial majority attributing this to wider economic conditions. While income is not universally declining, many organisations are having to work harder to maintain stability.

Ansvar Insurance, a specialist insurer for charities and not‑for‑profit organisations, says the challenge is less about short-term survival and more about long-term sustainability.

Photo of a group of friends studying together at home

Adam Tier, Head of Underwriting at Ansvar, commented: “Edinburgh has always had an incredibly active charity sector, but these figures show just how challenging the current environment has become.

“Rising operational costs, a more competitive fundraising landscape and increased demand with an average of 27% of Edinburgh residents relying on charitable services mean organisations need to think differently about sustainability.”

To help local organisations strengthen their resilience, Ansvar is encouraging charities to explore less obvious strategies that can make a meaningful difference:

  1. Build practical partnerships: Formal partnerships with organisations serving similar beneficiaries can reduce overheads through shared back-office functions, joint fundraising and collaborative grant bids, while strengthening funding applications.
  2. Focus on long-term supporter relationships: Nurturing existing supporters through regular updates and consistent storytelling can help convert into monthly giving, providing greater stability than one-off donations.
  3. Review insurance and risk exposure: A risk assessment can highlight duplicated cover or gaps in protection. As services evolve, charities should ensure their insurance reflects current activities to avoid unnecessary costs or unexpected exposures.

Despite the pressures, the registration of new charities in Edinburgh during 2025 demonstrates the commitment of local communities to addressing social need.

Adam Tier added: “Financial sustainability isn’t just about raising more money. Often, it’s about taking a fresh look at existing processes and asking the right questions.

“The organisations that thrive are those that plan ahead, understand their risks and adapt early, positioning themselves to weather these challenges and continue serving their communities for years to come.”

https://www.cafonline.org/insights/research/uk-local-giving-report-2025#interMap

Charity shops urged to tighten security as shoplifting rises across Edinburgh

Scottish Government recorded crime data shows that shoplifting continues to rise in Edinburgh.

In 2024 and 2025, there were 8,007 reported shoplifting incidents across the city, representing a 129% increase over the past decade. According to the Charity Retail Association’s 2024 survey, the majority of respondents said shoplifting had risen in the past 12 months, underscoring the growing challenge for charitable organisations and their volunteers.

Ansvar Insurance, a specialist charity insurer, is urging vigilance and proactive risk management to help protect charity shops, their assets and their people.

Adam Tier, Head of Underwriting at Ansvar, commented: “Charity shops play an essential role in our communities, raising vital funds and offering affordable goods to local people.

“Every item stolen from a charity shop represents funds that could have been used for essential services, whether that’s supporting vulnerable individuals, funding research or providing community programmes.

“Unlike larger commercial retailers, many smaller charity shops rely on volunteers and operate on slim margins, making them particularly vulnerable. Protecting their premises, stock and, most importantly, their people, is paramount to ensuring operational continuity.”

Ansvar has outlined five essential tips that charity shops and not-for-profit organisations are being encouraged to incorporate into their security protocols:

  1. Secure cash handling: Minimise the amount of cash held on the premises. Make regular bank deposits, preferably with at least one other person and varying the time and route. Securely store the till float out of sight overnight, and never leave cash unattended.
  2. Train staff and volunteers: Provide basic security awareness training to help recognise suspicious behaviour and respond appropriately without confrontation. Ensure volunteers understand they should never put themselves at risk by physically confronting suspected thieves.
  3. Protect valuable donations: Keep higher-value items, such as jewellery or electronics, in locked display cases or behind the counter.
  4. Have the right insurance protection: Ensure an insurance policy provides cover for theft, damage and business interruption. Specialist policies tailored for charities can help minimise financial losses and support the charity’s ability to recover quickly, allowing employees and volunteers to focus on continuing their work in the community.
  5. Install security equipment: Consider installing visible deterrents such as CCTV cameras and mirrors to eliminate blind spots, and display clear signage to indicate security measures.

Adam Tier added: “Theft can be scary and disheartening for those who give their time to support good causes. By staying alert and putting sensible safeguards in place, charity shops can continue to provide safe, welcoming spaces that make a real difference across Edinburgh’s communities.”

Ansvar is part of the Benefact Group, a charity-owned, group of financial services companies that gives all available profits to charity and good causes.

