I have an allotment on a council-managed site - no allotment association. This was tucked away in our quarterly allotment newsletter:
Public Liability Insurance - Act Now!
All allotment holders are required to obtain public liability insurance for their allotment plot. The main reason being that if someone has an accident on your plot or as a result of your actions you will need to be covered against possible injuries to that person. You can add this to your household insurance policy at either a nil cost or a very small charge.
Well, having spoken to my insurers I can't add this to my insurance, and at the moment it's not practical to change insurers. I was under the impression that the Council had insurance that covered individual plotholders, but apparently this isn't the case. Does anyone know of a company that I could take out an individual policy, just for my allotment?