Protection for when slips, trips, spills and butterfingers make your event or meet-up more eventful than planned.
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Charities, clubs, and community groups are all about bringing people together.
Meeting up with others has all kinds of health and social benefits. Whether that’s a natter over a good book, engaging in community work or raising money for a worthy cause.
Unfortunately, though, all that good cheer and community spirit can quickly turn sour if there’s an accident.
A tea urn spilled over a visitor’s lap…someone tripping over a stray electrical lead…a member of the public falling foul of a wonky paving slab.
You can’t always expect the unexpected. But you can limit the damage with public liability insurance to cover charities, clubs, and community groups.
When you stack it up, there’s a lot that can go wrong when charities, clubs and community groups get together. Or when they put on events. Not-so-wild scenarios where someone gets injured, or their property is damaged.
If it’s deemed your fault, you could be held liable for compensation. And that could see your charity’s funds draining away quicker than the contents of a kicked-over cuppa.
Neither can you assume that the venue owner’s insurance will cover the damages.
As the event organiser, it’s you who has to answer to any claims for compensation. You might also have to pay for a lawyer to defend you in court. And that can end up costing a lot (injury claims can run to many thousands of pounds, in fact).
Public liability insurance is for when a member of Joe Public is injured, or their property is damaged, and they say it’s your fault. That might be in the course of the service you run, or at an event or meet-up you’ve organised.
It covers the third-party damages you’re liable for. For example, the cost of replacing some broken vintage crockery or something more expensive, like a PA system. Or, compensating someone for bodily injury, say after a basketball hoop falls on their head…
Your legal costs are paid for too if the case goes to court.
The other thing to note is that public liability covers you, your staff and anyone else helping out for property damage – including volunteers (some of whom are bound to be clumsy).That’s valid wherever the mishap takes place.
To cover bodily injury to a helper or volunteer though, you’ll need employers’ liability insurance.
We’d say all not-for-profits that have contact with the public need public liability insurance. Because you never know what might happen.
Charities that run large events need it because of a heightened risk to people and property (eg when organising a celebrity-studded fundraiser or a fun run with hundreds of participants).
But small clubs, charities, community groups, after school clubs, sports clubs and all kinds of other organisations need it too. In our experience, it’s these smaller organisations, with stretched resources, that might not conduct such thorough risk assessments…making mishaps more likely.
So, it’s just as well our public liability insurance is designed to cover charities of all shapes and sizes, working for just about every cause you can think of.
Our advice is to have some level of public liability protection, regardless of the size of your event.
Buy your policy online and you can easily add cover for events with up to 500 people. That’s all your coffee mornings, bake sales, fun runs, bike rides, fetes etc. sorted for the whole year.
If you’re running larger events throughout the year, give us a call. We’ll still be able to sort you out with a quote (in fact, we’d love to). But we’ll need a few details first, before we can match you with the best insurer for your needs.
Public liability insurance isn’t legally required, no. But we’d always recommend having it.
It protects your charity and keeps your funds flowing in the right direction – to the people or the cause you’re focused on.
It also helps look after your bank balance and your reputation.
In fact, legally, the only insurance you’re required to have is employers’ liability, which you must have if you employ people.
We’d also recommend using it to cover your volunteers – although it’s a bit of a grey area as to whether you actually need it or not (as we explain here).
The other three types of cover we’d advise all charities to have are trustees’, employers’ liability and cyber insurance.
Trustees’ insurance offers essential security for your trustees and officers, who bear legal responsibility for your charity’s activities (and may not even realise they do). If there’s a claim of wrongdoing, they can be held personally liable – without insurance, this puts their personal finances on the line
We’ve mentioned employers’ liability insurance already but it’s worth mentioning again. Because if you don’t have it, when you should, you’re not just breaking the law. The Health and Safety Executive can fine you £2,500 for each day you operate without it.
As for cyber insurance, it’s essential if you run a website, send emails or store people’s personal data. If your website gets hijacked, or your supporters’ data is stolen, it could spell financial and reputational trouble for your charity (read up on cybercrime’s impact on charities here). Best protect it with some insurance, then
See here for a full list of all the different types of insurance charities might need.
It’s hard to say exactly because all organisations are unique. It depends on what your charity, club or community group does, how it runs its activities and how many people are involved.
To give you a rough idea though, charity public liability insurance can cost from around £64 a year for £1,000,000 of cover.
It’s not a lot when you consider what you could end up paying without it.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a charity and not-for-profit specialist.