{"id":2924,"date":"2019-03-27T15:44:54","date_gmt":"2019-03-27T15:44:54","guid":{"rendered":"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/?p=2924"},"modified":"2020-01-23T15:00:03","modified_gmt":"2020-01-23T15:00:03","slug":"charity-public-liability-insurance-explained","status":"publish","type":"post","link":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/blog\/charity-public-liability-insurance-explained\/","title":{"rendered":"Why is Charity Public Liability Insurance so important?"},"content":{"rendered":"<h1><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt;\"><strong>What is Charity Public Liability insurance?<\/strong><\/span><\/h1>\n<p><strong><span style=\"font-family: arial, helvetica, sans-serif;\">Charity Public liability insurance covers you for:<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">The legal costs and expenses that are generating whilst defending a claim.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Any potential damages and compensation awarded against you.&nbsp;<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"font-family: arial, helvetica, sans-serif;\">In the event of:&nbsp;<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Any alleged injury to a third party.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Any property damage committed against a third party.&nbsp;<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-3006 size-full\" src=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Covers-you-for.jpg\" alt=\"Charity Public Liability Insurance covers you against the legal costs and expenses that are generating whilst defending a claim, and any potential damages and compensation awarded against you.\" width=\"600\" height=\"200\" srcset=\"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Covers-you-for.jpg 600w, https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Covers-you-for-260x87.jpg 260w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Why is Public Liability Insurance important?<\/strong><\/span><\/h2>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">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.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"> That\u2019s because there are a large number of \u2018Wrongful Acts\u2019 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.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Accidental injuries such as slips, trips and falls can lead to a soft tissue compensation claim. Depending on the severity, this could cost&nbsp; in the region of \u00a32,000 plus legal fees that can typically add another \u00a35,000 to your costs; unless of course you have the right public liability insurance in place!<\/span><\/p>\n<p><strong><span style=\"font-family: arial, helvetica, sans-serif;\">Some specialist insurance policies will include abuse cover as part of their public liability insurance:<\/span><\/strong><\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-2997 size-full\" src=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Important-for-care-organisations.png\" alt=\"Charity Public Liability Insurance is particularly important for care organisations and can protect against an incident or alleged incident. \" width=\"600\" height=\"200\" srcset=\"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Important-for-care-organisations.png 600w, https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Important-for-care-organisations-260x87.png 260w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/strong><\/span><\/h2>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>What can go wrong?<\/strong><\/span><\/h2>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Public liability insurance can help protect you and your organisation when things go wrong, for example by providing protection in the following examples:<\/span><\/p>\n<h3 style=\"text-align: left;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Third party damage&nbsp;<\/strong><\/span><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-family: arial, helvetica, sans-serif;\">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.&nbsp;<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-3001 size-full\" src=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Car-Crash.jpg\" alt=\"Third party damage\" width=\"600\" height=\"200\" srcset=\"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Car-Crash.jpg 600w, https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Car-Crash-260x87.jpg 260w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h3><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Injury to a service user<\/strong><\/span><\/h3>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">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.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-3000 size-full\" src=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Bandaged-hand.jpg\" alt=\"Injury to a service user\" width=\"600\" height=\"200\" srcset=\"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Bandaged-hand.jpg 600w, https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2019\/03\/Bandaged-hand-260x87.jpg 260w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\">ThirdSectorProtect<\/span><\/h2>\n<p>Think your organisation could benefit from a free expert no-obligation insurance review by one of the team at <a href=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/who-we-cover\/\"><strong>ThirdSectorProtect<\/strong><\/a>? Get in touch on <a href=\"tel:08008778277\"><strong>0800 877 8277<\/strong><\/a> to reach us today!<\/p>\n<p><em>For more information on reducing risk with charity insurance, read another of our blog posts:<\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/2019\/01\/16\/insurance-for-community-groups\/\">Insurance for community groups: Which cover?<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/2018\/04\/25\/how-could-gdpr-affect-your-charity-insurance\/\">How could GDPR affect your charity insurance?<\/a><\/strong><\/li>\n<\/ul>\n<p><em>For more tips and tricks on all things related to charities, not-for-profits and community groups,&nbsp; follow us on&nbsp;<a href=\"https:\/\/www.facebook.com\/ThirdSectorProtect\/\"><strong>Facebook<\/strong><\/a>,&nbsp;<a href=\"https:\/\/twitter.com\/ThirdSecProtect\"><strong>Twitter<\/strong><\/a>&nbsp;&amp;&nbsp;<a href=\"https:\/\/www.linkedin.com\/showcase\/thirdsectorprotect\/\"><strong>LinkedIn<\/strong><\/a>.&nbsp;<\/em><\/p>\n<table width=\"124\">\n<tbody>\n<tr>\n<td><a href=\"https:\/\/www.facebook.com\/ThirdSectorProtect\/\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-2152\" src=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2018\/09\/facebook.png\" alt=\"\" width=\"120\" height=\"120\"><\/a><\/td>\n<td><a href=\"https:\/\/twitter.com\/ThirdSecProtect\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-2154\" src=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2018\/09\/twitter.png\" alt=\"\" width=\"120\" height=\"120\"><\/a><\/td>\n<td><a href=\"https:\/\/www.linkedin.com\/showcase\/thirdsectorprotect\/\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-2153\" src=\"https:\/\/www.networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-content\/uploads\/sites\/6\/2018\/09\/LinkedIn.png\" alt=\"\" width=\"120\" height=\"108\"><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>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.&nbsp; In the event of:&nbsp; Any alleged injury to a third party. Any property damage committed against a third party.&nbsp; Why is Public [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":2501,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[172,3,10,14,15],"tags":[148,121,63],"acf":[],"_links":{"self":[{"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/posts\/2924"}],"collection":[{"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/comments?post=2924"}],"version-history":[{"count":1,"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/posts\/2924\/revisions"}],"predecessor-version":[{"id":7009,"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/posts\/2924\/revisions\/7009"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/media\/2501"}],"wp:attachment":[{"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/media?parent=2924"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/categories?post=2924"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/networkportfolio.co.uk\/ncinsurance.co.uk\/thirdsectorprotect\/wp-json\/wp\/v2\/tags?post=2924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}