Insurance for the 3rd Sector

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).

Made with FlippingBook - Online catalogs