The Benefact Group is the UK’s third-largest corporate donor, underscoring Ansvar’s dedication to supporting the wider charitable community.

[1] https://www.gov.scot/publications/recorded-crime-scotland-2024-25/

Scottish charities urged to tighten protections amid fraud reports

Specialist insurer warns voluntary sector organisations not to overlook often-forgotten security measures, as awareness week approaches

Charities across the country are being urged to review their fraud prevention measures following latest data showing that 10 charity fraud incidents were recorded across Scotland in the past 13 months.

Data from Action Fraud’s Fraud and Cyber Crime Statistics Dashboard shows that these 10 incidents resulted in total losses of £31,700.

The figures reflect crimes reported to police, which may include cases where charities were directly targeted or where members of the public were deceived by fraudsters posing as charitable causes.

Ansvar Insurance, which specialises in providing cover to the charity and not-for-profit sectors, is highlighting the importance of vigilance ahead of Charity Fraud Awareness Week (8th to 12th December 2025), which aims to raise awareness and share good practice across the voluntary sector.

Adam Tier, Head of Underwriting at Ansvar, commented: “These figures represent real money that should have gone towards genuine charitable causes. Whether the victims are charities themselves or members of the public misled by fraudulent fundraising, the impact on trust in the sector is the same.

“The voluntary sector faces unique vulnerabilities, such as limited resources and high staff turnover, which criminals can exploit. As we approach Charity Fraud Awareness Week, we’re encouraging organisations to look beyond the basics and strengthen their long-term fraud resilience.”

While most charities are familiar with standard security protocols, Ansvar is drawing attention to three often-overlooked protective measures that organisations should not neglect:

  1. Review volunteer and staff access rights: People change roles, leave or take on new responsibilities. Regularly reviewing who has access to systems, bank accounts and data helps prevent both accidental and deliberate misuse.
  2. Validate all supplier or partner changes: Fraudsters will potentially impersonate trusted suppliers. Always confirm any change in bank or contact details by calling a known number, not replying to the email received.
  3. Audit cloud and shared access permissions: Many non-profits use cloud services for documents and donor data. Conduct a quarterly review of all user accounts and access permissions. Over-permissioned or dormant accounts are common entry points for cyber criminals looking for sensitive data.

Adam Tier added: “Charity Fraud Awareness Week is an opportunity for every organisation, large or small, to pause and review its controls.

“Prevention doesn’t always mean big budgets; it’s often about simple checks and staying alert to changes that don’t feel quite right.”

To help local organisations assess their vulnerabilities, Ansvar has published a cyber risk management guide on its website :- 

https://ansvar.co.uk/resources/risk-management-guides/protection-from-cyber-attack/. 

Insurer warns of growing risks for Edinburgh charities in 2025

Proactive steps for protection

According to the Scottish Third Sector Tracker, the percentage of organisations identifying financial challenges as one of their top three concerns has risen dramatically, from 47% in August 2021 to 77% in Spring 2024 [1]. Add to this rising service demands and escalating operating costs, and Edinburgh charities are likely to experience significant strain.

Ansvar Insurance, the expert provider of insurance for the charity, not-for-profit, faith and care sectors, has identified the five risks charities are expected to face in 2025, and is providing expert advice on how organisations can protect themselves. 

Adam Tier, Head of Underwriting at Ansvar, commented: “In 2025, charities will have to deal with rising operational costs, growing service demand, and monetary donations continuing to be affected by the cost-of-living crisis.

The impact on the sector has been significant, particularly for smaller, local charities, where resources are already stretched.”

1. Financial instability

Charities are struggling with declining donations and rising costs, including increased utility bills and the upcoming living wage increase to £12.21 per hour. To maintain financial sustainability, charities must prioritise financial planning and seek alternative funding sources like corporate partnerships and grants.

2. Increased demand for services

Whether it’s foodbanks, hospices or mental health support, charities across Edinburgh are on the front line. While government funding for social care and healthcare is expected to help, local impact will take time. Strategic partnerships with local authorities and other charities are key to managing demand effectively.

3. Declining income from donations

Changes in Inheritance Tax and Capital Gains Tax in the recent budget may encourage legacy giving. Therefore, charities should invest in donor engagement strategies to address any ongoing decline in donations.

