Charity & Not-for-Profit

27 October 2015

Charity Insurance Tips - 6 Key Legal Duties for Charity Trustees

Written by Jon Norman, Posted in Charity & Not-for-Profit

In an effort to provide heightened clarity of the duties and responsibilities for Charity Trustees, in July 2015 the Charity Commission updated its guidance on the administrative and legal duties which should reasonably be expected of those undertaking this role.

Whilst adhering to the six key guidelines below cannot guarantee that trustees will not be subject to Trustees Indemnity Insurance claims under a Charity Insurance policy, they will certainly help in reducing exposure as well as assisting in defence of any action which may be raised.

26 April 2015

Charity Insurance Tips - Do You Comply with Duty of Candour Regulation?

Written by Jon Norman, Posted in Charity & Not-for-Profit

From 1st April 2015 the Care Quality Commission (CQC) has introduced the new Duty of Care Regulations.  Any organisation providing social care or health services must comply with the new rules, or face potential prosecution.

09 April 2015

Charity Insurance Explained - Guide To Not-for-Profit Cover

Written by Jon Norman, Posted in Charity & Not-for-Profit

The tens of thousands of charities and not-for-profit organisations throughout the UK face many risks that can result in loss, damage or liability risk, both for the charity as a whole, and the trustees.

Typical risks include damage to a charity’s property, loss of a charity asset or resources, and third party liability for public liability or professional indemnity exposures.

Part of mitigating these risks is having an appropriate Charity Insurance Policy. The following is a brief guide of different covers that typical charities should consider, but you should always take expert advice on your own individual and specific risks and exposures.

26 February 2015

Charity Insurance Tips - Think Before You Partner with A For-Profit

Written by Jon Norman, Posted in Charity & Not-for-Profit

When a charity or not-for-profit organisation partners with a standard firm or company (a for-profit business), it is known as cause-related marketing.  This can be a very tempting option for a social enterprise organisation, particularly as solid funding routes can often be difficult to find.

However, the associated risks in for-profit partnerships can be substantial and are often misunderstood by charities.  Your Social Enterprise “brand” could be tarnished by association with the wrong partner, not to mention a wealth of legislative issues which could impact the chances of success.

05 February 2015

Charity Insurance Tips - Are Your Youth Protection Measures Adequate?

Written by Jon Norman, Posted in Charity & Not-for-Profit

As a charity or social enterprise it is your organisation’s duty to protect the safety of all your members and volunteers, particularly your youngest members.  Failure to implement a robust monitoring and safety programme could lead to accusations of misconduct or abuse and subsequent claims under your Charity Insurance policy.

16 January 2015

Charity Insurance Tips - Guide To Safe Fundraising

Written by Jon Norman, Posted in Charity & Not-for-Profit

As a charity, CIC or not-for-profit organisation, successful fundraising is your lifeblood. You deeply rely on it and cannot afford any problems with your fundraising activities or events. Knowing the applicable charity laws governing your fundraising activities and the associated risks is the best way to ensure that your efforts will generate funds to keep your organisation thriving. 

Failure to follow the correct rules or procedures can result in fines or civil claims, Trustees can also be held responsible for the activities of your charity, as such, is it always advisable to purchase suitable Trustees Indemnity under your Charity Insurance policy.

07 January 2015

Charity Insurance Tips - 7 Principles for Social Enterprise Governance

Written by Jon Norman, Posted in Charity & Not-for-Profit

Any organisation needs good governance and structure to prevent dissolution. Charities and not-for-profits, with their tight budgets and limited resources, are especially in need of judicious governance that prioritises the needs of the organisation.  Whilst larger charities may employee staff to manage processes effectively, these matters can often be overlooked in smaller organisations.

Failure to deliver and document processes and structure effectively can also lead to legal challenges against Trustees and potential Trustees Liability claims under your Charity Insurance policy.

22 December 2014

Charity Insurance Explained - Employment Practice Liability & Donors

Written by Jon Norman, Posted in Charity & Not-for-Profit

As a not-for-profit or Social Enterprise business you try to see the good in everyone.  With this in mind, it’s hard to believe that employees or volunteers would take legal action against you.  Sadly, over the past five to ten years, employment practice liability (EPL) has become one of the largest risks faced by Community Interest Companies or Charities.   As such, it is important that your Charity Insurance policy extends to cover such exposures or you could find yourself with a costly legal bill.

