Insurance for the allotment garden makes sense on two levels: The allotment garden association itself needs insurance to protect itself against various dangers. The allotment gardener himself protects his arbor from damage with allotment garden insurance.
Which insurance should be considered for the allotment garden association
The following insurance policies can make sense for the club:
- Liability insurance
- Legal protection insurance
- Accident insurance
- Building insurance
Liability insurance: If someone is injured on the grounds of the allotment garden association, liability insurance will cover them. This insurance should therefore not be missing from any allotment garden association. Since many allotment gardens are run by older people, a fall on the path is nothing unusual, but without appropriate club liability insurance it can quickly lead to major inconveniences. Legal protection insurance: Legal protection insurance serves to avoid financial costs in the event of a possible legal dispute. If this insurance is missing, a lengthy legal dispute can quickly use up a club's financial resources. Accident insurance: If one of the club members suffers an accident as part of their club activities, the club's accident insurance takes over. Building insurance: Building insurance protects the clubhouse against damage from storms, hail or lightning.
Insurance for the allotment gardener himself
The allotment gardener himself should also think about insurance. Building insurance and household contents insurance come into question (available together as so-called arbor insurance). They protect the allotment arbor from potential damage. What exactly is protected by the insurance is stated in the insurance conditions. Usually these are fire, lightning, storm and hail damage as well as insurance cover in the event of a burglary.
Which insurance policies make sense for allotment gardens?
There are various types of insurance for the allotment garden: The allotment garden association requires liability, legal protection, accident and building insurance. The allotment gardener himself should take out arbor insurance (building and household contents insurance) to protect against damage.