4. Cybersecurity threats

Cybercrime is on the rise in the charity sector, with a third of charities that responded to the Government’s Cyber Security Breaches Survey 2024 [2] reporting they have fallen victim to an attack. Charities need to implement strong cybersecurity measures, educate staff on safe online practices and ensure they have insurance coverage specific to the charity sector that addresses cyber threats.

5. Regulatory and compliance risks

The government has announced that new charity tax regulations will come into effect in April 2026, which is in addition to the Data Protection and Digital Information Bill (DPDI) which may impact data protection, fundraising, and safeguarding. Ansvar urges charities to regularly review compliance strategies to avoid financial and reputational risks from regulatory breaches.

(Charities also face a hike in employers’ National Insurance contributions – Ed.)

Adam Tier added: “It’s vital that charities take proactive steps to ensure their resilience, from reviewing their financial strategies to securing adequate insurance cover to protect against emerging risks.

We’re committed to helping charities understand the hazards they face and take the proactive steps needed to protect themselves, so they can continue making a difference in their communities.”

Ansvar is part of the Benefact Group, a charity-owned specialist financial services organisation. The Benefact Group is the UK’s third-largest corporate donor, underscoring Ansvar’s dedication to supporting the wider charitable community.

1.  https://scvo.scot/research/scottish-third-sector-tracker

2. https://www.gov.uk/government/statistics/cyber-security-breaches-survey-2024/cyber-security-breaches-survey-2024

Edinburgh charities supporting young people invited to apply for £75,000 funding

Ansvar Insurance is delighted to launch its search for three outstanding charities to support, offering a generous donation of £75,000 to each over the next three years.

They will be looking to support charities that focus on helping children and young people to make positive lifestyle choices. This could include promoting safety, sports and exercise, mental wellbeing, or healthy eating, and registered charities across Edinburgh are being invited to nominate.

From all the nominations received, three charities will be selected to benefit from funding, each receiving £25,000 per year for three years, starting in January 2025.

Charities interested in applying are asked to initially submit a short application explaining their work and how the funding would be utilised, whether that’s to support an ongoing project or one that is about to begin. Applications can be made directly via the Ansvar website – Programme of Giving 2024 – Ansvar.

Sarah Cox, Managing Director of Ansvar, the expert insurance provider for the charity, not-for-profit, care and faith sectors, commented: “As a specialist insurer for the charity sector, we witness the incredible work these organisations do every day. Our Programme of Giving is a way for us to give back and provide support, encompassing our Community Hub, which is free, bookable office space we offer to charities and not for profit organisations, our colleague volunteering and fundraising, and our three-year cycle of grant giving.

“Previously, we offered £45,000 over three years, but we understand that numerous challenges have made it harder for charities to meet the needs of the people they serve. As a result, we have increased our funding to £75,000 for each charity. We hope this will make a significant difference to their work and help them continue to support young people.”

Charities can nominate themselves via the Ansvar website from now until to Monday 4th November. The winning charities will be notified by Friday 13th December.

Ansvar is a member of the Benefact Group, a charity-owned specialist in financial services. As the UK’s third-largest corporate donor, the Benefact Group strengthens Ansvar’s dedication to supporting the wider charitable community.

Vigilance urged as Edinburgh records decline in fire incidents

Data from the Scottish Government reveals a significant decline in fire incidents at non-domestic buildings in Edinburgh. Between the financial years of 2018/2019 and 2022/2023, fire and rescue services attended 991 incidents, representing a 25% decrease from the previous five years.

The decline underscores the effectiveness of work that the Scottish Fire and Rescue Service does with local organisations to raise awareness about fire safety practices. Coupled with the rules set out in the Fire (Scotland) Act 2005 and Fire Safety (Scotland) Regulations 2006, which mandates comprehensive fire risk assessments for all businesses, this demonstrates the impact of proactive measures.

Ansvar, an expert provider of insurance for the charity, care, not-for-profit, and faith sectors, is emphasising the importance of continued vigilance.

Adam Tier, Head of Underwriting at Ansvar, commented: “The decrease in fire incidents in Edinburgh is extremely positive news and highlights the impact that greater awareness and regulation reforms can have, particularly for protecting smaller businesses and organisations in the non-profit sectors, where operational continuity is paramount.

