It can be difficult to tell what type of public liability insurance for community groups is fitting. After all, the collective term for community groups covers a large scope of activities. While the culture of litigation prevails, it may appear that some claims are far reached, and others based on evidence are completely justified. It is, therefore, best practice to always protect yourself in the event of the worst happening. Having this forethought offers much-needed reassurance to Third Parties that may be interacting with you or your group. Additionally, it gives you a professional standing and protection against bystanders that can come into contact with your activities in the community.
An insurance policy for community groups has the benefit that it can fit any required needs. It is important to consider what could fall under the category of a community group. This is defined as any interaction with members of the general public, either as an individual, a group, charity or as an organiser. Anyone that you come in contact with during your activities is defined as a Third Party.
If you work as an individual and help locally within the community, you may be covered under your personal insurance for a number of items. Depending on the style of policy, your existing cover may protect personal belongings such as your car or specific tools. It is worth noting that while contents insurance may cover some items, certain tools that you use in your tasks could fall out with your agreed conditions of the policy. This means that you either need to extend the existing policy or take additional cover out. Since general policies cover a variety of items, paying an excess amount is generally the rule rather than an exception. They also do not take into consideration any public liability that you could potentially encounter.
The largest risk factors are your interactions with Third Parties in the community. Should anything happen to someone which either causes them to sustain bodily injuries or impacts their property through damage, then you may be personally held liable to set things straight. Since you cannot predict what could go wrong in the future, any costs associated with claims could exceed the level of budget that you may have available. Having a public liability insurance in place, not only protects you against these unforeseen circumstances but makes it easier if you wish to expand your scope of activities and include other members in your insurance.
Being active as a group or charity introduces a number of variables, and having a public liability policy for community groups is indispensable. Members of your group also fall under the category of a Third Party, and depending on how risky the activity is, it offers them fitting protection in the event that something goes wrong.
If your projects involve traveling by vehicle as a group, then it is a legal requirement to have suitable motor insurance in place. There are certain restrictions as to how many people can travel together and remain protected. When it comes to organising events, such as marathons, you are likely to plan ahead and ensure the course runs without obstacles. If things happen to take an unexpected turn, you can feel assured that a public liability cover will give you fitting protection.
When it comes to individual or group activities, taking precautions is part and parcel of planning. While some activities are of lower risk than others, having a matched public liability insurance for a community group, allows you to focus on what is important, namely your contribution to the community.