Although not a legal requirement Charity Public Liability Insurance offers protection against claims for injury caused by negligence and damage to third party property.
Charity Public Liability Insurance
There are lots of nuances to public liability insurance for your charity. Here are some points that you might consider.
Public Liability and Abuse in Charities
charities that work with young or vulnerable people are very sensitive towards safeguarding issues. A vital question is how your public liability insurance would react in the event that a civil case was bought against the group.
First of all, there is the matter of disclosure. It is essential that your insurer understands the extent of your activities, else you might find that any claim is disputed. You can read more about that in our guide to The Insurance Act.
Next the cover is a consideration. Some charity insurers completely exclude abuse as a risk, some require DBS checks and a safeguarding policy, some remain silent on the matter, leaving it open to interpretation and some place other restrictions on the cover, such as claims made wording.
If you need some advice on your abuse exposure and how your public liability insurance would operate, get in touch.
Charity Liability and Transport
Many charities are in the business of transporting service users or volunteers to carry out their activities. While one on one time in a vehicle with a service user can be a higher risk activity, it also can be the most productive time too. We have produced a paper considering some of the liability and risk considerations for charities involved in transport.
We have written some other specific help guides too:
Advice from the Government on how to insure your charity
A Government Guide: Charities and Insurance
Our blog concerning authorities and public liability insurance obligations: Contractual Insurance Obligations