The Trustees of your charity are often the decision makers and sometimes, however good the intentions, if a mistake is made they could be held personally responsible.
If a claim were to be made against a trustee, they would be personally liable to pay the legal costs of the claim and any investigations. Charity Trustees Indemnity insurance would cover this cost to protect your trustees and the charity as a whole.
A trustee of a charity has a very important role trying to manage all areas of regulation and law. If a mistake is made due to a breach of trust, breach of duty or negligence, then a trustee can be held personally liable. Trustees Indemnity Insurance will give you a degree of reassurance and will protect the individual trustees rather than the charity itself. For that reason, Trustees Indemnity Insurance is regarded as a form of personal benefit to a trustee of a charity. Please note that Trustees Indemnity Insurance is on a claims made basis, meaning that the insurance only responds to claims first made and notified to the insurer during the period of insurance stated on the policy schedule.
If your charity employs staff, then by law you are required to have Employers’ Liability Insurance that covers all employees for a minimum of £5 million, for injury or disease contracted while carrying out their duties. You must display your Employers’ Liability Insurance certificate clearly, to show that your policy is valid.
If you own or use motor vehicles then these must be insured to include cover against third party injury and property damage, in compliance with the Road Traffic Acts. You must make sure that if employees, trustees or volunteers are using their own vehicles, that they hold sufficient insurance policies. If you own or use a minibus and it is used on a hire or reward basis, there are some special insurance requirements.
It’s always best for charities to treat any volunteers exactly the same as employees when it comes to insurance and make sure that they are covered by your Employers’ Liability or Public Liability insurance.
For events such as fetes, shows and galas, we highly recommend that you have Public Liability Insurance – this may be mandatory for certain venues and they may require you to have a specific minimum level of cover.
To protect your charity against any losses through fraud or dishonesty from employees, you can take out Fidelity Insurance. This cover helps to rectify losses to the charity’s funds or valuables. This cover can also be made to include fraud or dishonesty from any trustees/volunteers. You should always practice good financial and personnel risk management.
David and his team understand the issues affecting trustees and committee members of churches, particularly those affecting church buildings and are sensitive to their needs.
Edwards Insurance Brokers have looked after the insurances for our family for many years. We have always been greatly satisfied with their personal service and the premiums they have managed to obtain for us have always been competitive. Nothing ever seems too much trouble and we are always confident and trust in the advice we receive.
Since signing with you in June, we have completely altered our room booking forms after being shown examples of correct wording and ideas from Chris. Many things were pointed out and explained by Chris that we as a church were totally unaware of. I personally am very grateful for your advice and expertise and would recommend your services without question.
We’ve been involved for over 15 years. In all of that time, I have found you and your colleague's nothing but courteous, helpful and accessible.
Edwards Insurance have been the insurance brokers for Youth for Christ for a number of years now, and we have consistently found them to be approachable, helpful and incredibly efficient in supporting us with all of our insurance needs. They offer comprehensive support to both the national office and many of our local centres and the feedback we receive is exceptional. Many thanks to Richard for helping us brilliantly on so many occasions. I would recommend Edwards without hesitation to you for all your insurance needs.
The Pearson Centre for Young People has been working with Edwards Insurance Brokers for many years. The assistance we have received from them has been nothing but impeccable and highly professional. They always source us the best deals and provide us with top quality service. Nothing is ever a problem. We have recommended them to our own community groups and would do to anyone else - particularly those in the church and charity sector.
I am delighted with the all-round service that we receive from Edwards Insurance Brokers whether it be renewal information, explanations, advice or claims. The service is always prompt, personal, helpful and friendly – “courteous” sounds too formal but that as well! It was a very good move, six years ago, to switch to Edwards Insurance Brokers.
Blind Rage moved to Edwards Insurance Brokers some years ago and have found the difference. The service and advice is good and the ability to be able to talk any concerns over with the same person is great.
