Insurance for the 3rd Sector
bland
www. scruttonbland .co.uk
Scrutton Bland Charity Insurance team has been actively working within the 3rd sector since 2007. We understand that charity insurance can be complex and the cover required often needs to be bespoke according to your specific needs.
Drug and Alcohol Abuse When dealing with service users with substance abuse problems, there can be specific areas to consider such as the testing and effects of drying out, higher Public Liability limits including treatment risks, Professional Indemnity and Trustee Indemnity. Care Homes Due to the specialist care delivered, cover for care homes should be bespoke, and dependent on the types of care you offer, for example, whether you offer personal, bathing or general assistance. We will work with you to provide tailored advice on the liability limits and treatment risk covers which are appropriate for your situation. Charities involved with Children/Vulnerable Adults Abuse cover is important under your public liability policy in addition to your standard covers. This cover will require certain conditions to have been met, such as ensuring that all volunteers/ staff involved with children/vulnerable adults have been Disclosure and Barring Service (DBS) checked, and that the correct child protection/vulnerable adult policies are in place.
Our experienced team of specialists can offer advice and help on all areas of risk management and insurance including: • Public Liability including abuse and events • Employers Liability including volunteers • Trustee Indemnity cover • Professional Indemnity • Legal Expenses • Employment Practice cover • Cyber Insurance In a busy world, we understand that insurance is not always at the top of your list; that is why we are committed to delivering exceptional service to you and your users. Our specialist team will spend the time getting to know you and your organisation and will provide you with a free insurance risk management review, giving you peace of mind in knowing that you have the correct insurance in place. Over the years we have seen many changes in the sector in respect of funding and Charity Commission regulations which we know can put a strain on income and time. Insurance is an essential requirement but there are simply not enough insurers. The great news is that by using our expertise and knowledge of the market Scrutton Bland has created a bespoke Charity Policy with an A-rated Insurer that offers excellent cover and competitive premiums.
We regularly work with charities operating across a wide range of areas including: Supported Living Supported living has increased over the last year due to personalised budgets and bespoke care packages. Scrutton Bland can help organisations involved with mental health, learning difficulties, autism and the care of children, to obtain the correct cover to meet their needs. Public Liability insurance which includes Abuse cover is vital for all organisations, particularly those working with vulnerable people. Professional Indemnity and treatment risks/medical practice cover should also be considered in respect of breach of duty and administration of medicine. We take a holistic approach by looking at the overall procedures you operate and advising you on an appropriate risk management strategy. Hospices Specialist insurance is required in respect of your liabilities, medical practice cover and fundraising. We will look at the medical processes you deliver and will then offer tailored advice according to how you operate. For example we have sometimes found that treatment risk is not the correct cover. Homeless Hostels Regardless of whether the hostel is a wet hostel or a night shelter, there are certain insurance covers which must be considered, such as increased Public Liability, Employers Liability and Professional Indemnity (which you will need if any advice is offered, or for breach of professional duty).
What our clients say about us:
Fundraising In the current climate, fundraising is an important factor for many charities. Our charity policies automatically include cover for fundraising events under the Public Liability coverage with the maximum attendees set at 500 at any one event (subject to risk assessments). If you require additional event cover we can help and can even arrange specialist event insurance for hazardous activities as they are normally excluded from a standard charity policy. Social Enterprises Social enterprises are started for a variety of reasons, whether it is solving a social problem, serving a community, or protecting the environment. Many start-ups rightly focus their energies on their cause but can be uncertain when it comes to identifying any associated insurance risks. We understand this sector and maintain a high focus on prioritising the needs of your organisation. We will always aim to find the right insurance policy to fit your needs, taking budget and your bespoke requirements into consideration. New Start Charities Starting up a new charity can be daunting; understanding which insurance covers you need can be confusing. Do you need Employers Liability cover? Should you have Professional/Trustee Indemnity? We will help you to understand the risks you might face and will advise you on the cover you will need to protect you and your organisation. Contact one of our Charity Insurance team for further information on the services we offer charities and organisations working in the 3rd Sector.
Arthur Stewart Accuro
Vivienne Wiggins Beacon House Ministries “It has been a pleasure working with Scrutton Bland this year. As well as working hard to find us the ideal insurance for our specialist area of work with the homeless in Colchester, they went the extra mile and sent a team in to decorate our CafePlus area. We feel that this is a good partnership, and they are doing as much as they can to help us use our money and resources wisely.” Ashfaq Siddaq Barking Muslim Association “It is really important to us that we have the correct cover in place to protect all of the stakeholders within the association. Barry at Scrutton Bland has taken the time to get to know us and used his knowledge of our sector to give us complete peace of mind.” Claire Staddon Operations Manager Emmaus Ipswich “As a fledgling charity, organising our insurance was a daunting task. The friendly and supportive approach by Barry made the whole process straightforward and easy to understand. As we evolve the business they respond to our needs quickly, enabling us to move forward with confidence. We feel that our needs have been understood and supported.”
“We took the decision to switch our insurance because we were
dissatisfied with the service from the previous company that we dealt with who were, for example, very slow in responding to queries, often seemed impersonal etc. Our experience with Shirley Greer and her colleagues at Scrutton Bland have fully justified our decision to look elsewhere. From them we have always received a prompt, efficient, personal & friendly service. All that and we saved on our premium too!” Choice Support “Choice Support financial standing instructions are such that we have to retender for major costs every three years for cost effectiveness. Scrutton Bland put in a very impressive and successful bid several years ago. Since then, they have been very proactive and conscience of our business needs. The team, especially Shirley, who we deal with on a regular basis, is very professional and they react very quickly to our needs. Scrutton Bland provides us with regular information including updates. It is nice and refreshing to work with an organisation that understands our business needs and the environment we work in.”
Nathalie Meagan Qattan Foundation
Ian Read Trustee & Hon. Treasurer East Anglian Railway Museum “We had worked with Scrutton Bland a number of times when our combined liability insurance was due for renewal and despite initially sticking with our long term provider, even though the Scrutton Bland quote was lower, so we admired their tenacity taking our reluctance as a challenge to improve on the quote for us. Eventually, it became clear the justification for sticking with our original provider did not stand up and we moved to Scrutton Bland who even accommodated our last minute request to keep our Engineering Inspection with a national firm we had confidence in.
“We have been working with Scrutton Bland for a number of years and found them very efficient. The response to our queries has always been very prompt and helpful. Service is always friendly - we would definitely recommend Scrutton Bland.”
Not only did we find the switch over easy and hassle free but felt that we were kept informed at all stages as the new insurer undertook risk evaluation visits and Barry helped us address some of the points raised to achieve appropriate cover with our risk management arrangements at competitive rates. At our latest renewal we reported our concerns regarding the poor service from the Engineering Inspection Company (the one we had insisted on) and Barry managed to gain a rebate on the premium and also find a better service from a local provider at a much reduced charge. We think this all adds up to an agent who perseveres, listens to the customer concerns and requirements then finds a competitive price and continues to work to address our needs. Exactly what you want from your chosen agent.”
Barry Davis Account Executive 01473 267007 barry.davis@scruttonbland.co.uk
Shirley Greer Account Executive 01206 838439 shirley.greer@scruttonbland.co.uk
Call: Cambridge: 01223 928065 Colchester: 01206 838400 Diss: 01379 643444 Ipswich: 01473 267000
bland
www. scruttonbland .co.uk
Scrutton Bland Financial Services Limited is authorised and regulated by the Financial Conduct Authority 0102/04/2017/ECG
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