Insurance: Difference between revisions

From Freegle Wiki
Jump to navigationJump to search
No edit summary
m (Added image of policy schedule)
(24 intermediate revisions by 5 users not shown)
Line 1: Line 1:
Freegle centrally has purchased an Employers and Public Liability Insurance (PLI) policy to cover Volunteers when they are engaged in Freegle activities.
===Events===
===Events===


When you hold an event to promote your group, 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 community, you could be covered by Freegle's Insurance as long as you provide some basic information and follow these guidelines.


===Getting covered by Insurance===
===Getting covered by Insurance===


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 group 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.
Please don't assume that everything you are doing as a volunteer is covered by the national 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 so Freegle has Employers Liability and Public Liability cover. To use this you 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 better.<br>
The basic procedure is:<br>
* Community/Volunteer who wants cover for an event emails insurance@ilovefreegle.org to say so.
* 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 insurance@ilovefreegle.org sends a copy of the insurance policy and cover 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 insurance@ilovefreegle.org


Email insurance@ilovefreegle.org to find out what you need to do to get covered.
If this process is not carried out, there is no guarantee of the insurance cover being applicable to your event.


===Policy Summary===
===Policy Summary===


Contract No: SC3342008102<br>
Policy No: 2155667622AO13498<br>
Policy No: 1200282<br>
Period of Insurance: 25 June 2022 to 24 June 2023 inclusive<br>
Insured: Freegle UK<br>
Insurance broker: Graham Sykes Ltd[https://graham-sykes.co.uk/event-insurance/]<br>
Period of Insurance: 1st October 2012 to 30th September 2013 inclusive<br>
Insurer: Covea Insurance plc[https://www.coveainsurance.co.uk/]<br>
Insurance company: Naturesave Insurance [http://www.naturesave.co.uk/]<br>
Policy Type: Multiple: Event<br>
Policy Name: Commercial Combined Insurance
Cover : Public Liability and Employers Liability. The employers liability section covers up to 4 volunteers/helpers.
[[File:Policy Schedule.jpg]]


COVER : Section G - Employers, Public and Products Liability
===Policy Details===


Summary of cover:<br>
For the small print, please see https://drive.google.com/file/d/14JYNS7maAyQYlKGy_SKG1ARNslGhKZgC/view?usp=sharing
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
===Excesses===
*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
Please be aware that for any claims under this policy, Freegle UK or Freegle Ltd will not cover the £250 excess for Public Liability. If a claim is made the excess is the responsibility of the Volunteer(s) who are party to the claim. This does not apply to the £500 Policy Excess in respect of any damage caused by a gazebo to volunteers/helpers.
===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===


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


For the small print, please see [[Insurance Policy]].
===INSURANCE COORDINATOR REMIT===


===Excesses===
* monitor the insurance@ mailbox and ensure all queries are answered promptly
* deal with requests for 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
* report to the Freegle Board


Please be aware that for any claims under this policy, Freegle UK 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.
The current insurance coordinator is Ray Owen.





Revision as of 18:51, 9 July 2022

Events

When you hold an event to promote your community, you could be covered by Freegle's Insurance as long as you provide some basic information and follow these guidelines.

Getting covered by Insurance

Please don't assume that everything you are doing as a volunteer is covered by the national 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 so Freegle has Employers Liability and Public Liability cover. To use this you 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 better.
The basic procedure is:

  • Community/Volunteer who wants cover for an event emails insurance@ilovefreegle.org to say so.
  • insurance@ilovefreegle.org asks for completion of an information form [1] and risk assessment form [2]
  • Once the form and assessment are submitted insurance@ilovefreegle.org sends a copy of the insurance policy and cover 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 [3]
  • 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.

Policy Summary

Policy No: 2155667622AO13498
Period of Insurance: 25 June 2022 to 24 June 2023 inclusive
Insurance broker: Graham Sykes Ltd[4]
Insurer: Covea Insurance plc[5]
Policy Type: Multiple: Event
Cover : Public Liability and Employers Liability. The employers liability section covers up to 4 volunteers/helpers. Policy Schedule.jpg

Policy Details

For the small print, please see https://drive.google.com/file/d/14JYNS7maAyQYlKGy_SKG1ARNslGhKZgC/view?usp=sharing

Excesses

Please be aware that for any claims under this policy, Freegle UK or Freegle Ltd will not cover the £250 excess for Public Liability. If a claim is made the excess is the responsibility of the Volunteer(s) who are party to the claim. This does not apply to the £500 Policy Excess in respect of any damage caused by a gazebo to volunteers/helpers.

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 insurance@ilovefreegle.org

INSURANCE COORDINATOR REMIT

  • monitor the insurance@ mailbox and ensure all queries are answered promptly
  • deal with requests for 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
  • report to the Freegle Board

The current insurance coordinator is Ray Owen.


Back to Events