Our unit meets in a hut that is solely used by Guiding and Scouting. The land on which the building is built is leased by the Scout Association. A Management Committee then oversees the hut, maintaining it etc. That Committee is a mixture of leaders and parents. We have always had a separate Public Liability Insurance but we have now received conflicting opinions as to whether we need it. Our current broker says yes and Unity Insurance say we don't as we would be covered by Scout and Guide insurance. What do you think? Does anyone have experience of this? I'm not convinced that we would be covered as we aren't acting as leaders necessarily on the committee so are we covered if someone was hurt due to something relating to the building. Any help would be appreciated!