Why do charities need public liability insurance?

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Why do charities need public liability insurance

Like any organisation or business, charities, community groups and voluntary organisations have a duty of care to make sure their activities are carried out responsibly and safely.

If you are in breach of this duty and, as a result, your actions cause injury to a third party or damage to third party property for which you are proven to be negligent, then a claim could be made against your organisation for damages.

You may think that it would be rare for anyone to make claims that could financially damage a charity or voluntary organisation. However, such claims are regularly made against charitable organisations – by those the charity is trying to help as well as by members of the public.

That is why Public Liability insurance is so important for charities and voluntary organisations, regardless of their size.

Below we have shared some real-life claim examples to demonstrate the importance of Public Liability insurance for charities. To find out more about Public Liability insurance and to get a free quote, visit: Charity Public Liability Insurance

Charity Public Liability claims examples

If your charity comes into contact with the general public, then Public Liability insurance should be a consideration to protect against claims made against you for damage to third party property and compensation for injury to third parties, where you may be legally liable.

If you are unsure whether your organisation needs Public Liability insurance, then the below claim examples may help to illustrate the benefits a policy can bring. In all of the below real-life examples, the Public Liability policy for each charity provided cover to pay the resulting claims.

A charity is holding a meeting in their own community building with a lot of people present. During the meeting a member of the public trips over a loose floorboard and badly sprains their ankle. They accuse the charity of poor maintenance of their premises and makes a successful claim against them.

A charity erects a temporary marquee as part of a village fete. A gust of wind lifts the marquee and blows it onto two nearby vehicles which sustain scratches to their roofs. The charity is held responsible for the damage to the vehicles as they had not secured the marquee securely.

A charity hosts a treasure hunt in the gardens of their premises. During the event a child breaks their leg after their foot goes down a pothole in the ground. The charity is found to be responsible as they had not identified the pothole as a hazard when inspecting the course prior to the event.

A community transport group was found to be negligent when one of their volunteer drivers failed to adequately monitor a service user, who opened the car door into the path of an oncoming car – causing damage to the third party vehicle.

A volunteer made a successful claim against a charity for unsafe working practices when they received an electric shock whilst untangling Christmas lights ahead of a Christmas fundraising event.

A community group hires the local community centre for a fundraising event. During the event, one of the stands being used by the group falls over and smashes the window of the community centre. The community group is held responsible for the damage and required to pay for the window to be replaced.

Public Liability insurance is suitable for all types of charity, voluntary organisation and community group. Get a tailored quote for your organisation now:

About BHIB Charities Insurance

BHIB Charities Insurance specialise in providing tailored cover for community groups, clubs, societies, voluntary organisations and hobby or special interest groups. We offer more than just insurance and we are passionate about supporting local communities.

To find out how we can help your charity or not-for-profit organisation, email us on hello@bhibcharities.co.uk or call 0330 013 0036 to speak to our friendly, expert team.

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Luke Glassford

Luke Glassford

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