“Unlike large commercial companies, who may operate across multiple locations or have an ability to utilise hybrid working, many charities and not-for-profit groups cannot continue to function if their premises are rendered unusable due to fire.

“Organisations can take obvious steps like ensuring all areas are equipped with fire alarms and smoke detectors, conducting regular risk assessments, and providing fire safety training to staff and volunteers.

“However, there are also less obvious measures that can significantly enhance preparedness and resilience against fire incidents. We are encouraging organisations to incorporate these into their fire safety plans for comprehensive protection.”

Ansvar has outlined five essential tips to further reduce fire incidents:

  1. Storage and housekeeping: Poor storage practices, such as keeping flammable materials near heat sources, can significantly increase fire risk. Regular housekeeping to keep areas tidy and free of obstructions is crucial. If the organisation has a kitchen facility, ensure proper ventilation, regular cleaning of grease traps and extractor fans, and staff training on safe cooking procedures.
  2. Be arson aware: Arson can be one of the biggest causes of fire in non-domestic buildings. Ensure a building is secure when empty to deter intruders. Ansvar has put together an arson checklist, which is available to download from its website – https://www.ansvar.co.uk/home/risk-management-guides-arson/.
  3. Evacuation plan accessibility: Consider those with disabilities during fire drills and that evacuation plans account for different needs. This might involve designated evacuation assistants or specific procedures.
  4. Secure specialist insurance cover: Organisations should have comprehensive insurance cover specifically designed for their sector. Specialist insurance policies can provide tailored protection and support, helping to mitigate the financial and operational impact of fire-related incidents.
  5. Maintain safety of electrical items: Regularly inspect and maintain all electrical equipment, including portable appliances, and wiring. Use qualified electricians for any repairs or installations and avoid overloading electrical sockets. Proper care and maintenance of electrical items can significantly reduce the risk of fire. 

Adam Tier added: “While preventative measures are crucial, specialist insurance tailored to the unique needs of the not-for-profit sector can provide essential protection in the event of a fire. This helps ensure organisations can recover quickly and continue their important work within the community.”

Ansvar is part of the Benefact Group, a charity-owned specialist financial services organisation. The Benefact Group is the UK’s third-largest corporate donor, underscoring Ansvar’s dedication to supporting the wider charitable community.

[1] https://statistics.gov.scot/data/fire—type-of-incident

Call to manage risks of cashless giving after 60% of Edinburgh residents donated in 2023

Ansvar, an insurer specialising in the charity, not-for-profit, and faith sectors, is calling for charities and donors in Edinburgh to manage the risks associated with cashless giving.

The advice comes in response to findings from the Charities Aid Foundation, which highlighted significant shifts in donation trends, particularly towards online and cashless methods.

According to the Foundation’s 2024 annual UK Giving Report [1], British citizens contributed an estimated £13.9 billion to charitable causes in 2023, with an estimated 60% of Edinburgh residents having donated during the year. [2] This total represents an increase from £12.7 billion in 2022.

The typical donation remained at £20, demonstrating the continued generosity of the public. However, the COVID-19 pandemic has reshaped the landscape of charitable giving, with a marked decline in cash donations.

In 2019, 51% of donations were made in cash compared to 2021 when it dropped to 29%. In 2022, four in ten people who donated did so via direct debit. [3]

Martyn Fletcher, Deputy Managing Director at Ansvar, emphasised the importance of adapting to changing donation habits while managing associated risks.

Martyn said: “The shift towards cashless giving presents both opportunities and challenges for charities and donors alike. While it provides greater convenience and accessibility for donors, it does mean new challenges for charities in protecting against emerging risks.

“As cashless giving becomes increasingly prevalent, it is vital for charities to prioritise cybersecurity, implementing stringent protocols to safeguard data and donations.”

In light of these developments, Ansvar recommends implementing robust cybersecurity measures to safeguard donor information and financial transactions.

This includes regularly updating security protocols, investing in secure payment gateways, ensuring organisations have relevant insurance protection, and providing staff with cybersecurity training.

Additionally, Ansvar advises donors to exercise vigilance when contributing to charitable causes online, emphasising the importance of verifying the legitimacy of donation platforms and ensuring the confidentiality of personal and financial information.