04 December 2014

Charity Insurance Explained - What Are Trustees Duties and Liabilities

Written by Jon Norman, Posted in Charity & Not-for-Profit

Working as a trustee for a charity can be a very rewarding experience and provides opportunities for skill development, networking as well as helping the community. As a member of the board of trustees, you have a duty of responsibility for the affairs of the charity and for delivering the outcomes it was intended to create.

Although the majority of trustees are volunteers, there is a still a certain amount of risk involved in holding one of these positions. Even when acting in good faith, you could be held personally liable for your business decisions, as such, it is important that your Charity Insurance policy provides adequate protection.

16 November 2014

Charity Insurance Tips - How to Manage Volunteers in Your Organisation

Written by Jon Norman, Posted in Charity & Not-for-Profit

As a not-for-profit or social enterprise organisation, it is likely that a substantial element of your workforce is comprised of volunteers. These individuals devote their time and energy to help the community through your organisation and whilst they are offering their services without compensation, you still owe a duty of care to ensure that they are properly trained and supported as if they were a paid employee.

As such, it is essential that your organisation manages its volunteers to minimise the risk of harm to the community members you are attempting to serve and the volunteers themselves, this can be achieved by utilising a strong risk management framework, alongside effect Community or Charity Insurance cover.

25 October 2014

Charity Event Insurance - Firework Displays & How To Reduce the Risks

Written by Jon Norman, Posted in Charity & Not-for-Profit

Fireworks are an indispensable part of celebrations such as Bonfire Night and New Year’s Eve. When your charity or community organisation puts on a special event with fireworks, you need to take precautions to reduce the risks and keep your employees, volunteers and spectators injury-free.  You should also ensure that your have adequate Community or Charity Event Insurance, which will include Public Liability Insurance to protect against your legal liabilities should a member of the public suffer injury or damage to their property.

19 October 2014

Top Tips For Planning and Managing Charity or Community Events

Written by Jon Norman, Posted in Charity & Not-for-Profit

Event organisers must shoulder a significant burden, not only for the success of the event and fundraising, but also the prime responsibility for ensuring overall health and safety at their events. That means they are inevitably culpable for any event-related health and safety failings, which is why structured risk assessment and adequate Community or Charity Event Insurance is absolutely vital.

07 October 2014

CIC & Charity Insurance Explained - Motor Cover for Volunteers

Written by Jon Norman, Posted in Charity & Not-for-Profit

Many charities rely on volunteers to help fill out their workforce and keep costs low. Volunteers are often asked to complete a variety of tasks, including driving.

However, enlisting volunteers can also create additional responsibilities — You must manage all foreseeable risks, secure volunteers’ safety and ensure your charity possesses the proper insurance cover, when you then add vehicle use to this and managing your risks may seem overwhelming.

But you need not fear using volunteer drivers as long as your Social Enterprise has adequate Charity Insurance or CIC Insurance cover.

20 August 2014

Insurance for Community Interest Company (CIC) ? What Do I Need?

Written by Jon Norman, Posted in Charity & Not-for-Profit

By the Government’s own admission, a CIC is a special type of Limited Company and as such, it requires a specialist approach when it comes to insurance.

Following their introduction in 2005, Community Interest Companies (CIC’s) have been a huge success providing Social Enterprises with a quick, easy and cost effective way to set up a business.

According to the CIC Association, as at August 2014 there is almost 10,000 CIC’s on the Regulators Register, all of whom will quality for specialist Community Interest Company Insurance.  If are setting up a CIC it is important to get the right cover, but first of all you need to understand the different options available.

14 August 2014

Do I Need Community or Charity Event Insurance?

Written by Jon Norman, Posted in Charity & Not-for-Profit

If, like me, you have found yourself raising your hand at a meeting and offering to organise your next community or charity event, then, you’ll also recognise that feeling of panic as you start to realise exactly what you have signed up for!!

From deciding on the type of event, from quizzes to fetes, concerts or fun days, to finding a venue or volunteers, the whole process can seem quite overwhelming.  As such, it is easy to overlook the intangibles’ such as Charity Event Insurance.   Let’s look at some of the different potential cover options and claims scenarios in more detail.