of how we can help
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:
receiving donated stock needs valuation help
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.
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.
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.
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
benefit from the expertise UK Charity Insurance brings you should call
01424 205063 and ask us to quote for your
insurance. Alternatively, click here to request a
charity insurance quote.