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Case Studies

Examples of how we can help

Many charities' insurance needs are pretty straightforward to a charity insurance expert. Occasionally, however, a scenario arises that proves just how beneficial this specialist knowledge and understanding can be. Here are a couple of examples:

Foodbank receiving donated stock needs valuation help

Bridgend Foodbank provides emergency food to local people in crisis. They encourage members of the public to donate non-perishable, in-date food items for the food bank to distribute. Volunteers sort food to check that itís in date and pack it into boxes ready to be given to people in need. Care professionals such as doctors, health visitors, social workers, CAB and police identify people in crisis and issue them with a foodbank voucher. Foodbank clients bring their voucher to the food bank where it can be redeemed for three days' emergency food. Volunteers meet clients over a cup of tea or free hot meal and are able to signpost them to agencies able to solve their longer-term problems.

When all your stock is donated, how do you value it for insurance purposes? Are you losing out financially if it is damaged or destroyed by an insurable incident when it hasn't cost you anything to acquire?

Understanding both the way foodbanks work and, of course, the principles of indemnity UK Charity Insurance was able to advise Bridgend Foodbank specifically and arrange suitable cover for their needs. In this instance they would lose out financially as they would be obliged to replace the stock. For another organisation in the same boat there could just as easily be no risk of financial loss, so the key was in finding out how this individual organisation operates, which determined whether the stock element of the cover was even necessary.

Charities sharing technical staff

Computers 4 Africa is a registered charity operating as a social enterprise. Their mission is to help lift Africa out of the poverty trap by equipping the next generation to work in a global environment. They do this by supplying the best value computers in the areas where they operate. At a central processing unit in Kent, Computers 4 Africa receives working, redundant computers through collections and local donations from around the UK. The donated equipment is then data-wiped and refurbished, before being sent to schools, colleges and selected community projects in Africa.

The technicians responsible for refurbishing the computer equipment are also deployed to work on projects for other similar organisations in the group of charities. As each organisation is a separate legal entity it was important to determine who had ultimate legal responsibility for staff safety. The Employers' Liability Cover needed to be spread proportionately across the charities even though they shared trustees. UK Charity Insurance unravelled the issues and provided the right cover needed to protect each organisation - freeing them up to get on with their work.

To benefit from the expertise UK Charity Insurance brings you should call 01424 205063 and ask us to quote for your charity insurance. Alternatively, click here to request a charity insurance quote.

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