Thank you for your recent email regarding risk management in churches. It was most helpful, as is your website
Your support and efficiency in achieving this settlement is greatly appreciated and, on behalf of all the members of the Hale Chapel Executive Committee, would ask you to kindly convey our thanks to the Congregational & General Insurance Company for the speedy settlement of our claim.
I have no hesitation in recommending Edwards Insurance Brokers as being helpful, efficient and applying common sense to insurance needs.
Appointing Edwards Insurance Brokers has to be one of the best decisions that our Trustees have made! The knowledge that Edwards Insurance Brokers have as specialists in the Church Insurance sector is tremendous.
The Northern Synod is grateful for the support given by all of your staff, who are unfailingly helpful, resourceful, courteous and patient. In particular, we would like to nominate Stephen Angell for a “Most helpful person on the planet” award.
A Five Star Service. Many things are constantly changing, new laws, risks, and situations. It is reassuring that when one contacts Edwards Insurance Brokers nothing is too much trouble, the staff are wonderful and a pleasure to speak to,the advice and support, the knowledge and expertise is all first class and helps ensure the Church is appropriately covered.....Peace of mind.
Insurers writing direct to clients was my worst nightmare! The service has been excellent since day one. You can't beat specialists.
Every conversation and dealing I have had with your company has been clear, straightforward, kindly and human-to-human in its respectfulness. I really appreciate the way that you want your customers to understand the product, rather than treating us as an annoyance. This is by no means a given with every company!
Here in Nottingham we are delighted with the savings in premium Edwards Insurance Brokers have achieved for us, and their ongoing personal service and support. We hear many good things about them from our Churches and Chapels whom they have visited, and who now have peace of mind and enhanced cover at no extra cost.
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Fill in the form below and a member of our team will get back to you as soon as possible.
The Trustees of your charity are often the decision makers and sometimes, however good the intentions, if a mistake is made they could be held personally responsible.
If a claim were to be made against a trustee, they would be personally liable to pay the legal costs of the claim and any investigations. Charity Trustees Indemnity insurance would cover this cost to protect your trustees and the charity as a whole.
Get in touch.
Fill in the form below and a member of our team will get back to you as soon as possible.
A trustee of a charity has a very important role trying to manage all areas of regulation and law. If a mistake is made due to a breach of trust, breach of duty or negligence, then a trustee can be held personally liable. Trustees Indemnity Insurance will give you a degree of reassurance and will protect the individual trustees rather than the charity itself. For that reason, Trustees Indemnity Insurance is regarded as a form of personal benefit to a trustee of a charity. Please note that Trustees Indemnity Insurance is on a claims made basis, meaning that the insurance only responds to claims first made and notified to the insurer during the period of insurance stated on the policy schedule.
If your charity employs staff, then by law you are required to have Employers’ Liability Insurance that covers all employees for a minimum of £5 million, for injury or disease contracted while carrying out their duties. You must display your Employers’ Liability Insurance certificate clearly, to show that your policy is valid.
If you own or use motor vehicles then these must be insured to include cover against third party injury and property damage, in compliance with the Road Traffic Acts. You must make sure that if employees, trustees or volunteers are using their own vehicles, that they hold sufficient insurance policies. If you own or use a minibus and it is used on a hire or reward basis, there are some special insurance requirements.
It’s always best for charities to treat any volunteers exactly the same as employees when it comes to insurance and make sure that they are covered by your Employers’ Liability or Public Liability insurance.
For events such as fetes, shows and galas, we highly recommend that you have Public Liability Insurance – this may be mandatory for certain venues and they may require you to have a specific minimum level of cover.
To protect your charity against any losses through fraud or dishonesty from employees, you can take out Fidelity Insurance. This cover helps to rectify losses to the charity’s funds or valuables. This cover can also be made to include fraud or dishonesty from any trustees/volunteers. You should always practice good financial and personnel risk management.