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https://ngs.org.uk/?gclid=CjwKCAjwrJ-hBhB7EiwAuyBVXTcbJxb5vE1FyU9lp0IjGy0KoCOA7qlZdWAYkYcDnSF2N3HbBKvZGBoCnUEQAvD_BwE Might be worth contacting this mob to see whether they agree with your council!

Household insurance includes an element of public liability cover under the guise of either Occupiers Liability or Owners Liability or possibly still called Public liability. Also, I suspect charities that hold fund raising events will need to have some insurance cover.