What is Charity Public Liability insurance?
Charity Public liability insurance covers you for:
- The legal costs and expenses that are generating whilst defending a claim.
- Any potential damages and compensation awarded against you.
In the event of:
- Any alleged injury to a third party.
- Any property damage committed against a third party.
Why is Public Liability Insurance important?
In our increasingly litigious society, public liability insurance is an absolute necessity for organisations involved in the provision of care, support and advice for disadvantaged or vulnerable people.
That’s because there are a large number of ‘Wrongful Acts’ that can lead to a claim being made against you, ranging from a service user being injured, to damage you cause to third party property.
Accidental injuries such as slips, trips and falls can lead to a soft tissue compensation claim. Depending on the severity, this could cost in the region of £2,000 plus legal fees that can typically add another £5,000 to your costs; unless of course you have the right public liability insurance in place!
Some specialist insurance policies will include abuse cover as part of their public liability insurance:
What can go wrong?
Public liability insurance can help protect you and your organisation when things go wrong, for example by providing protection in the following examples:
Third party damage
A volunteer driver for a community transport organisation failed to adequately monitor a service user who then opened a car door into the path of an oncoming vehicle. The community transport organisation was held responsible for the damage caused to both vehicles in the incident.
Injury to a service user
A service user was sat in the rear of a car awaiting assistance when a volunteer inadvertently closed the car door into their outstretched hand causing cuts and bruising.
For more information on reducing risk with charity insurance, read another of our blog posts: