One of the biggest areas of increased economic activity in recent years has been in the charitable sector, as governments looks to push responsibility, decision making and scarce resources down to charities, community interest companies and the not-for-profit sector, in order to deliver a range of services.
Some cynical people would say this also pushes responsibility away from elected politicians, who can then wash their hands if anything goes wrong, but in truth this is simply the practical outcome of giving responsibility to local organisations with eyes, ears and hands on the ground, where the problems are and solutions need to be delivered.
It therefore automatically follows that those organisations need tailored insurance solutions, which are fit for purpose in their sector.
There are challenges here, as sometimes the members of the public they interact with have difficult or problematic lifestyles, may be vulnerable and may also require a high level of care and consideration.
There are also a lot of volunteers brought into such organisations and whilst they are not employees in the normal sense of the word, they still require the same level of care, especially dealing with other individuals who may at times present the risk of injury or damage to themselves, as well as the people trying to help them.
The founders of these organisations also need specialist cover to make sure that in the course of their activities, if they unwittingly break the law or fall foul of it, they are protected personally. No trustee should be disadvantaged financially or otherwise whilst leading the organisation and this is where trustees liability plays an important part.
Today I going to be talking to a founder, whose organisation has grown massively over the last few years and with it his responsibilities, duty of care and therefore his liabilities.
We will look at the solution that is already in place and decide if it needs any alterations to deal with the organisations increased activity levels and its growing volunteer workforce, #becauseaccidentshappen to nice people all the time.
At all times I will make sure we have the correct technical solution at the lowest price, because more than any others sector, cost saving is essential, so those scarce resources can be spent in the most efficient manner and most importantly on the individuals it seeks to help.
If you want to know more about the specific solutions just call 029 20 470 375 or email nigel@severnbay.com
