Youth groups provide a hugely valuable service to communities across the UK, we would be delighted to help you find inexpensive but comprehensive youth group insurance.
Youth Group Insurance
What should my youth group consider?
Every management committee has to make decisions that are in line with the constitution and best interests of their non profit group and youth groups are no different.
However, youth group insurance can help financially protect you from claims bought against the group from a number or risks that are inherent in organising activities with children.
Public liability insurance for youth groups is an absolute essential element of cover. Although an unpleasant consideration, particular attention should be paid to the ‘abuse’ wording which is part of the public liability cover and whether any specific endorsements or exclusions are included.
Public liability insurance for your youth group will provide financial protection if your group is sued following damage or injury to a member of the public or child during your activities. It also includes the cost of defending a claim.
Most youth club insurance policies we organise also include an element of employers liability. Most insurers will insure the youth groups liability to volunteers under an employers liability section. Of course, if your youth group is large enough to employ someone, even if only on a temporary basis, employers liability is a legal requirement.
Large youth organisations may need to extend cover to include buildings and additional assets. We can also organise cover for groups with vehicles and discuss the need to protect the management committee with a trustees indemnity policy.
Youth Club Insurance – Other Covers
Many youth groups also organise trips for children and we can discuss the need for travel insurance requirements which can be organised on a group basis. This might be particularly important if the youth club is organising a trip which may involve exciting outdoor activities, you will want peace of mind that your youth club insurance extends to include these too.
Likewise, any events that your group organises can be fully insured. If you know of planned events when organising your youth club insurance, it might be possible to incorporate those events into your annual policy, depending on the activities and scale of them. Larger scale events (and sometimes bonfire night insurance cover) may need to be arranged separately.