Finding the Right Insurance. GMVSS Market Place Manchester

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1 Finding the Right Insurance GMVSS Market Place Manchester September 2010

2 Background Martin Ladbrook Chartered Insurance Practitioner 30 years experience Worked with Voluntary Organisations since 1993 Formed own company in 2000 M. Ladbrook Ltd t/a LADBROOK Independent broker set up specifically to assist Voluntary Organisations Steady growth over 10 years Marie Hallowes Broking Manager Authorised & regulated by FSA

3 Public Liability Insurance If a member of the public or any other third party suffers injury to person or damage to property which is due to the negligence of somebody representing the organisation then the insurance will pay out or provide indemnity. Limit of indemnity Not a legal requirement Relatively inexpensive for small organisations Costs depends upon size, range of activities and management of organisation Products liability insurance

4 Employers Liability Insurance Provides payment or indemnity to employer if as a result of their negligence an employee is injured and needs to be compensated Limit of indemnity Legal requirement Volunteers?

5 Property Insurance Equipment or stock might get damaged or stolen Covered in office, community centre, members home or outside Even donated funds might need insuring Buildings might need insurance

6 Legal Expenses No win, no fee claims Legal costs cover to defend claims from third parties, employees and ex-employees Legal helpline

7 Professional Indemnity Financial loss as a result of advice given Excluded under Public Liability Policies Signposting?

8 Trustees Indemnity Breach of Duty Trustees are personally liable for actions of other Trustees Claims examples

9 How can risk be managed? Transfer the financial consequences to third party (eg insurance) Avoid the activity Manage or mitigate risk Accept it

10 Identifying and managing risk What are the hazards? Who might be harmed and how? What action to mitigate is already being taken? What further action is necessary? Periodic monitoring and assessment

11 Impact and likelihood of risk Low likelihood, low severity of impact Low likelihood, high severity of impact High likelihood, low severity of impact High likelihood, high severity of impact

12 Claims examples Trustee breach of duty of care Dishonesty of a Trustee Claim for alleged defamation Volunteer making an Employers Liability claim Boy injured in children s play area

13 Poor practise Following slides are some pictures taken by Surveyor from Ecclesiastical when surveying Charity premises

14 Congested storage

15 Gas bottles in basement

16 No protection from roof area

17 Unserviced boiler with asbestos

18 Specialist Broker v Direct Insurer Level of Advice & Expertise, independent and impartial Cheapest is not always best Access to many products from a number of Specialist Insurers Individual Account handler providing unbiased personal service Call Centres We represent client, not the Insurance Company

19 Celebrating 10 Years For each month of 2010 we will be donating a prize to an organisation that introduces a new Voluntary Sector Organisation to us which results in that organisation taking out an insurance policy with us. There will be a draw made at the end of each month

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