While acknowledging the inherent risks, Ansvar underscores the numerous benefits of cashless giving, including the ability to make and receive instant donations and the expansion of fundraising channels. With options ranging from handheld card readers to QR codes and text-to-donate services, cashless giving offers convenience and flexibility for both charities and donors.

Martyn Fletcher added: “As the trend towards cashless giving continues to grow, it’s vital for charities and donors to work together to mitigate risks and maximise the impact of charitable contributions.”

Charities and donors are encouraged to follow Ansvar’s guidance to ensure the safe and effective management of cashless donations.

[1]https://www.cafonline.org/docs/default-source/about-us-research/uk_giving_report_2024_final.pdf?sfvrsn=8ac35647_2

[2] https://www.cafonline.org/about-us/research/uk-giving-report

[3] https://www.cafonline.org/docs/default-source/about-us-research/uk_giving_2023.pdf

Charity insurance specialist advises long-term planning for success

16 new charities launch in The Lothians this year

In 2023, 629 charities were established across Scotland, an increase of 25 compared to the previous 12 months. Of these, 116 were registered in The Lothians*, signifying a growing trend for people keen to make a meaningful difference in their communities as well as society at large.

The research was conducted by Ansvar, an expert insurer for the charity and not-for-profit sectors, using data available from the Office of the Scottish Charity Regulator. It reveals a shift in the philanthropic landscape, indicating that more people are actively seeking ways to contribute positively.

This is prompting Ansvar to extend its support and guidance to those aspiring to establish charities and community organisations.

Martyn Fletcher, Deputy Managing Director at Ansvar, said: “The increase of charitable registrations is definitely something to be celebrated.

“We understand that navigating the complexities of setting up and running a charity successfully can be complicated. It requires careful consideration and planning to ensure long-term success and sustainability.

“We are keen to empower those who want to establish their own charitable organisation in 2024 with the knowledge and resources needed to ensure the longevity and impact of their charitable endeavours.”

With the rise in charitable registrations, Ansvar is providing essential advice and guidance on the often-overlooked aspects of establishing and running a charitable organisation:

Identify the cause and purpose: 

Clearly define the mission and objectives of the charity and what positive impact it hopes to achieve. Find out if any charities are already providing the same services, as working together can be more effective than setting up a new charity and competing for resources.

Legal structure: 

Choose an appropriate legal structure for the organisation, such as a named fund or trust, social enterprise, or Scottish charitable incorporated organisation (SCIO). Each entity type has distinct legal and regulatory obligations, and being registered as a charity may pose limitations on pursuing the desired activities. It is therefore vital to understand the differences and restrictions.

Conduct a comprehensive risk assessment: 

The assessment should include considerations for insufficient funding, governance, compliance, fraud and cybersecurity, and legal and regulatory risks.

Create a business plan: 

Develop a detailed business plan outlining goals, activities, target beneficiaries, and anticipated outcomes. Include a budget that covers startup costs, operational expenses, and potential funding sources.

Registration: 

Register your charity with the appropriate regulatory body, such as the Scottish Charity Regulator, and ensure understanding and compliance with legal requirements for registration.

Insurance considerations: 

Assess the insurance needs of the charity, considering the size and nature of the operations, particularly in relation to staffing, volunteers and fundraising activities. Explore insurance options and work with a provider that understands the nuances of the sector.

Financial management: 

Explore potential funding sources, such as grants, donations, and fundraising activities.

Martyn Fletcher added: “Many people embarking on the journey of setting up a charity or community organisation may not be aware of the intricacies involved.

“By carefully addressing each of these steps and risks, aspiring charity founders can lay a solid foundation for their organisations and increase the likelihood of making a positive and sustainable impact in their communities.”

* Data as per charities registered by the Office of the Scottish Charity Regulator between 1st January 2023 and 30th November 2023.

Lothian charities encouraged to safeguard donations and resources during Fraud Awareness Week

With Charity Fraud Awareness Week taking place between 27th November and 1st December, Ansvar, a leading specialist insurer for the charity, not-for-profit and faith sectors, is raising awareness about how organisations across The Lothians can be proactive to protect their assets, reputation, and beneficiaries.

The week serves as a vital initiative to promote understanding about the serious issue of fraud within the charitable sector. From deceptive grant applications to cyber-attacks, and individuals posing as suppliers with ill intentions, fraudulent activities can severely impact resources and reputations.

