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Freegle centrally purchases an Employers and Public Liability Insurance (PLI) policy to cover Volunteers when they are engaged in Freegle activities.  Currently this is not in force as Coronavirus has stopped all give and take and other community events.
===Events===
===Events===


When you hold an event to promote your community, you could be covered by Freegle's PLI policy as long as you provide some basic information and follow some guidelines.   
When you hold an event to promote your Freegle community, we may be able to offer you some event insurance (decided on a case by case basis).   


===Getting covered by Insurance===
On an average day of running an online community, there is minimal risk of an insurance claim by or against you. The risks are increased when you run an event or deal with things face to face.


Please don't assume that everything you are doing as a volunteer is covered by the Central insurance policy.  Of course, in the average day of running a community there is very little risk of an insurance claim by or against you.  But when you run an event or deal with things face to face the risks are increased.  To get cover, you will need to email insurance@ilovefreegle.org .  You will need to give at least 7 days notice of the event so that there is time to complete the process, but sooner than that would be even better!
You need to email board@ilovefreegle.org, giving at least seven days' notice of your event so that there is time to complete the process. However, sooner than that would be preferrable.<br>


The basic procedure for a community/volunteer is:<br>


The basic procedure is:
* If you want cover for an event, email board@ilovefreegle.org to say so.
* ommunity/Volunteer who wants PLI for an event emails insurance@ilovefreegle.org to say so.
* Please complete an information form [https://docs.google.com/spreadsheet/viewform?formkey=dHBvRl9oemlMTGNyUTJkODViZlo5blE6MQ#gid=0] and risk assessment form [https://docs.google.com/spreadsheet/ccc?key=0AhDLE82mEn2jdFB5NzBPQ2lNeXk4XzdZT0o1bVlrSFE#gid=1]
* insurance@ilovefreegle.org asks for completion of an information form [https://docs.google.com/spreadsheet/viewform?formkey=dHBvRl9oemlMTGNyUTJkODViZlo5blE6MQ#gid=0] and risk assessment form [https://docs.google.com/spreadsheet/ccc?key=0AhDLE82mEn2jdFB5NzBPQ2lNeXk4XzdZT0o1bVlrSFE#gid=1]
* Once the form and assessment are submitted, you will be sent a copy of the insurance policy and cover confirming that xxx event has been noted for the purposes of the policy and encourages use of spreadsheet for organising their event [https://docs.google.com/spreadsheet/ccc?key=0Aotr19dmAnNddFZOaFN3V21TM2hwS2dhZllocldqekE#gid=0]
* Once the form and assessment are submitted insurance@ilovefreegle.org sends a copy of the insurance certificate and policy to community/volunteer confirming that xxx event has been noted for the purposes of the policy and encourages use of spreadsheet for organising their event [https://docs.google.com/spreadsheet/ccc?key=0Aotr19dmAnNddFZOaFN3V21TM2hwS2dhZllocldqekE#gid=0]
* Once the event is over, feedback should be given to board@ilovefreegle.org
* Once the event is over, feedback should be given to insurance@ilovefreegle.org


If this process is not carried out, there is no guarantee of the insurance cover being applicable to your event.
If this process is not carried out, the insurance cover for your event will not be guaranteed.
===First Aid===
First aid cover is the responsibility of the volunteers, who, at a minimum, should make sure that people would know where to go in case of an incident and are given access to a phone and a chair.


===Policy Summary===
===Storage of Information===


Policy No: NS1500282<br>
The information given as part of the procedure for getting cover will be kept and accessed only by the mailbox board@ilovefreegle.org
Insured: Freegle UK and Freegle Ltd<br>
Period of Insurance: 1st October 2019 to 30th September 2020 inclusive<br>
Insurance broker: Naturesave Insurance [http://www.naturesave.co.uk/]<br>
Insurer: Catlin UK Limited <br>
Policy Name: Commercial Combined Insurance


COVER : Section G - Employers, Public and Products Liability


Summary of cover:<br>
The Board has the option to appoint a coordinator to help with local insurance.  The following remit for that role would then be:
Sub-Section 1 – Employers Liability  - Included
*GBP 10,000,000 any one occurrence but
*GBP 5,000,000 any one occurrence in respect of injury occurring offshore


Sub Section 2 - Public Liability - Included
===INSURANCE COORDINATOR REMIT===
*GBP 2,000,000 any one occurrence or series of occurrences arising from any one event and unlimited in the aggregate in the Period of Insurance
*Excess - The Insured shall bear the following amount of each and every claim in respect Property Damage :  Sub Section 2 - GBP 250 each and every loss in respect of third party property damage


Sub Section 3 - Products Liability - Not Included
* Deal with requests for insurance coverage from volunteers, ensuring all the procedures and paperwork required are completed
 
* Keep the insurance information on the wiki up to date
===Policy Details===
* Collate annual statistics so that Freegle has an overview of commitments against the policy in the past year
 
* Report to the Freegle Board
For the small print, please see [[Insurance Policy]].
 
===Excesses===
 
Please be aware that for any claims under this policy, Freegle UK or Freegle Ltd will not cover any excesses that apply.  If a claim is made the excesses are the responsibility of the Volunteer(s) who are party to the claim.
 
===Storage of Information===
 
The information given as part of the procedure for getting cover will be kept and accessed only by the mailbox insurance@ilovefreegle.org
 
===INSURANCE COORDINATOR REMIT===


* monitor the insurance@ mailbox and ensure all queries are answered promptly
* deal with requests for PLI insurance cover from  volunteers, ensuring all the procedures and paperwork required are completed
* keep the insurance information on the wiki up to date
* collate annual statistics so that Freegle has an overview of commitments against the policy in the past year
* reporting to the [[Health and Safety Officer]]


The current insurance coordinator is Ray Owens.




Latest revision as of 12:41, 14 November 2024

Events

When you hold an event to promote your Freegle community, we may be able to offer you some event insurance (decided on a case by case basis).

On an average day of running an online community, there is minimal risk of an insurance claim by or against you. The risks are increased when you run an event or deal with things face to face.

You need to email board@ilovefreegle.org, giving at least seven days' notice of your event so that there is time to complete the process. However, sooner than that would be preferrable.

The basic procedure for a community/volunteer is:

  • If you want cover for an event, email board@ilovefreegle.org to say so.
  • Please complete an information form [1] and risk assessment form [2]
  • Once the form and assessment are submitted, you will be sent a copy of the insurance policy and cover confirming that xxx event has been noted for the purposes of the policy and encourages use of spreadsheet for organising their event [3]
  • Once the event is over, feedback should be given to board@ilovefreegle.org

If this process is not carried out, the insurance cover for your event will not be guaranteed.

First Aid

First aid cover is the responsibility of the volunteers, who, at a minimum, should make sure that people would know where to go in case of an incident and are given access to a phone and a chair.

Storage of Information

The information given as part of the procedure for getting cover will be kept and accessed only by the mailbox board@ilovefreegle.org


The Board has the option to appoint a coordinator to help with local insurance. The following remit for that role would then be:

INSURANCE COORDINATOR REMIT

  • Deal with requests for insurance coverage from volunteers, ensuring all the procedures and paperwork required are completed
  • Keep the insurance information on the wiki up to date
  • Collate annual statistics so that Freegle has an overview of commitments against the policy in the past year
  • Report to the Freegle Board



Back to Events

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