AGM in Garden
Q: We usually have our AGM in a local church hall. One of our Committee members was keen to investigate having this in our garden to increase attendance. Where do we stand from a liability perspective? If someone has a trip, falls and hurts themselves while at the church, presumably this comes under their insurances/liability?
If we do have the event on our grounds (with approval from the managing agent), do we need public liability insurance, risk assessments etc, or would this all be covered by the freeholder/managing agent insurances?
FPRA Chairman Bob Smytherman replies:
Changing venues for an AGM to increase attendance is a common issue facing our members. Providing a convenient and comfortable venue should be the main priority. If you decide to hold on your premises, such as a communal garden, I suggest asking the managing agent to carry out a risk assessment which would need to cover the issues you have raised.
Your estate should have Public Liability Insurance which should cover such issues as an AGM. The church hall should also have a P & L insurance which would cover you and the cost passed to you in the hire cost. The managing agent will be able to provide you a copy of your insurance for you to check the cover but £5m would be a usual cover for this.
[Submitted July 2019]