Sam Ward, Risk & Compliance Consultant at Ansvar, commented: “Charities and not-for-profit organisations play a crucial role in our society and must protect themselves against the nefarious tactics of fraudsters. Preventing charity fraud is not only about protecting financial assets but also maintains the crucial trust needed for the ongoing support of the public and donors.

“Charity Fraud Awareness Week serves as a timely reminder to be vigilant and take proactive steps to preserve valuable resources. We are supporting the work it does to raise awareness and highlight good practice. By providing practical information, we can help charitable organisations protect their assets and continue to make a difference.”

Ansvar’s key strategies that charities and not-for-profit organisations can implement to help protect themselves against fraud are:

Protect assets: Safeguarding physical cash and securing online transactions are paramount. Be aware of the risks in terms of financial transactions and implement strong internal controls to mitigate those risks.

Screen personnel: Ensure the right people are on board, from employees to suppliers. Implement comprehensive vetting procedures for staff and suppliers to identify potential risks.

Train staff: Educate staff about the tell-tale signs of fraud, such as common spelling errors in communication, unusual communication tones, or unexpected urgent requests from unknown sources.

Regularly assess risks: Conduct risk assessments to identify vulnerable areas within an organisation. Knowing where potential risks lie allows charities to implement safeguards and allocate responsibilities appropriately. Multiple individuals should oversee high-risk areas, such as finances, to create a robust system of checks and balances. Ansvar’s online risk assessment guide for charities may help.

Have adequate insurance: Having the right insurance is crucial. Ensure a policy covers the specific risks an organisation faces and be aware of any exclusions.

Ansvar’s Sam Ward explains: “Your insurance broker will be able to help you find the right policy for your specific needs. If you have any doubts, do not hesitate to seek their guidance.”

Cyber-attacks are also a growing concern for charitable organisations. The increasing sophistication of cyber threats makes it challenging to differentiate between legitimate and malicious communications, especially without proper training and processes in place. Charities must invest in cybersecurity measures to protect sensitive data and maintain the trust of their donors.

Sam Ward underscores the importance of these measures:

“Fraud, including cyber-attacks, is a very real threat. Charity Fraud Awareness Week is a reminder for charities to fortify their defences against deceptive activities, and we are encouraging charitable and not-for-profit organisations to take proactive measures to protect themselves.

“By implementing practical steps, charities can continue their invaluable work and ensure that funds entrusted to them are used for their intended purposes.”

Urgent call to secure Edinburgh and the Lothians’ community halls

In an era marked by evolving community dynamics and changing societal needs, village and community halls across The Lothians have developed into central hubs for an ever-growing variety of activities.

In addition to the traditional group meetings, toddler groups and pantomimes, these spaces now foster the growth of small enterprises, facilitate community engagement, and house community businesses, such as post offices, cafes, and libraries.

However, the threat to their continued success lies in the balance as the addition of activities and changes in purpose bring new risks that may invalidate their insurance coverage.

Ansvar, the expert insurers for the charity and not-for-profit sectors, are urging centre committees to verify the adequacy of their existing protective coverage to guarantee the protection of these venues for future use.

There are approximately 3,000 centres[1] across Scotland that host thousands of events and celebrations every year. With some of these halls and centres being built before World War I or to commemorate it, many have been vital community spaces for over 100 years.

The varying usage agreements and quality of provisions and building materials differ considerably across the country. As such, they can face various risks, from accidental damage and fire hazards to potential liability claims.

Adam Tier, Head of Underwriting at Ansvar, emphasises the importance: “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.”

Due to recent inflationary pressures and the rapid increase in the cost of materials, a significant number of village halls and community centres will now be underinsured.

Adam Tier 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. Therefore, it is imperative that a buildings valuation is regularly updated and contents and other items are frequently inventoried.

“We understand the immense value community halls hold and want to ensure they are protected. Without adequate coverage, these community spaces and the clubs and local businesses they support can face significant financial strain or even closure.

“Working with a specialist insurer will ensure that the essence of what makes these community spaces thrive is preserved. They will understand the unique challenges community-driven initiatives face and provide tailored coverage to address those needs, ensuring peace of mind for community organisers and members.”

[1]https://www.gov.scot/publications/land-reform-review-group-final-report-land-scotland-common-good/pages/42/