Cluster

Parish councils

Insurance, statutory duties, audit, and the clerk’s job — for the people running England’s 10,000 parish and town councils.

Insurance

The parish council insurance market is small and concentrated. Four specialist schemes — Clear Councils (formerly BHIB Councils), Zurich Municipal, Gallagher (which absorbed Came & Co) and James Hallam — handle most of the business. The Aviva to Ecclesiastical underwriter switch on Clear Councils (2024-25) is the live editorial story.

Parish council insurance: cover, costs and renewal checklist →
The cover a council needs, the public-realm gaps to check, and how to document a sound renewal decision.

Insurance cost and comparison

Parish council insurance cost →
Real numbers by precept band: Zurich’s £196 entry, Clear Councils’ £1,848.38 three-year LTA benchmark.
Best parish council insurance →
The four schemes compared: Clear (NALC, now Ecclesiastical), Zurich, Gallagher (Hiscox), James Hallam. Includes the 2025 underwriter migration story.

Clerk to a council and want a specific guide written? Email the editor.